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.

The Credit Bust Out Team is responsible for mitigating risk and preventing loss in a production environment and enabling spend for our customers, by handling potential credit abuse and credit bust out for Business and Consumer accounts.

Collaborating on this team provides opportunities in enhancing analytical skills and identifying potential trends in card utilization behavior. Colleagues in this position become the designated account manager for our customers as they handle cases and complete analysis on accounts to determine if there is a possible intention by card members to defraud American Express or cause American Express to suffer significant financial loss.

Specialists assist in managing the aging of the CBO portfolio and support both inbound & outbound volume. Successful specialists must have the ability to quickly analyze account information and identify what is hiding in the data. Being able to make a decision in ambiguous situations and then communicate to the customer in a confident and knowledgeable way is critical to success in this role.

Minimum Qualifications:

• Strong customer service skills
• Ability to analyze complex account information and make effective decisions in ambiguous situations
• Strong oral communication skills with demonstrated ability to de-escalate difficult calls
• Demonstrated ability to work independently or within a team environment
• Strong flexibility and able to adapt to change
• Excellent organizational and ability to follow up/through
• Self-motivated and ability to manage time effectively
• Ability to identify and communicate solutions to process gaps
• Positive attitude
• Previous experience and success in financial or fraud segments

Hours of operation for the Credit Bust Out team are 8am - 12am EST Monday - Friday, Saturdays 8am-6:30pm EST, and Sundays 10am-8:30pm EST. Applicants must be available for any shift within those hours. Shifts will be assigned upon certification of training.

Salary Range: $20.00 to $28.85 hourly bonus benefits

The above represents the expected hourly pay 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 our 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.

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.

US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for this position.