Campus Graduate Summer Internship Program - 2026 Global Decision Science, Credit & Fraud Risk - New York, NY

American Express • New York, NY

124d • $38 - $87

About The Position

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 Credit and Fraud Risk (CFR) team at American Express employs 3,500 global professionals focused on managing credit, fraud, and banking risk, optimizing risk trade-offs while delivering exceptional customer experiences. CFR's work spans the entire customer lifecycle, supporting core processes like credit underwriting, fraud detection, servicing, and product development while also maintaining regulatory compliance and operational integrity. CFR leverages advanced analytics, data science, and AI/ML techniques to drive risk modeling, personalize decisions, and enhance customer experiences. The Data Science Intern will support the development of predictive models used across credit, fraud, and marketing to inform key business decisions. They apply statistical techniques and machine learning to real-world datasets, contributing to innovation in areas like customer personalization, risk management, and regulatory compliance.

Requirements

• Currently enrolled in a full-time PhD, Masters or Graduate degree program.
• Graduate degree candidates with an expected graduation date between December 2026 and June 2027.
• Effective team player with interpersonal skills; capable of working autonomously or collaboratively in cross-functional teams.
• Proficiency in Programming (Python or R) for data analysis, modeling, and automation; SQL/Hive for querying large-scale datasets efficiently.
• Hands-on experience in machine learning algorithm development or application.
• Statistical Analysis - Interpreting data using descriptive and inferential statistics.
• Basic experience with cloud platforms and distributed data systems.
• Strategic mindset that connects work to broader strategy and suggests ideas to enhance scalability and impact.

Nice To Haves

• Graduate students enrolled in Computer Science, Statistics, Data Science, Mathematics, Artificial Intelligence or related fields.
• 2 years minimum work experience using sophisticated analytical and machine learning techniques.
• Prior experience, taking initiative to establish or lead an on-campus student organization.
• Proven deep analytical skills with the ability to design new decisioning models or develop innovative tools.
• Skilled in delivering presentations to a wide-ranging audience.

Responsibilities

• Query and manipulate large datasets using tools like SQL, Hive, and Python.
• Build and test predictive models using machine learning techniques (e.g., logistic regression, decision trees, clustering).
• Document modeling choices and provide rationale for algorithm selection.
• Translate business goals into technical requirements and analytical questions.
• Develop a clear and structured final presentation that communicates the project's purpose, methods, insights, and business impact.
• Analyze current decisioning models, develop and implement a plan to improve model prediction accuracy.
• Improve automation of customer connects via a GenAI enabled chatbot tool.
• Use deep learning to uncover hidden trends in fraud and credit bust-out.
• Write scripts for data analysis, modeling, and automation using Python or R.

Benefits

• Competitive base salaries.
• Flexible work arrangements and schedules with hybrid and virtual options.
• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location).
• Free and confidential counselling support through our Healthy Minds program.
• Career development and training opportunities.

What This Job Offers

• Career Level: Intern
• Industry: Credit Intermediation and Related Activities
• Education Level: Master's degree