Senior Analyst - Risk Management

American Express Credit & Fraud Risk Management

American Express Credit & Fraud Risk Management is home to industry-leading fraud strategy professionals who leverage data, analytics, technology, and operational expertise to protect our customers while delivering an outstanding customer experience.

The Bank Money Movement Servicing Team within Credit & Fraud Risk is a first-line risk organization responsible for designing and optimizing fraud servicing strategies across digital banking products, including ACH, wire transfers, and real-time payments.

The team partners closely with Fraud Operations, Product, Technology, Legal, Compliance, and Servicing organizations to improve fraud detection, strengthen operational capabilities, respond to emerging fraud threats, and deliver scalable servicing solutions.

This role is ideal for someone who enjoys solving analytical problems, identifying fraud trends, working with data, and partnering across teams to improve fraud outcomes while balancing customer experience. This role will support the design, execution, and monitoring of fraud servicing strategies through analytics, operational support, and cross-functional collaboration.

Responsibilities

Role Responsibilities

• Analyze fraud, operational, and customer data to identify trends, investigate issues, and support fraud servicing strategies.
• Support the development, implementation, and monitoring of fraud strategies across digital banking money movement products.
• Perform SQL/SAS analysis and develop recurring reports and dashboards to monitor fraud performance and key risk indicators.
• Partner with Fraud Operations, Product, Technology, and other cross-functional teams to support strategy enhancements and operational improvements.
• Assist in fraud investigations, root cause analysis, and evaluation of emerging fraud trends.
• Document business requirements, operating procedures, and process changes to support strategy implementation and regulatory compliance.
• Support risk assessments, control monitoring, and audit readiness activities.
• Present analytical findings and recommendations to team members and business partners. stakeholders.

Qualifications

Minimum Qualifications

• Bachelor’s degree in a quantitative, technical, or business-related field, or equivalent work experience in risk management, with exposure to deposit, fraud, or operational risk; advanced degree in data science, engineering, mathematics, statistics, or business is a plus
• 1 year of experience in financial services, risk, analytics, operations, or related field
• Ability to query large datasets using tools such as SQL, Hive, Python, R, SAS, Excel and Tableau
• Strong analytical and problem-solving skills, with the ability to work with data and draw clear insights
• Demonstrated curiosity, learning agility, and interest in risk management, fraud, or financial services
• Strong written and verbal communication skills, with the ability to collaborate effectively across teams

Preferred Qualifications

• Prior experience with Actimize
• Experience in a first or second line fraud or credit risk role, policy, strategy, or operations specialty
• Experience in management / optimization of fraud prevention tools
• Direct experience working with cross-functional internal teams and external vendors to implement strategies and drive results
• Experience in Scam detection and servicing
• Experience delivering in an agile environment
• Ability to work autonomously

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

About Us

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

About The Team

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 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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The below 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.