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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.

Position Summary

The Senior Manager, Internal Fraud Governance plays a key leadership role in strengthening and harmonizing American Express’s internal fraud risk management framework across the enterprise. Reporting to the Director, Internal Fraud Governance, Program Management & Reporting, this role leads two governance professionals and partners across multiple lines of defense to ensure consistent execution of internal fraud standards, controls, metrics, and oversight processes across the first line of defense.

This leader will support the development of an **enterprise-wide internal fraud governance framework** , oversee cross-functional stakeholder engagement, and ensure the program aligns with regulatory expectations, enterprise risk standards, and operational excellence. The role requires a balance of strategic thinking, governance rigor, and strong relationship management to influence across diverse functions and business units.

Key Responsibilities

+ Define and enforce governance standards, including enterprise-level procedures, controls, and risk metrics.

+ Establish and maintain a consistent approach for risk identification, escalation, and decision-making across business units.

+ Manage integration and coordination among internal fraud stakeholders across first, second, and third lines of defense, collaborating on internal fraud program execution.

+ Run governance forums and working groups focused on internal fraud risk management.

+ Facilitate the development and dissemination of key risk indicators (KRIs), control effectiveness metrics, and reporting dashboards.

+ Support the creation and execution of training programs to enhance awareness and adherence to internal fraud governance standards across the organization.

+ Manage regulatory requests, control testing support, and audit follow-up to ensure timely and effective issue resolution.

+ Lead, mentor, and develop two Governance Analysts to deliver high-quality, consistent outputs and enhance governance maturity across the enterprise.

+ Promote a culture of integrity, transparency, and continuous improvement.

+ Serve as a subject matter expert and thought leader on governance best practices, frameworks, and enterprise coordination.

+ Support the evolution of the governance operating model and enhance program maturity

+ Identify opportunities to simplify processes, streamline reporting, and automate governance workflows.

+ Ensure all governance documentation, policies, and procedures are current, accurate, and easily accessible.

+ Drive proactive communication and engagement across stakeholders to promote awareness, alignment, and accountability.

Qualifications

+ Bachelor’s degree in Business, Risk Management, Compliance, or related field required; Master’s preferred.

+ 8 years of experience in risk governance, compliance, fraud risk management, or audit, ideally within financial services or a regulated environment.

+ Demonstrated success in building or enhancing governance frameworks and managing cross-functional stakeholder relationships.

+ Prior experience leading a team or mentoring individual contributors.

+ Strong knowledge of enterprise risk management, fraud control frameworks, and governance principles.

+ Proven ability to design and maintain governance processes, including committee management, reporting, and documentation.

+ Excellent communication, facilitation, and presentation skills with experience engaging senior executives.

+ Strong organizational and program management skills with attention to detail and process rigor.

+ Experience working with regulatory agencies and managing audit engagements.

+ Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word) and data visualization tools (e.g., Tableau, Power BI).

Qualifications

Salary Range: $89,250.00 to $150,250.00 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.

US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

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

**Job:** Operations

**Primary Location:** US-North Carolina-Charlotte

**Other Locations:** US-Arizona-Phoenix, US-New York-New York

**Schedule** Full-time

**Req ID:** 25019488