Senior Manager Risk Management

American Express•Salt Lake City, UT

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? The Banking Credit & Fraud Risk team leads the 1st line of defense business for credit & fraud risk across all non-card products and channels. The team has six key functions: Work with Product and Technology partners to optimize capabilities through continuous transformation Develop strong relationships with stakeholders across Product, Technology, and Servicing amongst others to turn insights into actions Develop and manage analytics to identify new trends and insights Design and implement rules and strategies in risk platforms Work with second line risk teams to ensure models, rulesets, and strategies are effective Share best practices across American Express This role will be responsible specifically for: End-to-end risk strategy for deposit product payment transactions including balancing effective fraud detection and customer experience by driving risk business requirements Managing cross-functional relationships to ensure that key partners are aware of all credit and fraud risks Communicate effectively with colleagues across the firm including product, technology, compliance, legal, and audit to drive engagement with the risk prevention program of work Act as a banking subject matter expert and share best practices across the enterprise

Requirements

Bachelor's or Master's degree, preferably in engineering or math/stats, or equivalent work experience in risk management
2+ years of banking and/or lending experience, preferably across the risk lifecycle within a regulated banking institution
Exceptional problem solving and analytical skills. Solid critical thinking and analysis in technical scenarios, attention to detail, and able to synthesize large amounts of data to formulate creative and innovative solutions to complex problems
Excellent written and verbal communication skills with an ability to influence business leaders in a meaningful and actionable manner.
Able to work autonomously to affect change - flexible and adaptable to shifting priorities, managing competing priorities to achieve the most effective result and able to work in a fast-paced, results-driven environment

Nice To Haves

Deep domain experience in banking deposit products and/or financial services payments
Proven track record of developing robust and insightful communications suitable for multiple stakeholders including senior management, regulators, and the Board
Direct experience working with cross-functional internal teams and external vendors to implement strategies and drive results
Experience in a first or second-line risk role with focus on risk policy, strategy, or operations
Experience in management / optimization of fraud prevention tools and strategies

Responsibilities

End-to-end risk strategy for deposit product payment transactions including balancing effective fraud detection and customer experience by driving risk business requirements
Managing cross-functional relationships to ensure that key partners are aware of all credit and fraud risks
Communicate effectively with colleagues across the firm including product, technology, compliance, legal, and audit to drive engagement with the risk prevention program of work
Act as a banking subject matter expert and share best practices across the enterprise

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