At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

American Express Credit & Fraud Risk Management 

Manager/Senior Manager, Risk Management 

American Express Credit & Fraud Risk is a place to create, innovate, and collaborate, to push the boundaries on providing a world-class customer experience. Credit & Fraud Risk colleagues are the industry’s most innovative thinkers and creative problem solvers with access to cutting edge tools and one of the world’s most valuable datasets. You’ll have the power to identify insights and actions that can have a meaningful impact on our customers and our business. 

The successful candidate will join the Bank Money Movement Servicing Team within CFR, which is a team of highly skilled professionals that design post onboarding servicing strategies, partner in building banking servicing capabilities, develop monitoring controls and lead fraud ring response. 

This position would participate in foundational controls and processes compliant with Banking regulations, for commercial and consumer banking programs. In this role, you will collaborate with the multiple partners including product teams, legal, compliance, servicing operations, Digital Banking platform, technology, vendors, and capabilities teams. Successful candidates implement compliant strategies that drive great customer experience and offer robust fraud and credit controls. 

Role Responsibilities: 

Manage and enhance Operating Procedures utilized by back-office team for alert reviews to improve outcomes including financial, compliance and customer experience 

Conduct Risk Assessment of existing processes and procedures to identify and close gaps under existing control environment 

Drive servicing strategy changes by leveraging advanced analytics and expertise in fraud servicing 

Act as a risk subject matter expert in leading fraud ring responses and share best practice across the enterprise 

Ability to innovate and provide functional strategies recommendations for enabling effective fraud servicing framework for new product /features 

Support Risk Strategy Team on improving fraud detection, decisioning and customer experience by driving functional requirements 

Be a trusted advisor for key business stakeholders for matters related to Fraud Servicing Strategy 

Communicate effectively across teams and gain credibility by understanding end to end impacts of the fraud strategies that are implemented 

Collaborate with internal and external stakeholders including business, technology, product management, operations management, legal, compliance, risk, audit, and technology to ideate and create solutions, capabilities and strategies for fraud mitigation. 

Daily / Weekly/Monthly KPI reporting, monitoring and case review, and Accurate Documentations for audit readiness and regulatory compliance 

Minimum Qualifications 

Bachelors or Master’s degree in Business, Statistics, Mathematics, Computer Science, or equivalent disciplines 

3+ years of experience working in banking industry and direct interacting with Fraud Risk Operations and developing procedures and processes 

Familiarity with banking fraud regulations and framework. Knowledge of data privacy, compliance and financial crime policies. 

Highly detail oriented with excellent investigative skills, with ability to detect patterns, assess impacts and recommend solutions 

Experience with SAS/SQL is required 

Demonstrated ability to influence and drive alignments without direct authority across multiple business units 

Excellent organizational skills. Ability to build strong relationships across all levels and across organizations. 

Strong written and verbal communication skills; ability to interact with all levels of management 

Preferred Qualifications 

Experience at a GSIB or top 20 banks with direct review/oversight of Fraud Operations processes. 

Excellent analytical skills. Qualitative and quantitative problem-solving skills in complex and unstructured environment 

Strong technical acumen. Exposure to Big data, Machine Learning, Python and other advanced analytical tools is strongly desired 

Six sigma training or equivalent training on process design/quality assurance 

Co-location with Fraud Operations colleagues 

Work hours of 7:00AM PHX to 4:00PM PHX / 9:00ET-6:00ET 

Salary Range: $90,000.00 to $165,000.00 annually + bonus + benefits

The above 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.

We 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.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers - Click to view the “Know Your Rights” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

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