Analyst / Sr. Analyst - Risk Management

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. As part of Team Amex, you'll experience this 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.

How will you make an impact in this role?

The Fraud, Credit Bust Out (CBO), Banking Product & Payments Risk Organization is a global team of risk officers, data scientists, and product managers that are building innovative solutions and capabilities to manage external fraud and payment risk across AMEX's card and banking portfolios.

We are looking for an Analyst / Sr. Analyst to join the Fraud, Credit Bust Out (CBO), Banking Product & Payments Business Operations team, which will oversee how the Global fraud team meets expectations outlined in the enterprise-wide policies and governance requirements for 1st party fraud and payment risk management across the global card portfolios. The team will be responsible for executing new programs that govern, monitor and improve the CBO and payments' group's extensive strategy controls.

Key Responsibilities

• Create and execute BU's risk assessment framework through analysis and data driven insights
• Create and Manage the RCSA program for CBO and Payment strategy by comprehensive risk and control identification, assessment, and quantification of control gaps.

• Create and execute strategy rule review framework and drive change basis insights

• Create and execute high balance case review framework and drive change basis insights

• Track and identify issues and fraud events

• Provide documentation and support for audits, exams, and governance reviews.

• Analyze large data sets to identify emerging risks and opportunities.

• Partner with business and product teams to design and test new controls and capabilities

Required Qualifications

• Strong project management, communication, and interpersonal skills

• Proficient analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate fraud risk scenarios effectively

• Ability to navigate through ambiguous problems and be creative

• High degree of organization, individual initiative and personal accountability

• Positive "roll-up your sleeves" attitude, a proactive mentality, and a passion to win required

Preferred Qualifications

• Master's degree in Economics, Statistics, Computer Science, Finance, MBA or related fields

• 0–18 months of experience in analytics , risk management or financial services with exposure to operational risk frameworks (RCSA, internal audit, controls testing) in GSIBs.

• Proficiency with SQL, Python, SAS, or similar analytics tools.

Guardian

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
• Bonus incentives
• Support for financial-well-being and retirement
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Generous paid parental leave policies (depending on your location)
• 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

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.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.