Business Unit Overview: Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.
Job Description:
- The incumbent will be responsible for the business architecture of Risk Capabilities within American Express. This is a business & technology facing role, mapping business process to capabilities, providing E2E solution for the prioritized features using program increments, ensuring flexible and global system/capability design and 1–2-year capability roadmap including performance, availability and test automation. The role involves working with product managers, business managers and engineering leaders to convert the business idea/vision into a development roadmap
- The incumbent will also be responsible for multi-year strategy to modernize platforms within American Express, along with day-to-day solution management cadence in SAFE (Scaled Agile) framework across 4 different ART’s (Agile Release Trains) New Accounts, Line Management, Authorizations and Collections processes. The successful individual ensures that the platform transformations meet the evolving needs of risk management through continual innovation, global/flexible design for new use cases to fuel growth, reduce time to market and manage losses. Requires strong organizational, technical and creative problem-solving skills. Requires strong stakeholder management and ability to influence across multiple levels of leadership. Must work well in a dynamic, complex environment and under deadline pressures. Propagates architectural flows and governance to a set of scrum teams and/or SAFE trains to deploy the new business features across markets and products for risk management.
Responsibilities
- Create architectural blueprints for business initiatives to ensure consistency across markets and products, track progress to move from legacy to future state platform
- Defining the architecture roadmap and deployment plan, working to ensure that risk processes and platforms are moving in right direction
- Ability to consolidate and correlate disconnected business needs, processes and articulate their collective relevance through analysis
- Demonstrate a solid understanding of the business process, drivers for change and recommend the right solution
- Maintain the inventory and knowledge base on business processes, business capabilities and technical components along with other architectural artefacts e.g. data architecture, application architecture
- Manage solution cadence by interacting with partners (Risk, AET, Marketing) to identify needs, opportunities, and gaps, and solve problems
- Brainstorming and negotiating effectively with various stakeholders to continuously come up with best design
Minimum:
- Bachelor's Degree and 3+ years in agile product development and delivery
- MBA or Computer Science degree related technical field is preferred
- 1+ years of Solution architecture experience
- Risk Management Experience is a plus
- A good balance of business acumen and technical knowledge with a proven track record of driving digital innovation and architecture with a customer-first mindset.
- An established background in launching software or services in partnership with engineering teams and high degree of proficiency in prototyping, iterative development, Scaled Agile Framework and principles.
- Enthusiasm and passion for building great products and services and an ability to articulate product functionality.
- Understanding of the evolving compliance and regulatory requirements and environment and how to incorporate technology, infrastructure and security requirements into the product design.
- Excellent communication skills with the ability to engage, influence, and inspire partners to drive collaboration and alignment.
- High degree of organization, individual initiative and personal accountability.
- An ability to solve complex problems and a highly analytical approach; and
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
About Us
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
- Bachelor's degree
- 3+ years in agile product development and delivery
- 1+ years of solution architecture experience
- MBA or Computer Science degree
- Risk management experience
- Proven track record launching software or services with engineering teams
- Proficiency in prototyping, iterative development, and Scaled Agile Framework principles
- Understanding of compliance, regulatory, infrastructure, and security requirements in product design
- Strong communication, stakeholder management, and influencing skills
- High degree of organization, initiative, and personal accountability
- Ability to solve complex problems with a highly analytical approach
- Employment eligibility to work 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.
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