The Enterprise Data Strategy team within Credit and Fraud Risk Management (CFR) is responsible for optimizing risk decisions across the customer lifecycle by identifying, testing, and integrating internal and external data assets. The team also manages relationships with key third-party data providers and supports contribution policies with external data partners, including credit bureaus, to enhance risk products across new accounts, customer management, and collections. In addition, the team serves as a strategic channel for exploring innovative data opportunities for the enterprise.
The Analyst will be part of the Open Finance and Banking Data Strategy team, focused on maximizing the value of existing banking and open finance data while supporting the development of new data capabilities that improve credit underwriting, line management, fraud prevention, and customer verification strategies. The role will support initiatives related to the evolving US Open Banking (Section 1033) landscape and collaborate with cross-functional teams to evaluate the impact and opportunities of open finance data across CFR use cases.
The Analyst will partner with internal stakeholders and external data providers to support data evaluations, analytics, reporting, and strategic initiatives that strengthen risk management and business growth.
- Support the execution of Open Finance and Banking data strategies across the customer lifecycle using structured, risk-based approaches.
- Analyze existing and emerging banking and open finance data sources to identify opportunities that improve risk decisioning and business outcomes.
- Assist in evaluating third-party data products through testing, monitoring, and performance analysis.
- Support relationship management activities with external data providers, including data quality monitoring and issue resolution.
- Develop analytics, reporting, and dashboards to generate insights and track data performance metrics.
- Partner closely with teams across CFR Data Strategy, Fraud, Compliance, Product, Banking & Payments Strategy, and Decision Science to support implementation and governance of banking data strategies.
- Contribute to the development of data-driven insights that improve credit and fraud risk management capabilities.
- Assist in documenting business requirements, use cases, testing outcomes, and strategy recommendations.
- Support time-sensitive investigations, escalations, and risk-related analyses as needed.
- Collaborate with external partners and internal stakeholders to support innovation in banking and open finance data products.
- Support the execution of Open Finance and Banking data strategies across the customer lifecycle using structured, risk-based approaches.
- Strong analytical and problem-solving skills with the ability to work independently and collaboratively in a matrixed organization.
- Ability to manage multiple priorities in a fast-paced and dynamic environment.
- Strong communication skills with the ability to translate data findings into meaningful business insights.
- Technical skills in SQL, Python, or similar analytical tools preferred.
- Familiarity with big data platforms and cloud environments preferred.
- Experience or academic exposure to financial services, banking, credit risk, fraud risk, or data strategy preferred.
- Knowledge of Banking, Open Finance, or Credit Bureau ecosystems is a plus.
- Bachelor’s degree required; concentration in a quantitative field, analytics, economics, engineering, finance, or business preferred.
- Strong analytical and problem-solving skills with the ability to work independently and collaboratively in a matrixed organization.
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
- Strong analytical and problem-solving skills
- Ability to manage multiple priorities
- Strong communication skills
- Technical skills in SQL, Python, or similar tools
- Familiarity with big data platforms and cloud environments
- Experience or academic exposure to financial services or credit risk
- Knowledge of Banking or Open Finance ecosystems
- Bachelor's degree in a quantitative field
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.
