Sr Analyst-Risk Management

Job Description

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

Responsibilities

• 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

Qualifications

Education

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

Work Experience

• 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

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.​