Senior Analyst-Risk Management - job 1 of 5
You Lead the Way. We’ve Got Your Back.
With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
Join Team Amex and let's lead the way together.
How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.
About The Role
As part of the Lending & Payments banking team, you will join a team of skilled risk managers who are responsible for the thought leadership, creation, delivery, and management of Fraud risk and controls that support product enhancements. In this role, you will focus primarily on managing initiatives that cuts across Lending & Payments products but not limited to Business Line of Credit, AP Auto & Global Pay portfolio. This role focuses on resolution of complex problems, conducts analyses, recommends changes to policies, and establishes procedures that affect immediate organization
Key responsibilities include:
- Risk Management Strategy: Design and execute risk management strategies for American Express Lending & Payments Products, monitor growth and trends in the portfolio and evaluate new data sources to enhance Credit & Fraud risk strategies
- Execution of risk-related policies, procedures and strategic initiatives: Critically evaluate our risk-related policies and procedures and drive execution of the next generation of improvements and strategic initiatives
- Driving profitable growth: Work with Capabilities, Product, Compliance and Servicing partners to ensure timely execution of risk controls.
Qualifications:
- Understanding of Consumer & commercial credit & fraud analysis. Background/ experience in analytics preferred
- Fluency with data manipulation tools like Python or SQL plus experience in data-driven decision making strongly preferred
- Logical, consultative, and adaptive to changing conditions
- Able to work in a very dynamic environment
- Strategic thinking, ability to work independently and prioritize in real-time
- Positive energy and excellent communication skills
- MBA/MS or advanced degree preferred
Salary Range: $55,000.00 to $105,000.00 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
- 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.
US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.
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As a Senior Analyst in Risk Management at American Express, based in sunny Phoenix, Arizona, you will play a pivotal role in driving the success of our Lending & Payments team. Here, you will collaborate with skilled risk managers to develop and manage fraud risk strategies that enhance our service offerings. Your responsibilities will encompass designing and executing risk management strategies while utilizing one of the richest data sets available to derive meaningful insights that positively impact our customers and the business. You'll work on complex problem resolutions and manage policy evaluations, ensuring our risk controls are implemented effectively and thoughtfully. In this position, a background in consumer and commercial credit analysis, along with proficiency in data manipulation tools such as Python and SQL, are highly valued. But more importantly, we’re looking for a passionate individual who thrives in a dynamic environment, showcasing strategic thinking and adaptability. At American Express, we’re committed to providing our colleagues with a supportive environment that nurtures personal and professional growth. With competitive salaries, comprehensive benefits, and flexible working options, you'll find that Team Amex not only supports you in your career journey but also in your overall well-being. If you’re ready to take on the challenge of evolving risk management in our ever-changing landscape, we’d love for you to join us and lead the way together!
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American Express is a multinational financial services corporation and global leader in providing personal, small business, and corporate credit cards.
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