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.

Manager – Credit and Fraud Risk, Operational Excellence 

You will work in a highly dynamic and exciting environment and will have the opportunity to shape strategies and policies for American Express products and services. You will play an influential role working closely with colleagues in other Risk Management teams, Marketing, Finance, Servicing, Legal, Compliance, Banking, and Technology to create world-class strategies and capabilities.

The role within Credit and Fraud Risk (CFR) Operational Excellence (OE) team is part of American Express’ first line of defense and is responsible for leading the development and implementation of strategies enabling sustainable growth and best-in-class customer experience while maintaining an effective and efficient control environment and responding with discipline to operational breakdowns. The team is also responsible for comprehensive implementation of the Operational Risk Management framework adopted by the company and consisting of several core components including governance, forward-looking risk assessment, business and environment internal control factors, reporting and monitoring across CFR globally. The CFR OE team has a global remit with teams in New York, Phoenix, and Gurgaon. This role will be a critical part of the CFR OE team located in New York or Phoenix

Key responsibilities include:

• Develop and continuously enhance policies, processes, and controls for mitigating credit risk exposure and preventing fraud.
• Maintain an effective control environment and respond to operational breakdowns with urgency and discipline.
• Partnering closely with CFR colleagues to identify process improvements and implement prevention strategies to strengthen the control environment and mitigate operational risk.
• Design customer communication and servicing strategies to support risk management strategies, ensuring a positive experience across every customer touchpoint
• Collaborate with partners to promote an effective risk management culture by proactively identifying areas of operational risk across processes and capabilities.
• Partner with other teams across the company to standardize methodologies

Required skills/Qualifications:

• Advanced degree in a quantitative field such as Econometrics, Statistics, Mathematics,
• Operations Research, Engineering, or Computer Science
• Advanced degree is preferred but not required given a suitable combination of formal education and work experience
• Credit/Fraud risk management experience and understanding of credit lifecycle is preferred.
• Ability to handle large datasets using SAS, SQL, R, Python or another similar programming language
• Operational Risk knowledge and/or background is a plus.
• Prior experience in process reengineering background is a plus.
• Ability to think strategically and apply both quantitative methods and business insights to drive results.
• Ability to adapt quickly to shifting priorities, multiple demands, ambiguity and rapid change.
• Clear, effective written and oral communication skills and ability to influence across all levels of the organization.
• Ability to build strong relationships in a cross-functional environment
• Excellent organizational, prioritization and collaboration skills

Salary Range: $80,000.00 to $155,000.00 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 our Colleague Benefits Site.

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.

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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