Senior Analyst-Risk Management

Job Description

At American Express we are focused on providing the best customer experience everyday through a differentiated set of products and services. Amex’s Risk Management capabilities are at the core of delivering a superior customer experience while managing credit and fraud losses at the lowest levels in the industry. With our mix of assets like closed-loop data and machine learning models on a modern technology stack we are re-imagining how payment experiences & risk management converge in a more modern, digital and connected world.

Fraud Risk Management (FRM) helps enable profitable business growth by reducing the risk of fraud and maintaining our customer’s confidence in the security of our products. FRM is also accountable for building the infrastructure to manage the emerging risks associated with e-commerce and internet services.

The Point-of-Sale (PoS) US Card Not Present Fraud Risk team is looking for energetic and high-performing Senior Analyst to drive innovation in Card Not Present fraud risk area. You will have the power to identify interesting and actionable insights that would have a meaningful impact on our customers and our business.You will be responsible for developing and implementing new strategy and capabilities for fraud prevention. These new capabilities would utilize our rich data. In addition to managing fraud strategy for specific segment under Card not present, the responsibilities will also include working with Product and Technology teams for platform modernization work.To succeed in this role, you would need to have a very good blend of technical skills, innovative thinking and collaborative skills.

Responsibilities

• Develop new fraud prevention control strategies for Online spend

• Minimize Unprofitable Fraud Related Disruptions, with specific focus on Fraud Strategy Controls

• Develop and manage fraud capabilities for 3DS and Digital segments

• Conceptualize and implement new data features which would help in reducing approved fraud

• Address Emerging Fraud Trends & Monitor Key Metrics to take Corrective Actions

• Providing thought leadership for new payment product integrations

• Lead integration of new data sources

• Partner with Global Servicing, Decision Science on key fraud initiatives

• Work closely with different Fraud and Technology teams to ensure robust fraud strategy framework for any new proprietary product launch

• Lead platform modernization and migration efforts in close partnership with Technologies, Capabilities and Product teams

Qualifications

The successful candidate will have:

• 2+ years of experience across analytics, strategy, and execution in complex environment

• Undergraduate / master’s degree in science, Technology, Engineering, Mathematics, or Computer Science

• Experience with data processing tools such as R, SQL, Hive, Yellow Brick, or Python is required

• Understanding statistical techniques related to data analysis and correlation

• Knowledge of machine learning algorithms is a plus

• Working knowledge of fraud landscape and emerging fraud trends in the card space is a plus

• Understanding of payment products, emerging technologies and competitive landscape is preferred

• Ability to manage multiple requests and changing priorities and to work in a fast-paced dynamic environment

• Proven track record of working proactively and independently to solve problems and drive results

• Strong presentation skills to convey data and fraud insights to different stakeholders

• Ability to build collaborative, trusting relationships

• Strong project management and communication skills to work effectively in a team environment. High energy, intellectually curious and infectiously positive.

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

About us

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

About

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 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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The below 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.​