American Express

Vice President, Audit Leader - Credit and Fraud Risk

American Express • $210K — $250K *
New York, NY 10025In-Person
Finance & Insurance
8 - 10 years of experience
Today
Be an Early Applicant
Job Overview by Ladders

Qualifications

  • 10+ years in internal audit, credit risk, fraud risk, or related control functions in financial services.
  • Proven leadership in managing high-performing teams and complex engagements.
  • In-depth knowledge of credit and fraud risk management frameworks and practices.
  • Strong understanding of risks in consumer and commercial lending, including emerging threats.
  • Familiarity with relevant regulations like FCRA, ECOA, and BSA.
  • Expertise in professional auditing practices and the audit lifecycle.
  • Experience with technology-dependent controls and data analytics.

Responsibilities

  • Lead a diverse team in planning and executing credit and fraud risk audits.
  • Coordinate regulatory examinations and ensure effective communication with regulatory bodies.
  • Develop deep expertise in credit and fraud risk controls for effective audit coverage.
  • Oversee risk assessments and create actionable audit findings with relevant stakeholders.
  • Utilize audit analytics to generate insights and enhance monitoring capabilities.
  • Mentor junior colleagues and manage team development and talent planning.
  • Manage team capacity and recruitment processes to build a strong audit function.

Benefits

  • Comprehensive health and wellness programs.
  • Generous paid time off and holiday schedule.
  • Opportunities for professional development and training.
  • Flexible work arrangements to support work-life balance.
  • Retirement savings plans with company matching.
Full Job Description
Job Description

Responsibilities

Key Responsibilities
  • Lead a geographically diverse team responsible for planning, executing, and reporting credit and fraud risk audits and related initiatives in accordance with professional and departmental standards, approved budgets, and established deadlines.
  • Lead audit-related regulatory examinations and interactions, coordinating responses and ensuring clear, timely, and well-supported communication with regulatory bodies.
  • Build and sustain deep subject-matter expertise across credit and fraud risk controls, including credit concentrations, and translate that expertise into effective audit coverage.
  • Oversee risk and control assessments and the development of high-quality, actionable audit findings, partnering with relevant control groups and external auditors to coordinate audit planning and execution.
  • Generate forward-looking business and risk insights by expanding and overseeing a portfolio of audit analytics, including data-driven monitoring and continuous assurance capabilities.
  • Coach, mentor, and develop junior colleagues and co-sourced resources across the audit and analytics lifecycle, audit methodology, and broader role responsibilities.
  • Manage team capacity, capability-building, and talent planning, including training, recruiting pipelines, candidate screening, and selection.


Qualifications

Qualifications
  • 10+ years of relevant experience in internal audit, credit risk, fraud risk, operational risk, compliance, or a related control function within the financial services industry.
  • Demonstrated leadership experience managing high-performing teams, overseeing multiple complex engagements, and providing clear, actionable developmental feedback.
  • Deep knowledge of credit and/or fraud risk management frameworks, including governance, risk assessment, underwriting, customer management, portfolio monitoring, collections, fraud prevention and detection, investigations, issue management, and reporting.
  • Strong understanding of risks across consumer, commercial, or small business lending and payment lifecycles, including credit concentrations, first-party and victim fraud, account takeover, phishing, identity theft, cyber-enabled fraud, and other emerging threats.
  • Working knowledge of regulations and industry guidance applicable to credit and fraud risk management, including FCRA, ECOA, BSA, PSD2, and comparable international frameworks.
  • Strong command of professional auditing practices, control theory, and the end-to-end audit lifecycle, including risk assessment, control design and operating effectiveness testing, issue development, and reporting.
  • Experience evaluating technology-dependent controls, including system interfaces, reports, application security, business continuity, and third-party risk.
  • Demonstrated ability to use data analytics, visualization, KRIs, KPIs, scorecards, and dashboards to identify risk themes, assess control effectiveness, and communicate actionable insights.
  • Ability to break down complex problems, integrate data analysis with business-process and risk-and-control knowledge, and develop practical, well-supported recommendations.
  • Excellent written and verbal communication skills, with the ability to present complex issues, conclusions, and recommendations clearly and credibly to senior management, regulators, and other stakeholders.
  • Proven ability to work independently and collaboratively across teams in a fast-paced environment, manage competing priorities, and deliver results through sound judgment, project management, and creative problem-solving.
  • Bachelor's degree or equivalent in accounting, finance, risk management, information systems, data analytics, information technology, or a related field.
  • Prior experience at a Big Four firm or global systemically important bank is preferred.

Employment eligibility to work with American Express in the U.S 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
Finance & Insurance
Net Income
$3.1 billion
Founded
1850
5 Year Trend
+3.5%
Revenue
$37 billion
NASDAQ
AXP
* Ladders Estimates

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