Senior Product Manager, Agentic Payments (Digital Labs)

At American Express, our culture is built on a 175-year history of innovation, sharedvalues 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 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.

Amex Digital Labs’ mission is to build the future of payments and membership, creating new value that evolves with our customers' needs and drives deeper engagement and loyalty. We leverage emerging technologies to deliver innovations that enhance how customers pay, travel, dine, and experience the brand.

We are seeking a Senior Product Manager to drive the development and delivery of Agentic Payment capabilities for our Card Members. This Senior Product Manager will focus on the strategy and execution of the frameworks, features, and services that enable seamless, secure transactions across various channels. This person will build a strong command of emerging agentic commerce protocols, existing card payments infrastructure, and new interaction models. They will lead new integrations across multiple partners, shape the end-to-end customer experience, and drive innovation at the intersection of AI, payments, and digital trust.

How will you make an impact in this role?

• Balance the needs of customers, internal stakeholders, leadership, and external partners while working with engineers and solutions architects to identify technical solutions, define specs, shape product requirements, and deliver platform capabilities that continually advance Agentic Payment experiences
• Partner closely with Network and Product teams to define and champion industry standards and protocols for Agentic Payments
• Define and manage development and release timelines, navigate complex dependencies, and clearly communicate impacts and updates to stakeholders.
• Interpret and apply legal and regulatory requirements to create compliant, customer-centric solutions; support audit processes and respond to regulatory inquiries as needed
• Monitor market trends, competitive landscape, and industry shifts in payments and banking to inform continuous product evolution.
• Leverage customer feedback, industry insights, and data analytics to continuously optimize the product and refine backlog priorities.
• Collaborate across Amex Digital Labs to identify ways to continuously build better products and drive an innovation first culture

Minimum Qualifications:

• 5+ years of experience leading product initiatives in payments or financial technology, with a strong understanding of AI-enabled products and emerging digital commerce trends
• Team player, comfortable with ambiguity, adaptable, accountable, and highly organized
• Proven people leadership experience, with the ability to coach and inspire cross-functional teams
• Strong customer empathy and a passion for building exceptional products and services; skilled at clearly articulating user needs and product functionality
• Experienced in collaborating closely with engineering; able to bridge business goals with technical implementation and speak fluently across disciplines
• Detail-oriented and analytical; adept at framing key questions, interpreting data, and making informed product decisions
• Exceptional communication and relationship-building skills; able to engage, influence, and align stakeholders to drive execution
• Intellectually curious with a systems-thinking mindset; able to connect dots across functions and uncover innovation opportunities within complex environments
• Comfortable with iteration and feedback; embraces a test-and-learn approach and continuously adapts based on user insights, data, and team input
• Willingness to be creative within the bounds of the highly regulated financial services environment

Salary Range: $123,000.00 to $215,250.00 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.

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