Analyst - 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.

How will you make an impact in this role?

Authorization Modernization Program (AMP) is a high priority strategic initiative aimed at uplifting the authorization platform (CAS), which performs critical tasks to support business processes across multiple touch points in the customer lifecycle, for e.g. deciding approval or decline of a transaction based on a business logic, applying payment information, computing key data elements (exposure, delinquency, risk scores, etc.), triggering risk strategies and cascading credit risk related information to other critical systems like RAVEN (for customer communication), WCC (for credit servicing), MYCA (customer self service), etc.

The position of Analyst, US Commercial AMP Servicing is within the Commercial Customer and Limit Management team, part of the Commercial Credit Risk organization. The position will report into the Manager, US AMP Servicing and will work closely with business partners across the organization (GSG, Compliance, GCO, Capabilities, CFR peers and leaders). The successful candidate will be responsible for designing POA processes across credit digital and case management functions globally, and closely collaborating with various GSG teams to apply process synergies. This role will also provide the incumbent ample opportunities to lead and influence partners within and outside CFR.

The key responsibilities are: 

• Lead transformation of the next gen authorization / customer management capability by defining requirements for key functions of credit concern identification and subsequent servicing (trigger, communication, treatment) globally (including Global Consumer and Small Business Services).
• Collaborate with SMEs from these functional areas to understand end to end process and leverage understanding to drive scope alignment, discovery, design and subsequent implementation.
• Conceptualize and deliver robust and scalable capability, and support functions within it, by leveraging platform uplift synergies across CFR and GSG. 
• Deepen understanding of relevant functions and data elements to map out requirements for relevant customer journeys.
• Use analytics to identify key areas to simplify or prioritize for uplift.
• Influence various stakeholders to seek alignment on various decision points

Qualifications:

• Interest in commercial credit risk
• Experience in analyzing structured/unstructured data using SQL or Python
• Internal Description Proficiency with Microsoft Office, especially MS Excel and PowerPoint
• Attention to detail and comfortable working with large data sets
• Capability of translating data-driven insights into actionable results
• Ability to drive change, influence without authority and deliver results
• Desire to build business cases and manage projects
• Logical, consultative, and adaptive to change
• Strategic thinking, ability to work independently and prioritize tasks
• Positive energy, collaboration and excellent communication skills are a must
• Undergraduate degree required

Salary Range: $55,000.00 to $105,000.00 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.