At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

How will you make an impact in this role?

The Bank Money Movement Risk team within CFR is responsible for developing and managing Credit & Fraud Risk Strategies for our Deposit Products at American Express.

We are seeking a Director of Money Movement Transactions to lead a group of risk management professionals. The incumbent will be responsible for developing transaction strategies for ACH, Wire, Zelle P2P, and Bill Pay transactions.

To deliver these outcomes, this colleague will partner closely with Product Management, Compliance, Operational Risk, Bank Servicing Network, and other stakeholder teams.

Key Responsibilities:

• Lead advanced analytics in the development of new risk strategies
• Apply innovative concepts to measure and manage risk consistent with regulatory and governance requirements. Including, but not limited to, Daily / Weekly / Monthly KPI reporting & monitoring.
• Review/Establish service level agreements with Operational teams that support CFR Bank Risk.
• Lead, engage, and inspire a team of high performing risk management and data science professionals to leverage advanced analytics to drive strategy change.
• Identify and escalate to senior leadership observations, high residual-risk areas and emerging risk themes.
• Partner with Technology, Risk, Product Management, Compliance and other key Subject Matter Experts on initiatives to ensure standards/deliverables are achieved.
• Exemplify strength in the American Express Leadership Model: set the agenda, bring others with you and do it the right way, and put enterprise thinking first.

Minimum Qualifications

• 8+ years of experience working in risk and control environment / risk management
• 6+ years of experience working with data and leading analytical projects. Exceptional analytical skills.
• Strong people leader and team player with a demonstrated ability to manage a high performing team and create a highly effective and results-driven culture for high-stakes outcomes
• Qualitative/quantitative solutioning/problem solving in complex and unstructured environment.
• Direct experience managing Risk on Deposit Products.
• Highly detail oriented.
• Should have a strong technical acumen. Experience in technical skills such as Big Data, SQL, Hive, Python and automation is a plus.
• Expert project management skills with proven record of successfully leading and implementing complex, large-scale and cross-functional initiatives. Demonstrated ability to successfully manage multiple priorities
• Demonstrated success in building strong partnerships through collaboration and leading large initiatives in a matrix environment
• Strong written and verbal communication skills; ability to interact with all levels of management
• Ability to bring structure to ambiguous areas of opportunity and thrive in an unstructured, fast paced environment.

Preferred Qualifications

• Direct experience developing new Fraud Risk Strategies
• Expert knowledge for ACH Risk
• Direct experience with NICE Actimize or similar solutions
• Willingness and ability to successfully complete a case study as part of the interview process where you will propose a solution to a business problem
• Willingness and ability to complete a technical skills/knowledge assessment
• Bachelors or Masters degree in Business, Statistics, Mathematics, Computer Science, or equivalent disciplines.

Salary Range: $123,000.00 to $215,250.00 annually + bonus + equity (if applicable) + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries
• Bonus incentives
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
• Free and confidential counseling support through our Healthy Minds program
• Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

• US Job Seekers
• Click to view the “Know Your Rights” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.