You Lead the Way. We've Got Your Back.

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 redefining what's possible - and we're proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day.

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 senior manager level, the employee typically does not have a people leadership role but is often viewed as a subject matter expert and/or mentor to managers and analysts. Possesses the expertise, knowledge and seasoning to work on projects of high sensitivity or importance. Works relatively independently and is responsible for driving consequential decisions.

Manager/Sr. Manager - Payments Risk and Partnerships

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 drive insights and actions that can have a meaningful impact on our customers and our business.

The successful candidate will join the Payments Partnerships and Product Development team, a group of highly skilled professionals tasked with building world class capabilities and intelligence around the payments ecosystem, with a focus on inbound payment to American Express.

In this role, you will collaborate with multiple partners including Product management, Risk Strategy, Data Strategy, Technology, vendors and Customer Service teams to ideate and create solutions, capabilities, and strategies for driving great payments customer experience and controls.

Role and Responsibilities

• Drive design and implementation of next generation payments risk solutions
• Evaluate new data and vendors to determine value; drive onboarding if relevant
• Support the execution of Credit, CBO and Fraud payment strategies by partnering closely with CFR functional teams, tech capabilities, servicing, money movement teams, compliance, and new vendors.
• Provide a point of view and guidance to technology architects to ensure the platform solution meets business functions and performance requirements.
• Guide business process design to be global, holistic, and modular to support multiple business strategies and local nuances.
• Monitor emerging trends and engage in discussions that drive next generation of strategies and solutions.

Minimum Qualifications

• Strong understanding of high-risk payment events such as returned payments (unauthorized, invalid bank account, etc.), credit balance refunds, overpayments, and new bank account on file.
• Analytical, relationship and project management skills for driving large cross functional initiatives
• Experience evaluating, onboarding and managing vendors is a plus
• Proven track record of thought leadership and result-orientation.
• Minimum 2+ years of experience in risk management in the payments industry.
• Experience with credit or fraud risk management is a plus, as is familiarity with established or upcoming vendors in the payment space
• Degree in Engineering, Mathematics, Statistics, Economics, or related fields is strongly desired

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.

If the role you are applying for is designated as hybrid or onsite, you will be required to demonstrate that you have completed your primary COVID-19 vaccination series (i.e., 2 doses for Moderna/Pfizer and 1 dose for J&J). This requirement is subject to legally required accommodations.

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

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.