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

The successful candidate will join the CFR Banking onboarding team, which is a team of highly skilled professionals that defines policy and procedures, designs strategy, partners in building banking capabilities, and develops monitoring controls.

This position would participate in foundational controls and processes compliant with Banking regulations, for commercial and consumer banking programs. In this role, you will collaborate with multiple partners including product teams, legal, compliance, servicing operations, Digital Banking platform, technology, vendors, and capabilities teams. Successful candidates implement compliant strategies that drive great customer experience and offer robust fraud and credit controls.

1. Risk Management Strategy: Design and execute risk management strategies for American Express Deposit Products, monitor growth and trends in the portfolio and evaluate new data sources to enhance Credit & Fraud risk strategies.

2. Execution of risk-related policies, procedures, and strategic initiatives: Critically evaluate our risk-related policies and procedures and drive execution of the next generation of improvements and strategic initiatives; by aligning with compliance, servicing and working with delivery platforms and articulating clear requirements and timely deployment on those.

3. Driving profitable growth: Collaborate effectively with colleagues across the firm including: business, technology, product management, operations management, legal, compliance, risk, audit, and technology to drive engagement with the fraud prevention program and timely execution of risk

4. Operate in governed environment: Design, deploy and monitor Risk KPIs for efficient governance of risk controls via enterprise tools (e.g. CDITs, KRIs, PRSAs)

Qualifications:

• Strong analytical and problem-solving skills with a structured, hypothesis-driven approach

• Ability to break down ambiguous problems and drive clarity using data and logic

• Fluency with data tools like Python, Tableau, or SQL, with demonstrated use in decision-making

• Understanding of consumer and commercial banking credit and fraud risk domains preferred

• Self-starter with strong ownership mindset; able to operate independently and prioritize in a fast-paced environment

• Agile thinker, adaptable to changing conditions and evolving business needs

• Strategic thinker with the ability to translate insights into actionable outcomes

• Strong collaboration and communication skills to influence cross-functional partners

• Background in analytics, risk, or banking domains preferred

• Degree in Engineering, Mathematics, Statistics, Economics, or related fields strongly desired

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