Credit and Fraud Risk (CFR) Organization within American Express helps drive profitable business growth by reducing the credit & fraud risk and maintaining our customers’ confidence in the security of the products. It utilizes an array of tools and ever-evolving technology to detect and combat risk, minimize the disruption of good spending, and provide a world class customer experience. The Digital Risk Products &
Data Strategy (RPDS) team within CFR is the backbone of all risk decisions and help in building the digital software products for risk management across customer lifecycle i.e., Onboarding, Credit Underwriting, Authorizations, Collections across card & non card business globally.
As a part of this team, you’ll work with the industry’s best talent to create thoughtful and innovative risk products that advance our market share and the way we do business. If you are interested in building the innovative digital risk products, can translate our business needs into remarkable solutions and if this energizes you, you should consider career in Risk Products team.
ResponsibilitiesJob Responsibilities:
Develop next generation software products and solutions to solve risk management needs using latest tools and technologies.
Collaborate with multiple risk strategy partners, technology teams and other product teams to build & iterate on products.
Drive global, reusable & configurable design, rule authoring, testing, integration, and product launch using low-code tools.
Work in a scrum team environment with Scrum Master, Product Owner and peers to design, develop and implement business logic.
Identify & implement Product & Process simplification opportunities.
Deliver prioritized functional and non-functional roadmap as per aligned timelines & good quality.
Qualifications and Skills Required:
Ability to drive project deliverables to achieve business results
Ability to work effectively in a team environment
Strong communication & interpersonal skills
Ability to learn quickly and work independently with sophisticated, unstructured initiatives
Customer-centered design approach and experience developing software products or services in partnership with different business partners globally
Experience in prototyping, iterative development, Scaled Agile Framework, and principles is a plus
Knowledge of SQL, Java, MS Office – PowerPoint, Excel
Knowledge of SAS, Hive, Yellow Brick, or Python is a plus
Bachelors in a relevant field. Master’s is a plus
1+ years of experience in product development, or a related field
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
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 our 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.
About the TeamWe 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.
Skills Required
- Ability to drive project deliverables to achieve business results
- Ability to work effectively in a team environment
- Strong communication and interpersonal skills
- Ability to learn quickly and work independently on unstructured initiatives
- Customer-centered design approach and experience developing software products or services with global business partners
- Experience in prototyping, iterative development, Scaled Agile Framework and principles
- Knowledge of SQL, Java, Microsoft PowerPoint, Microsoft Excel
- Knowledge of SAS, Hive, Yellowbrick, or Python
- Bachelor's degree in a relevant field
- Master's degree
- 1+ years of experience in product development or a related field
- Employment eligibility to work with American Express in the United States (no visa sponsorship)
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.
