**Description**

**You Lead the Way. We’ve Got Your Back.**

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let’s lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

**Credit & Fraud Risk (CFR) Strategy Function**

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

+ 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.

**Minimum Qualifications**

+ Bachelor's or master’s degree or equivalent work experience in risk management – especially in deposit & operational risk (master's in data sciences, engineering/tech, math/stats or MBA degree a plus)

**Preferred Qualifications**

+ 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.

**Qualifications**

Salary Range: $55,000.00 to $105,000.00 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

+ 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 .

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

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.

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/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

**Job:** Risk

**Primary Location:** US-New York-New York

**Other Locations:** US-Arizona-Phoenix

**Schedule** Full-time

**Req ID:** 24006211