Job Details

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.

The fraud landscape is dynamic, and the modus operandi are always evolving, with fraudsters becoming ever more sophisticated and leveraging new technology for committing fraud. At the same time, the advent of Agentic AI and Agentic commerce is driving exciting innovations in the payments space, but also creating new attack vectors for fraudsters. Addressing these trends will require rapid and effective decision making, strong collaboration with internal and external partners and a strong external focus to stay plugged in to innovations, new form factors and of course adaptations by fraudsters.

The successful applicant will play a crucial role within the Fraud Risk Management Team leading fraud strategy for agentic commerce payments as well as the associated servicing strategy. This role has direct and material impact on our company’s profitability and brand, both in terms of managing fraud losses as well as driving customer experience at point of sale. The objective for the team is to drive profitable business growth by reducing the risk of fraud while supporting the rapid roll out of agentic commerce use cases. The incumbent Director would lead a team of 3 data science/risk management professionals who develop industry leading fraud and servicing strategies to maintain low fraud rates. In addition to creating strategies to reduce fraud rates, the responsibilities include driving the servicing strategy for Agentic Commerce, as well coordinating with key partners, including fraud teams, product owners and Agentic providers to manage the roadmap of Agentic commerce launches, ensuring fraud requirements are incorporated appropriately into the roadmap.

Key Responsibilities:

• Lead fraud loss prevention for Agentic Commerce for the proprietary card portfolio.

• Drive the strategies, capabilities and analytics supporting fraud-related servicing for Agentic Commerce

• Minimize Unprofitable Fraud Related Disruptions, with specific focus on Fraud Strategy Controls.

• Address Emerging Agentic Fraud Trends & Monitor Key Metrics to Take Corrective Actions.

• Conceptualize and implement new variables which would help in reducing approved fraud and enable industry leading customer experience.

• Lead the investigation of agentic fraud cases to identify gaps in our processes and drive remediation.

• Partner with product and technology teams to develop and implement appropriate controls.

• Coordinate with key partners, including fraud teams, product owners and Agentic providers to manage the roadmap of Agentic commerce launches, ensuring fraud requirements are incorporated appropriately into the roadmap

Minimum Qualifications

• Strong analytical and problem-solving experience.

• Exceptional ability to think both strategically and analytically.

• High energy with ability to adapt to dynamic fraud landscape and changing business priorities.

• Strong project management skillset, comfortable with driving requirements for integrated technology platforms.

• Demonstrated ability to influence alignment across a range of goals, including ability to find win-win solutions with partners.

• Proven track record of thought leadership and collaboration.

• Ability to navigate through ambiguous problems, be creative and manage multiple concurrent projects in a dynamic environment.

• Advanced degree in quantitative field and prior leadership experience in the payments business, or fraud risk management.

• Experience/knowledge of Agentic Payments/AI preferred

Qualifications

Salary Range: $123,000.00 to $215,250.00 annually bonus equity (if applicable) 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.

Job: Risk

Primary Location: US-Arizona-Phoenix

Other Locations: US-New York-New York

Schedule Full-time

Req ID: 25022266