You Lead the Way. We've Got Your Back.
With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you'll learn and grow as we help you create a career journey that's unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
At American Express, you'll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company's success. Together, we'll win as a team, striving to uphold our company values and powerful backing promise to provide the world's best customer experience every day. And we'll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
Join Team Amex and let's lead the way together.
How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you're finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.
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 drive insights and actions that can have a meaningful impact on our customers and our business.
The successful candidate will join the Payments Risk Management team, a group of highly skilled professionals tasked with building world class capabilities and intelligence around the payments ecosystem, with a focus on inbound payment to American Express.
In this role, you will collaborate with multiple partners including Product management, Risk Strategy, Data Strategy, Technology, vendors and Customer Service teams to ideate and create solutions, capabilities, and strategies for driving great payments customer experience and controls.
Role and Responsibilities
Drive design and implementation of next generation payments risk solutions
Evaluate new data and vendors to determine value; drive onboarding if relevant
Support the execution of Credit, CBO and Fraud payment strategies by partnering closely with CFR functional teams, tech capabilities, servicing, money movement teams, compliance, and new vendors.
Provide a point of view and guidance to technology architects to ensure the platform solution meets business functions and performance requirements.
Guide business process design to be global, holistic, and modular to support multiple business strategies and local nuances.
Monitor emerging trends and engage in discussions that drive next generation of strategies and solutions.
Minimum Qualifications
Minimum 5+ years professional experience in payments and banking
In-depth understanding of the payment processing and payments ecosystem,
Experience working with vendors such as EWS, Yodlee, Plaid, Akoya, and payment industry initiatives such as Open Banking and real-time payments (RTP).
Strong understanding of high-risk payment events such as returned payments (unauthorized, invalid bank account, etc), credit balance refunds and overpayments
Analytical, relationship and project management skills for driving large cross functional initiatives
Experience evaluating, onboarding and managing vendors is a plus
Proven track record of thought leadership and result-orientation.
Degree in Engineering, Mathematics, Statistics, Economics, or related fields, and proficiency with SQL is strongly desired
Salary Range: $90,000.00 to $165,000.00 annually + bonus + benefits
The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.
We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
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 ourColleague 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.
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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