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Description

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. 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.

American Express Credit & Fraud Risk Management

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 Bank Risk Strategy Team, which is a team of highly skilled professionals that designs recovery and account cancellation strategies, partners in building disputes 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.

Role Responsibilities:

+ Disputes, recovery, and cancellation controls for banking product (process, capabilities, and strategies) including fraud claims identification of patterns for strategy optimization

+ Ability to innovate and provide functional strategies recommendations for enabling effective fraud dispute framework for new product /features

+ Support fraud decisioning strategy that optimizes fraud detection, recovery, and customer experience by driving functional requirements

+ Communicate effectively across teams and gain credibility by understanding end to end impacts of the fraud strategies that are implemented

+ Collaborate with internal **and external stakeholders** including business, technology, product management, operations management, legal, compliance, risk, audit, and technology to ideate and create solutions, capabilities and strategies for fraud mitigation.

+ Act as a risk subject matter expert and share best practice across the enterprise

+ Daily / Weekly/Monthly KPI reporting, monitoring and case review, and Accurate Documentations for audit readiness and regulatory compliance

+ Monitor recovery opportunities and work with stakeholders to maximize fraud related loss recoveries

Qualifications

+ Experience in Fraud Risk & dispute management for online and mobile environment is strongly desired

+ Familiarity with banking fraud regulations and framework (e.g. Reg E). Knowledge of data privacy, compliance and financial crime policies.

+ Excellent analytical and investigative skills, with ability to assess claims, detect patterns and recommend solutions

+ Experience implementing fraud risk, credit risk, or risk recovery programs is required

+ Demonstrated ability to influence and drive alignments without direct authority across multiple business units

+ Experience with SAS/SQL is strongly desired and exposure to Big data analytical tools

+ Degree in Engineering, Mathematics, Statistics, Economics, or related fields is strongly desired

+ Ability to build strong relationships across all levels and across organizations.

+ Strong ability to influence others and work effectively in a matrix environment; by analyzing both quantitative and qualitative methods

Qualifications

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 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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**Job:** Credit

**Primary Location:** US-Arizona-Phoenix

**Schedule** Full-time

**Req ID:** 25009222