Senior Manager-Risk Management

Senior Manager-Risk Management

New York, NY, United States

(Hybrid)

Job Description

Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.

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 Team Amex.

How will you make an impact in this role?

This position is part of the US Consumer Charge FUW, Rev Code and Spend Enablement team, and will be primarily responsible for Financial Underwriting for US Consumer Charge portfolio. Consumer PFG is a growing function with the objective to manage high exposure on charge cards to minimize incremental high balance WO loss while also ensuring a smoother customer experience for premium charge customers, and this position plays a key role as part of a dynamic team to manage our Consumer FUW strategies including PFG, Re-UW, RLI and FUW RLA.

Responsibilities

• Some of the key responsibilities for the role include:

• Manage and continuously enhance Proactive Financial Gathering trigger logic

• Refine systematic and manual underwriting strategy

• Partner with RPDS, GSG and SBS to build robust next gen FUW capabilities

• Prepare and lead FUW case reviews with senior leadership

• Support UW case reviews and resolution of executive escalations

• Support Project Guardian related milestones including RCSA action items for Charge FUW process

• Collaborate closely with functional and servicing partners to profitably manage and maximize customer relationships

• Ensure operational excellence and compliance with regulatory, audit and oversight requirements

Qualifications

• Minimum Qualifications

• Strong analytical, problem solving, and project management skills

• 4+ years experience in driving and implementing credit risk management strategies

• Exceptional professional communication skills

• Demonstrated ability to influence partners

• Advanced degree in statistics, econometrics, operations research, mathematics, computer science, engineering, or a related quantitative field of study

• Preferred Qualifications

• Adaptable interpersonal skills, high energy, and a proven team-first mentality

• Sound judgment, great sense of urgency, and strategic thinking

• Intellectual curiosity and learning agility needed to explore and evaluate new ideas

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

• As part of Team Amex, you’ll experience our 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.

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

• 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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

• 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.

• US Job Seekers - Click to view the Know Your Rights poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster.

• The below 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.

• Job Info

• Job Identification

• 26014054

• Job Category

• Risk

• Posting Date

• 09/22/2026, 10:21 AM

• Degree Level

• Bachelor's Degree

• Job Schedule

• Full time

• Job Shift

• Day

• Locations

• AMEX World Financial Center, New York, NY, 10285, US

• (Hybrid)

• Salary Range

• $103750 - $174750 annually + bonus + benefits

• Career Area

• Analytics & Risk Management