American Express Credit & Fraud Risk is a place to create, innovate, and collaborate, to push the boundaries on providing a world-class customer experience. Credit & Fraud Risk colleagues are the industry’s most innovative thinkers and creative problem solvers with access to cutting edge tools and one of the world’s most valuable datasets. You’ll have the power to identify insights and actions that can have a meaningful impact on our customers and our business.
The successful candidate will join the CFR Banking onboarding team, which is a team of highly skilled professionals that defines policy and procedures, designs strategy, partners in building banking capabilities, and develops monitoring controls.
This position would participate in foundational controls and processes compliant with Banking regulations, for commercial and consumer banking programs. In this role, you will collaborate with multiple partners including product teams, legal, compliance, servicing operations, Digital Banking platform, technology, vendors, and capabilities teams. Successful candidates implement compliant strategies that drive great customer experience and offer robust fraud and credit controls.
1. Risk Management Strategy: Design and execute risk management strategies for American Express Deposit Products, monitor growth and trends in the portfolio and evaluate new data sources to enhance Credit & Fraud risk strategies.
2. Execution of risk-related policies, procedures, and strategic initiatives: Critically evaluate our risk-related policies and procedures and drive execution of the next generation of improvements and strategic initiatives; by aligning with compliance, servicing and working with delivery platforms and articulating clear requirements and timely deployment on those.
3. Driving profitable growth: Collaborate effectively with colleagues across the firm including: business, technology, product management, operations management, legal, compliance, risk, audit, and technology to drive engagement with the fraud prevention program and timely execution of risk
4. Operate in governed environment: Design, deploy and monitor Risk KPIs for efficient governance of risk controls via enterprise tools (e.g. CDITs, KRIs, PRSAs)
Qualifications:
Strong analytical and problem-solving skills with a structured, hypothesis-driven approach
Ability to break down ambiguous problems and drive clarity using data and logic
Fluency with data tools like Python, Tableau, or SQL, with demonstrated use in decision-making
Understanding of consumer and commercial banking credit and fraud risk domains preferred
Self-starter with strong ownership mindset; able to operate independently and prioritize in a fast-paced environment
Agile thinker, adaptable to changing conditions and evolving business needs
Strategic thinker with the ability to translate insights into actionable outcomes
Strong collaboration and communication skills to influence cross-functional partners
Background in analytics, risk, or banking domains preferred
Degree in Engineering, Mathematics, Statistics, Economics, or related fields strongly desired
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
Skills Required
- Strong analytical and problem-solving skills with a structured approach
- Fluency with data tools like Python, Tableau, or SQL
- Understanding of consumer and commercial banking credit and fraud risk domains
- Degree in Engineering, Mathematics, Statistics, Economics or related fields
American Express Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about American Express and has not been reviewed or approved by American Express.
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Healthcare Strength — Pay is often viewed as attractive when combined with comprehensive health, dental, and vision coverage that supports day-to-day needs. The benefits package is also framed as especially helpful for those supporting dependents.
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Retirement Support — Retirement benefits are positioned as a meaningful part of total rewards through a 401(k) plan with company matching. Financial wellness services and coaching are also highlighted as strengthening longer-term financial security.
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Leave & Time Off Breadth — Paid time off is repeatedly characterized as generous and a valued component of the overall package. Time off and flexibility are presented as helping the total rewards feel more complete beyond base salary.
American Express Insights
What We Do
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly striving to uphold our powerful backing promise to our customers and each other every day. These beliefs have been our North Star for 170 years as our business transformed – from helping evacuate travelers during World Wars, to ensuring the safety of our customers’ funds during the Great Depression in the U.S., to creating the Shop Small® movement to help small businesses recover from the Financial Crisis, to providing aid to communities impacted by many natural disasters and so much more. For generations, the key to our success has been the determination and resilience of our American Express colleagues. Now, as a globally integrated payments company, we work together to provide customers with access to products, insights and world-class experiences that enrich lives and build business success. Join us and let’s lead the way together.
