Analyst-Risk Management

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 youll 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 International Fraud Risk Management (FRM) organization manages the policies procedures and systems to control fraudulent use of American Express products and services across Europe Middle East and Africa. FRM helps enable profitable business growth by reducing the risk of fraud and maintaining our customers confidence in the security of our products.

We use both process controls and statistical tools to detect fraud and minimize the disruption of good spending. FRM is also accountable for building the infrastructure to manage the emerging risks associated with e-commerce and internet services.

The role involves managing EMEA issuer Card Present fraud risk and servicing strategy with aim to maximise legitimate spend and driving reduction in fraud losses consulting for audits and building new strategies to adhere to regulatory changes as well as new emerging fraud trends. The role will be based in Brighton.

How will you make an impact in this role

The position will require a close collaboration with Decision Science and Fraud Strategy teams on development and implementation of strategies aimed to improve fraud controls in Card Present area. It will also entail working with FRM product teams Consumer and Corporate business lines as well as Control Management Legal Compliance and other cross functional teams to enable and manage rollout of new capabilities and strategies aimed at securing growth of the portfolio in the region while ensuring appropriate fraud risk controls are in place.

• Manage EMEA issuer fraud risk strategy for card present area (shops) holistically. Closely monitor portfolio MIS perform analysis and conduct regular fraud case reviews to identify vulnerabilities and opportunity for incremental controls & transaction model enhancements and more effective risk strategies
• Collaborate with stakeholders on investigations and provide input and analysis required by business teams and law enforcement agencies
• Partner with other functional areas and Lines of Business to respond to any new/incremental regulatory needs impacting the Card Present sector or the customer servicing strategies and provide fraud risk consultancy/assessment
• Partner with FRM counterparts in other regions utilise internal cross region best practices and industry knowledge to incorporate feedback to drive continuous fraud prevention
• Partner with central teams and local market team members to design and implement projects to improve customer experience and contribute to minimisation of fraud losses
• Collaborate with multiple stakeholders on the integration and implementation of fraud risk business strategies and improvements to customer experience
• Support external and internal audit activities related to fraud risk owned controls capabilities or processes
• Understand and shape the key strategies of the business and translate these into day-to-day operational and production management activities
• Support project management related activities including raising impediments handles risks dependencies and ensures dependency alignment across teams.

This role may be subject to additional background verification checks.

Minimum Qualifications

• Demonstrated experience in problem solving and analytical skills are crucial

• Strong SQL/Python and Microsoft Office tools expertise is required
• Strong communication and presentation skills to convey fraud insights and thoughtful leadership in managing fraud business strategies
• Proven track record of working proactively and independently to drive results
• Ability to analyse structured and unstructured data and translate data into quantifiably and meaningful solutions
• Demonstrated ability to deliver data driven recommendations
• Project management experience with ability to manage multiple initiatives simultaneously and proven flawless execution
• Exceptional ability to think strategically and analytically
• Excellent relationship management skills demonstrated the ability to forge and sustain complex business relationships across
• Ability to manage multiple requests and changing priorities and to work in a fast-paced dynamic environment. Demonstrated ability to work effectively in a high-pressure situation handling several priority assignments simultaneously
• Self-starter with the ability to make sound risk-based decisions based on data independently
• Knowledge of Fraud processes existing strategies and fraud infrastructure as well as understanding of fraud lifecycle is advantageous
• Undergraduate/Master degree is required

Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones physical financial and mental health as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries
• Bonus incentives
• Support for financial-well-being and retirement
• Comprehensive medical dental vision life insurance and disability benefits (depending on location)
• Flexible working model with hybrid onsite or virtual arrangements depending on role and business need
• Generous paid parental leave policies (depending on your location)
• 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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check subject to applicable laws and regulations.