Senior Analyst-Risk Management

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With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

American Express has a network that connects millions of consumers, merchants and businesses around the globe in a payments and commerce ecosystem that creates value for all its constituents.Our Global Merchant Network Services (GMNS) Risk Management Team stands behind each of these purchases, thus protecting this network of millions of consumers, merchants and businesses.

The Senior Analyst will join at team responsible for overseeing a portfolio with exposure of over $5 Billion. You will be a Risk Officer on the front line, protecting our merchant business P&L from loss, while carefully balancing the merchant relationship with American Express. You must have good judgment, excellent communication skills, be analytical, motivated and be a strategic thinker, who can both dive into numeric financial details while still being able to conduct negotiations with C-Suite executives across a variety of industries. Our team members are often considered “jack of all trades”, who are self-directed and make decisions that have high stake profitability and risk tradeoffs. Additionally, our team plays a central role in both the GMNS Business and Risk organizations by collaborating with numerous Business Units within the enterprise. 

How will you make an impact in this role?

• The incumbent will be managing their own portfolio of merchants to identify exposure and proper mitigation strategies.
• Risk Officer will manage the end-to-end life cycle of an AMEX merchant relationship from onboarding to periodic review/maintenance and possible exits.
• Work with internal stakeholders on best practices and key portfolio concerns while growing GMNS business.
• Demonstrate influence and negotiation skills when speaking to internal AMEX leadership as well as merchant C-Suites
• Ability to turn big, raw data files into meaningful reporting and presentations.
• Complete ad-hoc work assignments dedicated to mitigating the overall GMNS portfolio
• The incumbent will also work alone or collaborate with fellow GMNS Risk colleagues on projects designated to enhance, manage, mitigate GMNS Risk processes.

Minimum Qualifications

• The successful candidate must be able to work under their own initiative, have excellent time management skills and be able to problem solve in times of fast changing priorities. In addition, they must be able to navigate through very stressful, urgent, complex and ambiguous situations independently while seeking the win-win solution.
• The incumbent must have excellent relationship and communication skills with the ability to apply analytical/quantitative and negotiating techniques to business solutions.
• Strong financial and analytical acumen, financial credit and/or accounting knowledge is required.
• Strong data analytic skills required, including extensive knowledge in Microsoft Suite (Excel and PowerPoint), SQL, Tableau, BI tools.

Preferred Qualifications

• Previous Merchant Acquiring Risk, Client Management or Commercial Credit Underwriting experience throughout multiple industries is desirable.
• Previous experience with C-Level counterparts presenting complex credit metrics is preferred.
• Project management skills with experience collaborating within large business units preferred.
• Knowledge of Python and Java preferred.
• MBA, CFA, PM or equivalent work experience preferred.

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for this position.

Salary Range: $55,000.00 to $105,000.00 annually + bonus + benefits

The above 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.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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 our Colleague Benefits Site.

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.

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.

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