Job Description

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.

How will you make an impact in this role?

The Fraud, Credit Bust Out (CBO), Banking Product & Payments Risk Organization is a global team of risk officers, data scientists, and product managers that are building innovative solutions and capabilities to manage external fraud and payment risk across AMEX's card and banking portfolios.


We are looking for an

Analyst

to join the Fraud, Credit Bust Out (CBO), Banking Product & Payments Business Operations team

, which will oversee how the Global fraud team meets expectations outlined in the enterprise-wide policies and governance requirements for operational and fraud risk management across both the global card and banking product portfolios. The team will be responsible for executing new programs that govern, monitor and improve the CBO and payments' group's extensive strategy execution controls, providing thematic analysis on operational issues associated with fraud processes, and creating and maintaining CBO and payments RCSAs.



Key Responsibilities


Support the RCSA program through administrative tasks related to process mapping, risk and control identification, assessment, and annual review Support monitoring of portfolio performance by calculating prescribed metrics and participating and documenting in root cause analysis and remediation plans Support through administrative tasks the timely updates of documentation and operational controls as new customer features & fraud capabilities are introduced Support the execution of BU's risk assessment through analysis and data collation
Conduct controls testing in accordance with Internal Controls Policy

Lead victim fraud events analysis with operational risk lens and partner with functional experts to identify and remediate gaps

Support multiple compliance and regulatory programs, such as AML/BSA SARs referrals, elder fraud abuse detection, scams detection, etc.

Provide administrative support to evidence collection and explanatory responses to exams, audits, and any ad hoc governance requests

Provide administrative support to Track and identify issues and fraud events as outlined by the Issues and Events Policy
Required Qualifications


Strong project management, communication, and interpersonal skills
Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards
Proficient analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate Victim fraud risk scenarios effectively

Ability to navigate through ambiguous problems and be creative

High degree of organization, individual initiative and personal accountability

Positive "roll-up your sleeves" attitude, a proactive mentality, and a passion to win required




Preferred Qualifications




Bachelor's Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous

Understanding of critical operational risk management lifecycle activities
GSIB Operational Risk or RCSA program experience

Experience managing operational risk events

Prior fraud experience


GUARDIAN



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 Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) 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

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.


Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.