Job Details

Senior Manager - Payment Risk Data Strategy

New York, NY, United States

Job Description

The Senior Manager will be part of the Enterprise Data Strategy team, focused on leveraging non-credentialed banking and open finance data to strengthen risk management across payments and deposits. This role drives the strategy and roadmap for data capabilities that enhance fraud prevention, credit risk assessment, and deposit risk management.

The role partners across the enterprise to improve decisioning, strengthen controls, and enable secure growth across consumer and commercial portfolios, while leading external partnerships to deliver scalable, compliant data solutions.

Responsibilities

• Lead Payment Risk Data Strategy across the customer lifecycle, advancing fraud prevention, transaction risk controls, and deposit risk management through data-driven approaches

• Drive adoption and integration of non-credentialed banking data to enhance risk decisioning and reduce reliance on credential-based access

• Identify and scale high-impact data opportunities by analyzing internal and external sources to improve payment controls, reduce fraud losses, and strengthen deposit risk oversight

• Own and shape the strategy for external data partnerships, driving data quality, performance management, and the development, prioritization, and integration of use cases across the enterprise

• Deliver actionable insights, risk strategies, and performance metrics to improve authorization outcomes, fraud detection, and overall risk controls

• Partner cross-functionally with Risk, Fraud, Compliance, Product, Banking & Payments, and Decision Science teams to design, implement, and scale data-driven risk strategies

• Influence internal and external stakeholders, manage escalations, and drive alignment on data investments and risk priorities

Qualifications

• Demonstrated ability to work independently and across a matrixed organization to deliver solutions at top speed

• Ability to manage and lead large scale projects with multiple cross functional partners

• Results driven mindset with a proven track record to prioritize and deliver against multiple priorities in a fast-paced, dynamic environment.

• Good communication and influencing skills with an ability to translate data and analytics into business insights and recommendations, conceptualize and sell ideas

• Strong technical skills to perform data evaluation, analytics, and matrices tracking/reporting

• Knowledge of Python, SQL, Spark, SAS, and familiar with big data and cloud environments

• 5+ years of experience in a financial services organization in data or strategy function

• Knowledge of Banking, Open Finance or Credit data ecosystem preferred

• Bachelor Degree required, concentration in a quantitative field or business management preferred

• Experience in managing people preferred

• Adaptable interpersonal skills, high energy, and a proven team-first mentality

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

At American Express, our culture is built on a 175-year history of innovation, shared values (https://www.americanexpress.com/en-us/company/who-we-are/) and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

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 out Colleague Benefits Site (https://www.americanexpress.com/en-us/colleagues/benefits) .

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 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 (https://www.eeoc.gov/poster) ” 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.

The below 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.?

Job Info

• Job Identification 26006815

• Job Category Risk

• Posting Date 04/30/2026, 04:11 PM

• Apply Before 05/15/2026, 05:00 AM

• Job Schedule Full time

• Locations AMEX World Financial Center, New York, NY, 10285, US

• Salary Range $103750 - $174750 annually + bonus + benefits

• Career Area Analytics & Risk Management