Manager - Risk Management

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.

Fraud Risk Management (FRM) helps enable profitable business growth by reducing the risk of fraud and maintaining our customer’s confidence in the security of our products. FRM is also accountable for building the infrastructure to manage the emerging risks associated with e-commerce and internet services.

The Point-of-Sale (PoS) US Card Not Present Fraud Risk team is looking for energetic and high-performing Manager to drive innovation in Card Not Present fraud risk area. You will have the power to identify interesting and actionable insights that would have a meaningful impact on our customers and our business. You will be responsible for developing and implementing new strategy and capabilities for fraud prevention. These new capabilities would utilize our rich data. In addition to managing fraud strategy for a specific US card not present segment, the role will also be responsible for defining requirements, establishing risk assessment strategies for new product initiatives and collaborating closely with stakeholders both within FRM and across external partner teams.  To succeed in this role, you would need to have a very good blend of technical skills, innovative thinking and collaborative skills.

Job Responsibilities:

·    Develop and implement fraud prevention strategies to mitigate risk in online spend.

·    Minimize unprofitable fraud-related disruptions with a strong focus on optimizing fraud strategy controls.

·    Build and manage fraud capabilities for 3DS and digital segments.

·    Design and implement new data features to reduce approved fraud while maintaining customer experience.

·    Identify and address emerging fraud trends, monitoring key metrics and taking timely corrective actions.

·    Provide thought leadership on fraud strategy for new payment product integrations.

·    Lead the integration of new data sources to strengthen fraud detection and prevention capabilities.

·    Collaborate with cross-functional teams including Fraud Servicing, Decision Science, Digital Labs, and U.S. Consumer and Commercial business teams on strategic fraud initiatives

·    Partner with fraud and technology teams to establish a robust fraud strategy framework for new proprietary product launches.

Minimum Qualifications:

The successful candidate will have:

·    3+ years’ experience implementing capabilities in complex environments.

·    Experience with data processing tools such as R, SQL, Hive, Yellow Brick, or Python is required

·    Solid understanding of statistical techniques for data analysis and correlation.

·    Knowledge of machine learning algorithms is a plus

·    Familiarity with the fraud landscape and emerging fraud trends in the card space is a plus

·    Understanding of payment products, emerging technologies and competitive landscape is preferred

·    Demonstrated ability to manage multiple priorities and work effectively in a fast-paced, dynamic environment.

·    Proven track record of working proactively and independently to solve problems and drive results

·    Strong presentation skills to convey data and fraud insights to different stakeholders

·    Ability to build collaborative, trusting relationships across teams.

·    Strong project management skills, with high energy, intellectual curiosity, and a positive, proactive mindset.

Preferred Qualifications:

·    Bachelor's/Master’s degree in Business, Economics, Sciences, Mathematics, or Engineering related fields preferred

·    Experience in Fraud risk management

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