Senior Manager-Risk Management - job 12 of 14

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.

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

The successful candidate will join the Banking Onboarding Fraud Risk team, which is a team of highly skilled analytical professionals that defines policy and procedures, designs strategy, partners in building banking capabilities, and develops monitoring controls.

This position would participate in foundational controls and processes compliant with Banking regulations, for commercial and consumer banking programs.  In this role, you will collaborate with the multiple partners including product teams, legal, compliance, servicing operations, Digital Banking platform, technology, vendors, and capabilities teams.  Successful candidates implement compliant strategies that drive great customer experience and offer robust fraud and credit controls.

Key responsibilities include:

• Risk Management Strategy: Design and execute Third Party Fraud risk management strategies for American Express Deposit and Lending Products, monitor growth and trends in the portfolio and evaluate new data sources to enhance Third Party Fraud risk strategies.
• Develop, enhance, and monitor capabilities and controls that support industry leading loss rates as well as best in class customer experience for new product launches and product enhancements.
• 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:

• 3+ years of banking and/or lending experience, across the fraud life cycle. Background/experience in analytics preferred.
• Fluency with data manipulation tools like Python, Tableau, or SQL plus experience in data-driven decision making strongly preferred.
• Exceptional problem solving and analytical skills and strong project management and communication skills to work effectively in a team environment.
• Solid critical thinking and analysis in technical scenarios, attention to detail and able to synthesize large amounts of data and formulate creative and innovative solutions to complex problems.
• Able to work in a very dynamic environment. Direct experience working with cross-functional internal teams and external vendors to implement strategies and drive results.
• Strategic thinking, ability to work independently and prioritize in real-time.
• Bachelor's or Master’s degree or equivalent work experience in risk management, especially deposit & operational risk (Masters in Science, engineering/tech, math/stats or MBA degree a plus).

Salary Range: $90,000.00 to $165,000.00 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.

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