Analyst-Control Management
American Express · Posted Oct 27
Banking, credit card, payment network, and travel services
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About the role
Credit & Fraud Risk (CFR) manages the risk strategies across all markets and portfolios to minimize the company's credit and fraud losses while promoting business growth and delivering superior customer service. The Credit & Fraud Risk Control Management Risk ID: Assessment & Testing team identifies, assesses, mitigates, and reports on Operational Risk within business unit processes to ensure adherence to regulatory standards and Amex policy. The Analyst will facilitate business self-testing and risk reporting, monitor and review credit and fraud risk complaints, and conduct independent quality assurance and process testing in collaboration with partners across business units and geographies.
What you will do
- Facilitate BUs in identification, testing and reporting of risks (e.g. Conduct Business Self-Testing leveraging analytical rigor for early detection of operational issues)
- Monitor & review Credit and Fraud Risk complaints to identify and understand areas of potential emerging risk
- Assist in enhancing complaints review and monitoring process for credit and fraud risk which includes expanding the program to all strategies within credit and fraud risk
- Support thematic risk reporting of complaints(levels, trends, root causes)
- Proactively help identify areas of high-risk for intervention (e.g., automated alerts generated for high-risk areas signal need for intervention and focus), including conducting independent quality assurance and vertical process testing
- Support risk management practices within the business
Skills used in this role
What the employer is looking for
- 1-2 Years experience in Credit & Fraud risk management (e.g., within Risk and/or Internal Audit function) Understanding of critical operational risk management lifecycle activities
- Project management, communication, and interpersonal skills
- Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards
- Sound analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios effectively
Preferred qualifications
- Bachelor's Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous
- Experience in at least one of the following:
- Supporting identification of operational risks throughout business processes and systems
- Supporting independent control monitoring, including identification of control improvements
- Supporting the identification of areas of risk for intervention, including conducting independent quality assurance and process testing
- Compiling thematic risk reporting to provide actionable insights on risk levels, emerging trends and root causes
Benefits and support
- 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)
About American Express
American Express Company is a globally recognized multinational financial services corporation specializing in payment cards, travel-related services, and network banking. Founded in 1850, the company provides charge and credit cards, expense management products, and merchant services to consumers, small businesses, and large corporations worldwide. It operates a proprietary payments network known for its premium customer engagement and lifestyle rewards programs.
- Industry
- Banking
- Company size
- 76800 employees
- Founded
- 1850-03-18
- Location
- New York City, New York, USA
- Funding stage
- Public Company
Leadership
Chairman and Chief Executive Officer
Chief Financial Officer
Chief Information Officer and Executive Vice President
Chief Colleague Experience Officer
Chief Marketing Officer
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