Analyst-Risk Management

Overview

The Enterprise Data Strategy team within Credit and Fraud Risk Management (CFR) optimizes risk decisions across the customer lifecycle by identifying, testing, and integrating internal and external data assets. The team manages relationships with key third-party data providers and supports contribution policies with external data partners, including credit bureaus, to enhance risk products across new accounts, customer management, and collections. It also serves as a strategic channel for exploring innovative data opportunities for the enterprise.

The Analyst will be part of the Open Finance and Banking Data Strategy team, focused on maximizing the value of existing banking and open finance data while supporting the development of new data capabilities that improve credit underwriting, line management, fraud prevention, and customer verification strategies. The role supports initiatives related to the evolving US Open Banking (Section 1033) landscape and collaborates with cross-functional teams to evaluate the impact and opportunities of open finance data across CFR use cases. The Analyst will partner with internal stakeholders and external data providers to support data evaluations, analytics, reporting, and strategic initiatives that strengthen risk management and business growth.

Responsibilities

• Support data evaluations, analytics, reporting, and strategic initiatives in collaboration with internal stakeholders and external data providers.
• Contribute to initiatives related to the evolving US Open Banking landscape (Section 1033) and assess opportunities for open finance data across CFR use cases.
• Work within the Open Finance and Banking Data Strategy team to maximize the value of existing data and help develop new data capabilities for improved underwriting, line management, fraud prevention, and customer verification.

About American Express

At American Express, our culture is built on a 175-year history of innovation, shared values, and Leadership Behaviors, with a commitment to back our customers, communities, and colleagues. We operate with a strong risk mindset to uphold our brand promise of trust, security, and service. As part of Team Amex, you’ll receive comprehensive support for your well-being and opportunities to learn new skills, develop as a leader, and grow your career. Your voice and ideas matter, and your work will have an impact as we help define the future of American Express.

Benefits

• 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, for pregnancy, adoption, or surrogacy
• Free access to global on-site wellness centers (locations permitting)
• Free and confidential counseling support through the Healthy Minds program
• Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

Equal Opportunity

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion