Mgr-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?

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 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.

How will you make an impact in this role?

The incumbent will lead the customer management for the US portfolio for both consumer and sbs portfolios within the CBO strategy team.

Credit Bust Out (CBO) begins when a person establishes credit: under their own name or by creating a synthetic identity (or business). The individual either busts out immediately as a first payment defaulter or may work to build a strong credit profile, making on-time payments, increasing credit limits, and applying for more cards. After credit is built, the "bust-out" takes place. The individual maxes out the credit accounts and ceases making payments. These schemes are often orchestrated by highly sophisticated individuals or criminal rings/networks working in tandem.

You will work in a highly dynamic and exciting environment and will have the opportunity to enhance the strategies for the customer management functions of US portfolio. You will be responsible to enhance and create new strategies & uplift and automate processes/procedures and controls.

You will lead a high-performing and motivated team, where defining what winning looks like will be critical to staying ahead of the fraudsters. In addition, collaborating with partners in other Risk teams, Global Servicing, Legal/Compliance, and Technologies will essential to create world-class strategies and capabilities.

Responsibilities:

• Create and Enhance Customer Management strategies for different functions (RLA/ POS D/ Case Set Ups)

• Work with credit partners, GSG teams, international teams and tech teams to seamlessly implement customer management strategies

• Design, develop, deploy and monitor strategies and rules-based business solutions to minimize CBO losses while ensuring superior customer experience

• Identify emerging trends and potential threats quickly

Minimum Qualifications

 
• At least 3 years' experience in the risk management field

 
• Proven track record of driving results with strong thought leadership and complex problem solving skills

• Flexibility and adaptability to work within tight deadlines and changing priorities

• Ability to influence others, be creative and manage multiple concurrent projects in a dynamic environment

• Strong communication, interpersonal skills and ability to work effectively in a team environment

 Preferred Qualifications

 
• Masters or PhD degree in Business, Statistics, Economics, Engineering or related fields is strongly desired

 
• Ability to handle large datasets using SQL, Python or other programming language

• 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.

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.