American Express

Sr Analyst-Risk Management

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

Qualifications

  • Bachelor's or Master's degree in risk management, data sciences, engineering/tech, math/stats, or MBA preferred.
  • Over 2 years of experience with banking products and a focus on innovation in risk management.
  • Background in fraud or credit risk strategies, policy, or operations.
  • Experience in developing funds availability, check risk, ACH risk, or overdraft strategies.
  • Proficient in managing and optimizing fraud prevention tools using data analysis.

Responsibilities

  • Develop and test risk controls for check deposits, payments, ACH & funds availability.
  • Optimize fraud decisioning to enhance detection while improving customer experience.
  • Communicate across teams and build credibility around fraud strategy impacts.
  • Collaborate with various departments including business, technology, and compliance on risk strategies.
  • Act as a fraud subject matter expert, sharing best practices across the organization.

Benefits

  • Access to a diverse range of career growth and advancement opportunities.
  • Collaborative work environment that emphasizes team communication and synergy.
  • Involvement in innovative projects aimed at improving banking product safety and performance.
Full Job Description
Job Description

The Banking CFR Strategy team serves as the 1st line of defense for banking products and focuses on:
• Designing credit and fraud risk technical capabilities in close collaboration with stakeholders
• Developing analytics to identify new fraud trends and insights
• Designing and implementing strategies in risk platforms

Responsibilities

  • Develop and test end-to-end risk controls for check deposits, outgoing check payments, ACH & check funds availability, and external bank linkages
  • Optimize fraud decisioning strategies to balance fraud detection with customer experience
  • Communicate effectively across teams and gain credibility by understanding end-to-end impacts of fraud strategies
  • Collaborate effectively with colleagues across the firm including: business, technology, product management, operations management, legal, compliance, risk, audit, and technology to drive engagement with the fraud prevention program of work
  • Act as a fraud subject matter expert and share best practices across the firm


Qualifications

Education
  • Bachelor's or Master's degree or equivalent work experience in risk management - especially in deposit & operational risk (Masters in data sciences, engineering/tech, math/stats or MBA degree a plus)

Work Experience
  • 2+ years of experience in banking products (experience in risk modeling & data management is a plus) with a clear interest in innovation
  • Experience in a first or second line fraud or credit risk role, policy, strategy, or operations specialty
  • Experience developing funds availability, check risk, ACH risk, and/or overdraft strategies
  • Experience in management / optimization of fraud prevention tools

Technical & Analytical Skills
  • Ability to query large datasets using tools such as SQL, Hive, Python, R, SAS, Excel and Tableau
  • Prior experience with Actimize is preferred
  • Exceptional problem solving and analytical skills
  • Solid critical thinking and analysis in technical scenarios, attention to detail, and ability to synthesize large amounts of data to formulate creative and innovative solutions to complex problems

Communication, Collaboration, & Adaptability
  • Direct experience working with cross-functional internal teams and external vendors to implement strategies and drive results
  • Experience delivering in an agile environment
  • Excellent written and verbal communication skills with an ability to influence business leaders in a meaningful and actionable manner
  • Collaboration, openness, and relationship building skills
  • Ability to work autonomously
  • Capacity to accommodate shifting and competing priorities in a fast-paced and results driven environment


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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