Job Description

Job ID: 26013519Posted: 2026-09-08Location: Phoenix, AZ, United StatesSalary: $103750 - $174750 annually + bonus + benefitsJob Function: OtherSchedule: Full timeShift: DayWorkplace: HybridCareer Area: Analytics & Risk ManagementCompany: American ExpressDescriptionAmerican Express Fraud Risk is a place to create, innovate, and collaborate, to push the boundaries on providing a world-class customer experience and catching fraudsters. Fraud Risk colleagues are industry’s most innovative thinkers and creative problem solvers with access to cutting edge tools and one of the world’s most valuable datasets. You’ll have the power to identify insights and take actions that can have a meaningful impact on our customers and our business.This exciting and critical position will be responsible for evaluating victim and first party fraud risk by designing key fraud risk servicing strategies to improve customer experience and reduce enterprise risk exposure from first party fraud. This role will also interact with multiple enterprise partners including Risk, Global Servicing, EDMX, Enterprise Digital, Technology.Within the Global Fraud and Banking Risk organization, the Suspect Claims team is responsible for leading bogus fraud claim detection and rejection initiatives. The successful candidate will provide thought leadership for the bogus fraud transaction identification and rebill process, which leverages Amex’s unique closed loop and big data capabilities. In this role, you will collaborate with Risk and other enterprise teams to build efficient strategies, reducing the losses due to bogus claims by identifying data signals to accurately distinguish bogus and fraud transactions. You will work in a highly dynamic and exciting environment and will have the opportunity to shape strategies and policies for American Express Card and Non-Card products as it relates to bogus claims. You will be part of a high performing team and play an influential role working closely with partners in other Risk teams, Global Servicing Network, Legal/Compliance, and Technologies to create world-class strategies and capabilities.ResponsibilitiesThe responsibilities would include:Designing victim fraud and first party fraud claims management strategies.Analyze structured and unstructured data and translate data using statistical, financial machine learning, or business intelligence techniques.Partner closely with internal credit & fraud risk teams and business partners to ideate, and create solutions, capabilities, and strategies.Leverage GenAI model in designing efficient strategies to reduce first party fraud risk.Qualifications5+ years of experience in analytics, fraud strategy, disputes, payments risk, or a closely related field is preferred Meaningful experience with the end-to-end dispute lifecycle, including intake, investigation is preferred Excellent written and verbal communication skills, including the ability to explain complex findings to technical, operational, compliance, and executive audiences. Strong cross-functional leadership and the ability to influence teams without direct authority. Demonstrated ability to translate analysis into production rules, policies, product requirements, or operational changes. Good understanding of fraud typologies, including account takeover, unauthorized transactions, scams, first-party misuse, refund abuse, merchant fraud, and synthetic identity. Advanced, hands-on SQL skills and experience analyzing large transactional datasets; Fluence with data processing languages and tools such as SQL, SAS, Hive.Ability to work in a dynamic, fast-changing environment, with a strong attention to detail, communicate effectively and work well in a cross-functional environment.Post Graduate Degree in Economics, Statistics, Computer science, Mathematics, Finance, Operations Research, Engineering, Science, or in related advanced quantitative fields is preferred.Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.About the TeamAt 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. 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.

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