How will you make an impact in this role?
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.
Job Responsibilities
- Implement business logic and rules to address risk management needs.
- Collaborate with Risk Strategy, Technology, and Product teams to build and enhance products.
- Drive global, reusable, and configurable design, rule authoring, testing, integration, and product launches using low-code tools.
- Work within a Scrum team to design, develop, test, and implement business logic.
- Develop strong understanding of the API landscape, architecture, execution models, rule logic, data flows, integrations, and system dependencies.
- Troubleshoot execution and production issues using logs, complex JSON payloads, API request/response data, and execution outputs to identify root causes and drive resolution.
- Understand API capabilities and boundaries, including data storage, performance, resiliency, error handling, monitoring, dependencies, and SLAs.
- Partner with Technology teams to resolve defects, improve production stability, and enhance API and rule execution.
- Identify and implement product and process simplification opportunities.
- Deliver prioritized functional and non-functional roadmap commitments on time and with high quality.
- Identify and implement AI-driven solutions to reduce manual effort, accelerate troubleshooting, and improve time to market.
Qualifications
- Ability to drive project deliverables and achieve business results in a collaborative environment.
- Strong communication, interpersonal, analytical, and problem-solving skills.
- Ability to learn quickly and independently navigate complex and unstructured initiatives.
- Customer-centered product development experience working with global business and technology partners.
- Working knowledge of APIs, JSON, API testing, execution models, logs, system integrations, and troubleshooting techniques.
- Ability to understand business/rule logic, technical architecture, data flows, and system dependencies.
- Knowledge of SQL, Java, MS PowerPoint, and Excel.
- Knowledge of Python, SAS, Hive, Yellowbrick, Postman, or similar tools is a plus.
- Experience with prototyping, iterative development, and Scaled Agile Framework (SAFe) is a plus.
- Bachelor’s degree in a relevant field; Master’s degree is a plus.
- 1–2 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.
About UsAt 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 and achieve business results in a collaborative environment
- Strong communication, interpersonal, analytical, and problem-solving skills
- Ability to learn quickly and independently navigate complex and unstructured initiatives
- Customer-centered product development experience working with global business and technology partners
- Working knowledge of APIs, JSON, API testing, execution models, logs, system integrations, and troubleshooting techniques
- Ability to understand business and rule logic, technical architecture, data flows, and system dependencies
- Knowledge of SQL, Java, Microsoft PowerPoint, and Microsoft Excel
- Knowledge of Python, SAS, Hive, Yellowbrick, Postman, or similar tools
- Experience with prototyping, iterative development, and Scaled Agile Framework
- Bachelor's degree in a relevant field
- Master's degree
- 1-2 years of experience in product development or a related field
- Employment eligibility to work in the United States without 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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Fair & Transparent Compensation — Pay is considered generally solid for many, with frequent mentions of good compensation alongside strong benefits. Overall sentiment points to many employees feeling adequately paid even if it is not viewed as top-of-market.
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.
