Business Unit/Role Specific Info
Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.
This critical team is responsible for managing risks throughout the customer lifecycle, across our consumer and commercial businesses, and across all our global products. We develop industry-first data capabilities, build profitable decision-making frameworks, create machine learning-powered predictive models, and improve customer servicing strategies.
Credit Risk Strategy: The credit risk team monitors credit portfolios and optimizes profit-based risk management decisions at all stages of the customer credit lifecycle.
Fraud Risk Strategy: The team analyzes and improves controls across all points of business that create fraud vulnerabilities, including product and service design, account acquisition, card issuance, servicing, and financial transactions.
Minimum Qualifications
Preferred Qualifications
Passion for improving end-to-end customer experience, innovation and customer first thinking
Strong interest in digital space and ability to collaborate with technology and product partners
Entrepreneurial problem solver who’s organized, has great attention to detail, and can multi-task while still taking into account the big picture
Strong analytical and decision-making skills – must have the ability to compile, analyze, research, and link complex issues
Demonstrated ability to work effectively and collaboratively in high pressure situations and handle multiple priority assignments simultaneously – must be a self-starter
Excellent written and verbal skills, with the ability to effectively communicate at all levels
Willingness to learn and master new systems
Knowledge of MS Office applications required
Knowledge of SQL, SAS, Java, Hive, Yellow Brick, or Python 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.
We 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
- Flexible work arrangements and schedules with hybrid and virtual options with Amex Flex
- Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
- Free and confidential counselling support through our Healthy Minds program
- Career development and training opportunities
For a full list of Team Amex benefits, visit out Colleague Benefits Site .
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
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.
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