Job Location: New York, NY
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way.
When you join Team Amex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. Here, you’ll learn and grow as we champion your meaningful career journey with programs, benefits, and flexibility to back you personally and professionally. Every colleague share in the company’s success.
Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to our customers, communities, and each other every day. And we’ll do it with integrity and in an environment where everyone is seen, heard and feels like they truly belong.
Join #TeamAmex and let’s lead the way together.
American Express has a network that connects millions of consumers, merchants and businesses around the globe in a payments and commerce ecosystem that creates value for all its constituents.
Our Global Merchant and Network Services (GMSN) Risk Management Team stands behind each of these purchases, thus protecting this network of millions of consumers, merchants and businesses. Our team makes this happen by leveraging advanced machine learning and network algorithms.
The job entails working in a fast-paced and research-focused environment, leveraging large amounts of linked and unstructured data to predict and prevent credit and fraud risk. Responsibilities include developing the next generation risk management solutions and capabilities and effective collection strategies.
This position will interface with key partners including the Acquisition, Relationship Management, World Services, Risk Decision Science, Operational Business Partners and External Agencies in order to create and drive best-in-class strategy to prevent fraud, limit credit losses and enable collections. The ideal candidate will have experience in applying data analysis and turning them into strategic insights.
Responsibilities
The incumbent will be a data analyst and technology or process enthusiast to ensure credit and fraud losses are trending to zero.
- Support innovative approaches to reduce fraud & credit losses
- Support next generation global merchant risk capabilities and infrastructure
- Enhance the core risk foundations and improve the blueprint of next generation of risk management science & infrastructure
- Conduct in-depth analysis of both internal and external data sources for the ongoing development of tailored risk mitigation strategies
- Identify emerging credit loss trends and implement solutions to support profitable growth
- Partner with Acquisition, Relationship Management, Compliance, Collections, Operations and External Agencies to implement strategies
- Evaluate existing processes for continuous improvement
Qualifications
- Proficiency in working with large volumes of structured and unstructured data
- Preferred understanding of machine learning techniques and modeling concepts
- Programming skills and experience in SQL/SAS, object oriented or functional programming languages
- Strong written and verbal communication skills
- Excellent relationship management and influencing abilities
- Superior organizational, time management, and project management skills with demonstrated proficiency in simultaneously managing multiple projects
- Preferred experience in merchant acquiring industry or independent sales organizations (ISO) credit risk management is 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.
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.
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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Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.
Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.
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