Job DescriptionAmerican Express Credit & Fraud Risk ManagementThe Bank Money Movement Servicing Team within Credit & Fraud Risk is a first-line risk organization responsible for designing and optimizing fraud servicing strategies across digital banking products, including ACH, wire transfers, and real-time payments. The team partners closely with Fraud Operations, Product, Technology, Legal, Compliance, and Servicing organizations to improve fraud detection, strengthen operational capabilities, respond to emerging fraud threats, and deliver scalable servicing solutions.
This role is ideal for someone who enjoys solving analytical problems, identifying fraud trends, working with data, and partnering across teams to improve fraud outcomes while balancing customer experience. This role will support the design, execution, and monitoring of fraud servicing strategies through analytics, operational support, and cross-functional collaboration.
ResponsibilitiesRole Responsibilities - Analyze fraud, operational, and customer data to identify trends, investigate issues, and support fraud servicing strategies.
- Support the development, implementation, and monitoring of fraud strategies across digital banking money movement products.
- Perform SQL/SAS analysis and develop recurring reports and dashboards to monitor fraud performance and key risk indicators.
- Partner with Fraud Operations, Product, Technology, and other cross-functional teams to support strategy enhancements and operational improvements.
- Assist in fraud investigations, root cause analysis, and evaluation of emerging fraud trends.
- Document business requirements, operating procedures, and process changes to support strategy implementation and regulatory compliance.
- Support risk assessments, control monitoring, and audit readiness activities.
- Present analytical findings and recommendations to team members and business partners. stakeholders.
QualificationsMinimum Qualifications - Bachelor's degree in a quantitative, technical, or business-related field, or equivalent work experience in risk management, with exposure to deposit, fraud, or operational risk; advanced degree in data science, engineering, mathematics, statistics, or business is a plus
- 1 year of experience in financial services, risk, analytics, operations, or related field
- Ability to query large datasets using tools such as SQL, Hive, Python, R, SAS, Excel and Tableau
- Strong analytical and problem-solving skills, with the ability to work with data and draw clear insights
- Demonstrated curiosity, learning agility, and interest in risk management, fraud, or financial services
- Strong written and verbal communication skills, with the ability to collaborate effectively across teams
Preferred Qualifications- Prior experience with Actimize
- Experience in a first or second line fraud or credit risk role, policy, strategy, or operations specialty
- Experience in management / optimization of fraud prevention tools
- Direct experience working with cross-functional internal teams and external vendors to implement strategies and drive results
- Experience in Scam detection and servicing
- Experience delivering in an agile environment
- Ability to work autonomously
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 the TeamWe 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
- 6% Company Match on retirement savings plan
- Free financial coaching and financial well-being support
- Comprehensive medical, dental, vision, life insurance, and disability benefits
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
- 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
For a full list of Team Amex benefits, visit our Colleague Benefits Site.
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.
