Job Description

American Express' Risk Management capabilities are central to delivering a strong customer experience while managing credit and fraud risk. The Risk Products & Data Strategy (RPDS) organization is modernizing risk platforms and enabling new business capabilities across a more digital and connected payments ecosystem.

The Manager, Digital Product Development will combine Product Manager and Product Owner responsibilities to help develop and deliver authentication and fraud-risk capabilities supporting AI-assisted and AI-initiated commerce, including customer and agent trust signals. The role will translate business, customer, fraud, identity and technology needs into product requirements, roadmaps, features and controls; partner with Risk, Technology, Architecture, Data Science, Information Security and servicing teams; and support pilots and scaled launches while balancing security, customer friction, platform performance and speed to market.

• Drive the product roadmap and delivery for authentication and fraud-risk assessment capabilities.
• Combine Product Manager and Product Owner responsibilities: shape process vision and business architecture; capture and groom requirements; prioritize the backlog; define acceptance criteria, SLAs and controls; track execution and report status.
• Translate fraud-risk, authentication and customer-experience needs into epics, features, user stories, functional/non-functional requirements and measurable outcomes for Agile delivery teams.
• Define product requirements across the agent trust journey, including customer authentication, agent identification, customer consent and delegated authority, agent-to-customer binding, permission/scope controls, credential or token lifecycle, transaction-time assessment, step-up/challenge paths, revocation, exceptions and servicing.
• Partner with Fraud Risk Management, Decision Science and Data Science to identify and productize signals that help assess customer presence, agent/provider identity, delegated intent, device/session context, transaction and merchant context, behavioral patterns and anomalies.
• Work with Technology and Enterprise/Technical/Data Architecture on solution design, APIs, events, data contracts, decisioning integrations, audit trails, telemetry, resiliency, latency and operational controls.
• Support product controls that distinguish legitimate customer-authorized agent activity from account takeover, unauthorized delegation, agent/provider spoofing, manipulated intent, compromised agents, credential/token theft, replay and other emerging abuse patterns.
• Coordinate with internal Product, Risk, Legal/Compliance, Information Security, Servicing and Technology partners, and where applicable external ecosystem participants, so authentication and fraud requirements are incorporated into launch roadmaps and integration designs.
• Define and monitor success measures such as authentication success, approved fraud, false positives, customer friction, authorization outcomes, control performance, latency, exception rates and operational health; use insights to prioritize remediation and enhancements.
• Lead or support discovery, testing, pilot readiness and post-launch reviews; convert fraud cases, defects and control gaps into prioritized product changes.
• Maintain an external orientation to evolving agentic-commerce, digital identity and authentication standards and translate relevant changes into durable product requirements without overfitting to a single vendor or protocol.

Minimum Qualifications

• Demonstrated 5 years of product management, product ownership or product development experience delivering complex technology capabilities; experience with fraud management or real-time risk products is preferred.
• Ability to build strong relationships across large cross-functional teams and influence business and technology partners to drive transformational change.
• Strong analytical and structured problem-solving skills, with the ability to operate in ambiguity and translate emerging needs into clear product requirements and decisions.
• Experience with Agile/Scaled Agile practices, backlog management, feature/story development and prioritization across competing initiatives; JIRA/Confluence experience is useful.
• Strong written and verbal communication skills and the ability to engage internal and external stakeholders at multiple levels.
• High degree of organization, initiative and accountability, with the ability to manage multiple workstreams and dependencies.
• Bachelor's degree in computer science, technology, engineering, business management or a related field, or equivalent relevant professional experience.
• Preferred Qualifications
• Deep and broad expertise in consumer or commercial risk management, digital payments, authentication, identity, fraud-risk technology or related processes and systems.
• Experience with fraud authorization, authentication, decision science models, risk decisioning platforms, Amex risk capabilities/data, or another core fraud-risk management function.
• Product exposure to Agentic AI, AI agents, agentic payments/commerce, digital identity, tokenization, developer platforms or machine-to-machine commerce.
• Master's degree or comparable experience in management, computer science, engineering, analytics or a related discipline is a plus.

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.