Director, Internal Fraud Event Response

American Express•Charlotte, NC

10h

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. How will you make an impact in this role? Position Overview The Director of Internal Fraud Event Response is responsible for the development of advanced analytics that enable strategic insights, internal fraud identification, control evaluation, outlier analysis, and compensating control implementation in response to emerging internal fraud risk. The Director will provide guidance, best practice, and code validation for other analytic staff across the IFCOE. The successful candidate will play a critical role in protecting American Express from insider-driven risks. This leader will support the creation of data driven decision making for internal fraud response across the enterprise, while ensuring strong alignment between analytics, operational execution, and rules strategy. Reporting to the Vice President of Internal Fraud Event Response, this senior professional will leverage analytical expertise, business acumen, and technical proficiency to translate fraud intelligence into actionable detection response that will inform control enhancements, policy changes, and detection strategy implementation. The ideal candidate has a strong background in fraud analytics, coding, rule design, and control optimization — with a passion for protecting the integrity of American Express’s people, processes, and data.

Requirements

10 years of experience in internal fraud detection, fraud risk management, rules development, or analytics, preferably in financial services or payments.
Demonstrated experience designing and implementing fraud detection rules or models in a production environment.
Strong understanding of internal fraud typologies, control design, and risk frameworks.
Advanced proficiency with analytical tools and query languages (SQL, SAS, Python, etc.).
Experience working with rule management systems, case management platforms, large database environments/warehouses, and decision engines.
Excellent analytical, problem-solving, and documentation skills with attention to accuracy and governance.
Ability to work effectively in a fast-paced, cross-functional environment with minimal supervision.

Responsibilities

Create and implement compensating controls to address emerging risks and regulatory changes.
Provide analytic support to more junior analytic staff
Respond to executive and board requests with timely, data-driven insights and recommendations.
Support continuous improvement of internal fraud detection models and analytic tools in partnership with the Detection Analytics team.
Develop statistical modeling, machine learning, and data visualization to identify fraud patterns and emerging threats impacting the industry and American Express.
Ensure the integrity, aggregation, and interpretation of data supporting internal fraud capabilities
Lead rapid response initiatives to address new fraud schemes or internal and external fraud events.
Create ad hoc analysis in response to requests from Executive leadership, providing actionable insights under tight deadlines.
Collaborate with compliance, audit, and risk management teams to ensure effective risk identification, assessment, and mitigation strategies
Serve as a key liaison with executive leadership, board members, and regulatory bodies.
Communicate complex analytic findings and risk assessments in clear, actionable terms for non-technical stakeholders.
Ensure all internal fraud analytics and controls comply with relevant laws, regulations, and internal policies.
Stay abreast of regulatory developments and industry best practices, updating processes as needed.
Conduct detailed analysis of insider-related fraud incidents, trends, and behaviors to identify emerging risks and control opportunities.
Use data-driven insights and behavioral analytics to uncover early indicators of internal fraud exposure.
Partner with Fraud Operations, Investigations, and Operational Risk teams to translate case findings into preventive rule logic.
Manage rule documentation, governance, and performance reporting consistent with enterprise risk standards.
Work closely with 2LOD to ensure rules align with policy, regulatory, and control frameworks.
Provide subject matter expertise on internal fraud risk patterns, detection methods, and process design.
Stay current on emerging internal fraud trends, rule design techniques, and fraud prevention technologies.
Leverage automation, data visualization, and analytics to continuously refine detection logic.
Contribute to a culture of innovation and proactive risk management across the Internal Fraud 1LOD COE.

Benefits

Competitive base salaries
Bonus incentives
6%25 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