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.

Director Risk Management

• American Express Fraud Risk is a place to create, innovate, and collaborate, to push the boundaries on providing a world-class customer experience and catching fraudsters. Fraud Risk colleagues are 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 take actions that can have a meaningful impact on our customers and our business.

• This exciting and critical position will be responsible for evaluating victim and first party fraud risk by designing key fraud risk servicing strategies to improve customer experience and reduce enterprise risk exposure from first party fraud. The role works very closely with Fraud Risk colleagues within fraud risk and decision science team. This role will also interact with enterprise partners including Global Servicing, EDMX, Enterprise Digital, Technology.

Responsibilities include:

• Designing victim fraud scam and first party fraud claims management strategies.

• Analyze structured and unstructured data and translate data using statistical, financial machine learning, or business intelligence techniques to identify scam and suspect claim patterns.

• Develop controls to mitigate scam risk at PoS with continued focus on emerging scam modus operandi.

• Partner across internal FRM and stakeholder teams to provide requirements for leveraging scam GenAI model and its benefit / impact analysis.

• Assess process inherent risk and implement mitigating controls under the fraud RAU.

• Partner with decision science team in development of suspect scam model to support structured data input into GenAI model.

• Defining business requirements for platforms involved in fraud risk prevention strategies.

• Conduct data and process analysis to validate that suspect claim strategy is fully optimized.

• Implement aligned policy changes, including governance approval, change management and effective control design.

Required Qualifications:

• 5+ Years experience in product management, strategy, or new product implementation.
• 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
• Ability to leverage industry trends and insights in designing new products, customer features & fraud capabilities
• Strong project management, communication, and interpersonal skills
• Positive “roll-up your sleeves” attitude, a proactive mindset

Preferred Qualifications:

• Bachelor's Degree Business, Economics, Sciences, Mathematics, or Engineering related fields preferred
• Experience in LLM model development and/or working with GenAI models

Salary Range: $123,000.00 to $215,250.00 annually + bonus + equity (if applicable) + 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.

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

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