American Express

Manager-Risk Management

American Express$90K — $130K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 3+ years in risk management or control environments.
  • 2+ years working with data, possessing strong analytical skills.
  • Technical skills in SQL, Python, Hive, and Big Data platforms preferred.
  • Bachelor's or Master's in Business, Statistics, Mathematics, or related fields.
  • Ability to navigate ambiguous situations using qualitative and quantitative methods.
  • Strong relationship-building and communication skills.
  • Highly organized, detail-oriented, and adaptive in fast-paced settings.

Responsibilities

  • Drive risk strategies for limit assignment on deposit products.
  • Support a cross-BU limit management framework balancing behavior, regulations, and growth.
  • Utilize data analytics for customer segment line assignment recommendations.
  • Design analytical methods to minimize fraud losses and enhance profitability.
  • Develop and monitor key risk indicators for deposit limits.
  • Conduct reviews and analyses related to fraud and limit assignments.
  • Participate in risk assessments and identify control gaps for deposit products.
  • Collaborate with Product, Credit, Tech, and Compliance teams to implement limit strategies.

Benefits

  • Opportunity to work with a skilled team of risk managers.
  • Engagement with cross-functional teams across the organization.
  • Focus on driving innovative risk management strategies.
  • Chance to impact deposit portfolio growth and fraud mitigation.
  • Work in a dynamic and evolving environment with learning opportunities.
Full Job Description
Job Description

As part of the Deposit Onboarding First Party Fraud and Initial Limits team, you will join a team of skilled risk managers who are responsible for the First Party Fraud control strategies for all deposit products. In this role, the incumbent will own the initial limits strategy for AENB's deposit products, which is both a key determinant for banking product growth and a critical control for mitigating first party fraud losses. The incumbent will drive a robust limit management framework, determine initial limits, and oversee strategy performance; all while balancing enterprise risk appetite, regulatory guidelines, and sustained deposit portfolio growth.

The successful candidate will need to work with various business partners in Product, Decision sciences, Capabilities, CBO Risk and Banking to execute multiple key initiatives. To succeed in the role, the incumbent needs to have a very good blend of analytical skills, team, and partner management skills.

The successful candidate will need to partner closely with Product, Compliance, Operational Excellence, Enterprise Banking Services, and other stakeholder teams to execute multiple key initiatives in this domain.

Responsibilities

  • Drive the end-to-end risk strategies for limit assignment on deposit products.
  • Support development of a robust cross-BU limit management framework, which will balance deposit customer behavior, regulatory expectations, portfolio growth, and the banking organization's risk appetite.
  • Utilize data and analytics to make line assignment recommendations for different banking customer segments.
  • Design line assignments with analytical methods that minimize first party fraud losses while also balancing deposit portfolio profitability.
  • Own KRI development, threshold definitions, and monitoring for deposit limits.
  • Perform case reviews and root-case analysis in the case of OREs, CAPs, and fraud events related to deposit product limit assignment.
  • Participate in risk assessments, control gap identification, and remediation plans for deposit products.
  • Partner cross-functionally (Product, Credit, Tech, Compliance) to execute and scale limit strategies.


Qualifications

  • 3+ years of experience in risk management or risk and control environments.
  • 2+ years of experience working with data and demonstrated analytical and problem-solving skills.
  • Strong technical acumen; experience with tools such as SQL, Python, Hive, Big Data platforms, and automation is a plus.
  • Bachelor's or Master's degree in Business, Statistics, Mathematics, Computer Science, or a related discipline.
  • Ability to solve problems in ambiguous, unstructured environments using both qualitative and quantitative approaches.
  • Ability to build strong relationships, communicate effectively and lead through influence.
  • Highly organized and detail-oriented, with the ability to track information and bring structure and clarity to evolving problem spaces.
  • Demonstrated ability to quickly adapt to changing circumstances in a fast-paced environment with a will to win.

Preferred Qualifications
  • Fraud risk or checking product risk management experience.
  • Line or limit assignment experience.


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

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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