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.

How will you make an impact in this role?

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

Amex’s Risk Management capabilities are at the core of delivering the superior customer experience while managing credit and fraud losses at lowest levels in the industry. With our mix of assets like closed-loop data, machine learning models, underwriting techniques on a modern technology stack we are re-imagining how payment experiences & risk management converge in a more modern, digital and connected world. 

In order to deliver on the vision, the Risk Products & Data Strategy (RPDS) team is driving the roadmap for modernizing risk platforms while enabling new business capabilities. Modernizing the Authorizations platform is a key strategic imperative to uplift an aging infrastructure and provide new capabilities to enable rapid innovation and growth.  

This role combines the responsibilities of a Product Manager and a Product Owner.

The Product Manager leads transformation of risk systems, plays a central role in detailing the blueprint, and works in close partnership with stakeholders in RPDS, as well as external experts, to arrive at the best design/solution and oversee its execution. This is a stakeholder facing role that is responsible for process vision and roadmap, customer experience, business architecture, capturing and grooming requirements, prioritization, status tracking and reporting, defining process SLAs and controls.

The RPDS Product Owner team is responsible for owning the fraud and risk aspects of new product launches and updates to current offerings. To accomplish this, the RPDS Product Owner team partners with Global Risk Technologies as well as the Product teams, Strategy partners, and Enterprise Architects (Data/Enterprise/Technical), and works with managers and directors to design solutions and strategies using predictive models and strategies for Amex Card and Non-Card products. They collaborate with partners on other Risk teams, Marketing, Finance, Global Servicing Network, Legal/Compliance, Banking, and Technology to create world-class analytical capabilities and solutions to minimize credit and fraud risk and improve customer experience.

Qualifications

Deep and broad expertise in consumer or commercial risk management encompassing knowledge of processes and systemsAbility to build strong relationships, operate effectively within large cross-functional teams, and influence business partners to drive transformational changeAbility to communicate and interact effectively with internal and external stakeholders at all levelsDemonstrated ability to think outside the box and design industry leading solutionsUnderstanding of Scaled Agile (SAFe) principles and experience effectively managing a backlog of competing initiatives desirableKnowledge of fraud authorization, credit bureau, decision science models or experience in another core fraud risk management function and/or knowledge of Amex data and risk technology platforms preferredHigh degree of organization, individual initiative and personal accountabilityAn ability to solve complex problems and a highly analytical approachRisk Capabilities experience is highly desiredBachelor’s degree in computer science/technology/engineering/business management or related field is mandatory

Preferred Qualifications

4+ years of product management/ownership or product development experience developing fraud management products A strong product mindset, proactive communication and a collaborative spirit.Excellent communication skills with the ability to engage, influence, and inspire partners to drive collaboration and alignmentMaster’s Degree (or comparable experience) in management, computer science, engineering or a related discipline is idealExperience working on Banking Product Management is a plus.

Salary Range: $123,000.00 to $215,250.00 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.

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