American Express

Analyst-Risk Management

American Express$90K — $120K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Strong analytical and problem-solving skills to work independently and collaboratively in a matrixed organization.
  • Ability to manage multiple priorities in a fast-paced environment.
  • Excellent communication skills to translate data findings into meaningful business insights.
  • Technical proficiency in SQL, Python, or similar analytical tools preferred.
  • Familiarity with big data platforms and cloud environments preferred.
  • Experience or academic exposure to financial services, banking, credit risk, fraud risk, or data strategy preferred.
  • Knowledge of Banking, Open Finance, or Credit Bureau ecosystems is a plus.

Responsibilities

  • Support the execution of Open Finance and Banking data strategies across the customer lifecycle using risk-based approaches.
  • Analyze existing and emerging banking and open finance data sources for opportunities to improve risk decisioning.
  • Assist in evaluating third-party data products through testing and performance analysis.
  • Support relationship management activities with external data providers, including data quality monitoring.
  • Develop analytics, reporting, and dashboards to generate insights and track data metrics.
  • Collaborate with teams across CFR Data Strategy to support implementation of banking data strategies.
  • Contribute to data-driven insights that improve credit and fraud risk management capabilities.

Benefits

  • Collaborative work environment across diverse teams.
  • Opportunities for professional growth in data strategy and analytics.
  • Exposure to innovative data opportunities in Open Banking.
  • Involvement in key initiatives affecting risk management and business growth.
Full Job Description
Job Description

The Enterprise Data Strategy team within Credit and Fraud Risk Management (CFR) is responsible for optimizing risk decisions across the customer lifecycle by identifying, testing, and integrating internal and external data assets. The team also manages relationships with key third-party data providers and supports contribution policies with external data partners, including credit bureaus, to enhance risk products across new accounts, customer management, and collections. In addition, the team serves as a strategic channel for exploring innovative data opportunities for the enterprise.

The Analyst will be part of the Open Finance and Banking Data Strategy team, focused on maximizing the value of existing banking and open finance data while supporting the development of new data capabilities that improve credit underwriting, line management, fraud prevention, and customer verification strategies. The role will support initiatives related to the evolving US Open Banking (Section 1033) landscape and collaborate with cross-functional teams to evaluate the impact and opportunities of open finance data across CFR use cases.

The Analyst will partner with internal stakeholders and external data providers to support data evaluations, analytics, reporting, and strategic initiatives that strengthen risk management and business growth.

Responsibilities

  • Support the execution of Open Finance and Banking data strategies across the customer lifecycle using structured, risk-based approaches.
  • Analyze existing and emerging banking and open finance data sources to identify opportunities that improve risk decisioning and business outcomes.
  • Assist in evaluating third-party data products through testing, monitoring, and performance analysis.
  • Support relationship management activities with external data providers, including data quality monitoring and issue resolution.
  • Develop analytics, reporting, and dashboards to generate insights and track data performance metrics.
  • Partner closely with teams across CFR Data Strategy, Fraud, Compliance, Product, Banking & Payments Strategy, and Decision Science to support implementation and governance of banking data strategies.
  • Contribute to the development of data-driven insights that improve credit and fraud risk management capabilities.
  • Assist in documenting business requirements, use cases, testing outcomes, and strategy recommendations.
  • Support time-sensitive investigations, escalations, and risk-related analyses as needed.
  • Collaborate with external partners and internal stakeholders to support innovation in banking and open finance data products.
  • Support the execution of Open Finance and Banking data strategies across the customer lifecycle using structured, risk-based approaches.


Qualifications

  • Strong analytical and problem-solving skills with the ability to work independently and collaboratively in a matrixed organization.
  • Ability to manage multiple priorities in a fast-paced and dynamic environment.
  • Strong communication skills with the ability to translate data findings into meaningful business insights.
  • Technical skills in SQL, Python, or similar analytical tools preferred.
  • Familiarity with big data platforms and cloud environments preferred.
  • Experience or academic exposure to financial services, banking, credit risk, fraud risk, or data strategy preferred.
  • Knowledge of Banking, Open Finance, or Credit Bureau ecosystems is a plus.
  • Bachelor's degree required; concentration in a quantitative field, analytics, economics, engineering, finance, or business preferred.
  • Strong analytical and problem-solving skills with the ability to work independently and collaboratively in a matrixed organization.
    Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.


The below 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.

About American Express

Amex provides industrial services to the coatings and linings sector, providing support for commercial, industrial, and maritime projects such as petrochemical, power, and water treatment industries. They offer painting services for steel structures, storage tank linings and coatings, pipelines, floors, and marine vessels such as ships, tugboats, and barges.

American Express Careers

Join the vibrant team at American Express, a global leader in financial services, and be part of a company that values innovation, leadership, and diversity. At American Express, we offer more than just job opportunities; we provide a platform for professional growth and a chance to be part of a culture that is committed to excellence and inclusive growth. Work You’ll Do At American Express, we are dedicated to helping our employees reach their full potential. With a variety of career paths available in areas such as technology, marketing, finance, and customer service, American Express is the perfect place to advance your career. Our team is composed of highly skilled professionals who thrive on innovation and collaboration. Join our team and contribute to a company known for its prestigious history of leadership in the credit card industry. Engage in meaningful work that makes a real impact on our global scale business operations. American Express Leadership and Development Programs We believe in nurturing the leadership skills of our employees with extensive training programs and leadership development opportunities. Our commitment to professional growth is evident in our comprehensive benefits package that supports both personal and professional development. Internship Opportunities Start your career with an internship at American Express and gain valuable industry experience. Our internships offer a chance to develop skills, work on challenging projects, and learn from leaders in the industry. Interns at American Express are considered integral members of the team and are given responsibilities that provide a real insight into their future career paths. Diversity and Inclusion At American Express, diversity and inclusion are at the core of our company culture. We are committed to building a diverse workforce and inclusive environment where every employee feels valued and inspired. We offer diversity training programs that empower our employees to thrive and lead in a global marketplace. Networking and Innovation Our employees enjoy unparalleled opportunities for networking and personal growth through our global connections and innovative projects. American Express encourages a culture of innovation that helps propel our company and your career forward. Career Benefits and Growth American Express is dedicated to the growth of its employees. We offer competitive benefits, including health, retirement plans, and family leave, ensuring that our team members have the support they need to succeed both at work and in their personal lives. Join Our Team Explore the job opportunities and open positions at American Express. We are continuously hiring talented individuals who are passionate about their careers and interested in working for a company that offers a dynamic and supportive environment. Stay Connected Keep up to date with the latest from American Express Careers by following our career blog and signing up for job alert emails. Tailor your subscription to receive updates that match your skills and interests. Discover the exciting and rewarding career opportunities that await at American Express. SEARCH AMERICAN EXPRESS JOBS Whether you are looking for a full-time position, an internship, or a leadership opportunity, American Express offers a path to a rewarding career. Join us and make a difference with your passion, creativity, and drive.
Learn more about American Express
Size
64,000 employees
Market Cap
$108.1 billion
Industry
Net Income
$3.1 billion
Founded
1850
5 Year Trend
+3.5%
Revenue
$37 billion
NASDAQ

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