Senior Manager-Risk Management

You Lead the Way. We've Got Your Back.

At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we're supporting our customers' financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what's possible - and we're proud to back each other every step of the way.

When you join Team Amex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. Here, you'll learn and grow as we champion your meaningful career journey with programs, benefits, and flexibility to back you personally and professionally. Every colleague shares in the company's success.

Together, we'll win as a team, striving to uphold our company values and powerful backing promise to our customers, communities, and each other every day. And, we'll do it with integrity and in an environment where everyone is seen, heard and feels like they truly belong.

Join #TeamAmex and let's lead the way together.

Working in Credit & Fraud Risk Management at American Express

What you choose to do for a living and where you work are some of the most important decisions you make in life. At American Express, we provide the tools, guidance, and experiences to create a meaningful and impactful career journey. We help you become a great leader by providing a world of opportunities to grow your career, and an inclusive culture to help you thrive. Our people, customers, and colleagues are at the heart of everything we do.

American Express Credit & Fraud Risk Management is a place to create, innovate, and collaborate to enable world-class customer experiences and prevent fraud losses for the company. It's immensely gratifying to be part of an industry leading team that outsmarts the bad guys! CFR colleagues are innovative thinkers and creative problem solvers, and work with best in class systems, capabilities, and people across the American Express enterprise. As part of the team, you will have a direct and meaningful impact on our customer's lives and on our business.

About The Role

As part of the Cross-product bankingorganization, you will join a team of skilled risk managers who are responsible for the thought leadership, creation, delivery, and management of Credit risk, fraud risk and controls that support new product launches and product enhancements. In this role, you will focus primarily on managing initiatives that cuts across banking products but not limited to Business / Consumer Checking, Savings & Kabbage portfolio. This role focuses on resolution of complex problems. Conducts analyses, recommends changes to policies, and establishes procedures that affect immediate organization

Key Responsibilities

• Conduct strategic analyses to inform business decisions and provide actionable recommendations. Write and present fact-based presentations to key stakeholders
• Collect & analyze information from multiple sources to gain knowledge about the competitive environment to improve organizational performance
• Conduct adhoc data analysis as needed and share insights with leadership, partners, and stakeholders in a simple, clear, and compelling way
• Act as the conduit of information between workstreams, product groups and CFR leadership
• Maintain a pulse on workstream progress, needs, and roadblocks
• Understand key digital banking product constructs, the associated data (digital & traditional), the relevant risk vectors, and the strengths & limitations of existing capabilities and controls
• Partner closely with business product teams, Fraud strategy teams, servicing teams, capability owners, and technologies
• Develop, enhance, and monitor capabilities and controls that support industry leading fraud rates as well as best in class customer experience for new product launches and product enhancements
• Facilitate meetings, coordinate change management activities, prepare documentation, and ensure project deliverables are met

Qualifications

Required:

• Experience with leveraging analytics to drive business results is preferred
• Strong communicator who is clear, concise, and comfortable leading conversations at all levels of the organization, including with senior leaders
• Innovator - Ability to tailor the program in its early stages as well as to evolve it, to meet changing needs over time
• Pro-active collaborator with ability to build trust through transparency of information and delivering on commitments
• Self-motivated and ability to work autonomously on multiple projects simultaneously
• Previous experience leading and performing analysis using SQL, Python or similar
• Demonstrated ability to frame business problems into analytical problem, leverage external thinking and tools to deliver business insights
• Enterprise thinker who takes a pragmatic approach to problem solving
• Passionate about creating and delivering world-class customer experiences
• Strong understanding of the banking and digital payments ecosystem
• Ability to influence and drive alignments across multiple business stakeholders, without direct authority
• Ability to adapt to changing priorities within a fast-paced area of the business
• Demonstrated thought leadership abilities and will to win
• Ability to learn quickly and work independently with complex, unstructured initiatives
• Strong problem solving, analytical, and communication skills
• Undergraduate Degree in a relevant field (such as: Economics, Statistics, Computer Science, Mathematics, Finance, Operations Research, Engineering)
• Expertise in MS Excel and PowerPoint with ability to pull a story line together in a presentation

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

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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