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.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

Positions in Risk Management lead the development of credit, operational, enterprise, and fraud policies designed to profitably grow the portfolio, while ensuring excellent customer experience. These policies utilize mathematical models and other techniques to understand and predict customer behavior. At the manager level, the employee does not have a people leadership role but is often viewed as an emerging expert in the field. Focuses on resolution of complex problems. Conducts analyses, recommends changes to policies, and establishes procedures that affect immediate organization.

How will you make an impact in this role?

The Account Takeover and Authentication Team - within the Global Fraud Risk Management Organization – is responsible for balancing Account Take Over (ATO) losses with customer experience at each touchpoint across the customer lifecycle for our global Card customers. These customer touch points include account activities like Profile Maintenance, Card Replacement and Spend, Membership Reward redemption, and other non-card product activities across all channels (Online, Mobile App, and Phone Servicing). 

The successful candidate will be part of a team of highly skilled professionals who design fraud risk strategy, build global capabilities and processes, define servicing policy and procedures, develop tracking and MIS, and ultimately be accountable for account takeover losses. To achieve this, it will be required to work closely with a range of business partners across Enterprise Digital, Product, Technology, Compliance as well as other Fraud Risk Management teams.

Job Responsibilities:

• Develop and support the implementation of fraud risk management strategies including the design of customer authentication and POS controls
• Lead the design and execution of the risk capabilities required to support new process enhancements
• Regularly review portfolio MIS and conduct regular case reviews to identify opportunities and drive effective risk strategies
• Partner with Decision Science, Fraud Servicing and Operations, Risk Capabilities, and other Risk strategy teams to build effective fraud controls to mitigate losses 

Minimum Qualifications

• Successful candidate should possess minimum of 2 years of experience in Risk Management in the card industry or a Master’s degree in Mathematics, Statistics, Economics, Engineering, Finance, Business Analytics or related fields.

Preferred Qualifications

• Ability to use SQL, Python /MLS or other programming languages to draw insights from big data to design fraud solutions
• Highly motivated individual with excellent problem-solving skills
• Strong thought leadership & ability to drive results independently
• Strong interpersonal, written, and verbal communication skills
• Extensive knowledge in Microsoft Suite (Excel and PowerPoint)

Salary Range: $103,750.00 to $174,750.00 annually + bonus + 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.

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