**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. 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. Positions in Risk Management lead the development of credit, operational, enterprise, and fraud policies designed to profitably grow the portfolio, while ensuring excellent customer experience. These policies utilize mathematical models and other techniques to understand and predict customer behavior. At the Analyst level, the employee does not have a people leadership role but is often viewed as an emerging expert in the field. Focuses are on resolution of complex problems, conducting analyses, recommending changes to policies, and establishing procedures that affect immediate organization. How will you make an impact in this role? + Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure. + The successful candidate will serve a key role on the Fraud Servicing Strategy and Capabilities team within Fraud Risk Management. The incumbent will drive change through the development of servicing strategies and capability enhancements with the primary objective of reducing fraud losses while enabling continued billed business. This will require expertise in pulling, analyzing, and concisely summarizing big data. The role will also have multiple cross functional responsibilities requiring cohesive collaboration and communication with colleagues in Fraud Operations, Fraud Strategy, Fraud Capabilities, Global Commercial Services, and Product Development. + Controlling fraud losses while promoting a positive customer experience is a balancing act. Project management with the ability to pivot when necessary is needed to execute deliverables on time. The incumbent will need to be able to define problem statements and keep a customer-focused mindset while conducting E2E case reviews, ultimately translating findings into action plans that reduce fraud while improving customer experience. **Job Responsibilities:** + Develop and support the implementation of fraud risk management strategies including the design of customer communication strategy and Point-of-sale controls + Lead the design and execution of the risk capabilities required to support new process enhancements + Create and review portfolio MIS. Conduct regular case reviews to identify opportunities and drive effective risk strategies + Partner with Decision Science, Fraud Servicing and Operations, Risk Capabilities, and other Risk strategy teams to build effective fraud servicing controls to mitigate losses + Minimum Qualifications + Successful candidate should possess minimum of 1 year of experience in Risk Management in the card industry or a Bachelor’s degree in Engineering, Mathematics, Statistics, Economics, Finance, Business Analytics or related fields. + Preferred Qualifications + Ability to use SQL, Python /MLS or other programming languages to draw insights from big data + Extensive knowledge in Microsoft Suite (Excel and PowerPoint) + Strong interpersonal, written, and verbal communication skills + Highly motivated individual with excellent problem-solving skills **Qualifications** Salary Range: $78,000.00 to $124,750.00 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 United States is required as the company will not pursue visa sponsorship for these positions. **Job:** Credit **Primary Location:** US-Arizona-Phoenix **Schedule** Full-time **Req ID:** 25017725