Job Description

Credit and Fraud Risk (CFR) team helps drive profitable business growth by reducing the risk of fraud and maintaining industry lowest credit loss rates. It utilizes an array of tools and ever-evolving technology to detect and combat fraud, minimize the disruption of good spending, and provide a world-class customer experience. The team leads efforts that leverage data and digital advancements to improve risk management, enable commerce and drive innovation.

A single decision can have many outcomes. And when that decision affects millions of card members and merchants, it needs to be the right one. That is where our Product teams come in. Product teams are the backbone of all financial services operations at American Express—it impacts every aspect of the company. As a part of this team, you will work with the industry's best talent to create smart and innovative strategies that advance our market share and the way we do business. If you are interested in getting to know all areas of our business and can translate our business needs into remarkable solutions, you should consider a career in Product teams.

Responsibilities

There are diverse set of roles within the Product job family, with varying responsibilities and skill requirements. A brief description of the roles and skills is outlined below:

Product Development: Develop next generation software products and solutions to solve complex business problems using the latest tools and technologies. Collaborate with multiple business stakeholders, technology teams and other product teams to build and iterate on products that directly impact millions of customers and prospects. Manage the implementation of critical products, drive global, reusable, and configurable design, rule authoring, testing, integration, and product launch using low-code tools. This cluster includes a diverse set of roles, with varying requirements on technical acumen – from Low-Code tools to Pro-Code programming skills.

Responsibilities

Support the development and execution of product roadmaps aligned with business and customer needs.
Gather, analyze, and document business, customer, and regulatory requirements to help define product features and enhancements.
Assist in translating requirements into Epics, Features, User Stories, and Acceptance Criteria for Agile delivery.
Work closely with Product Managers, Engineering, Design, and business stakeholders to support product development and delivery.
Help prioritize and maintain the product backlog based on customer feedback, business priorities, and team input.
Participate in product discovery activities, including customer journey analysis, process mapping, and solution brainstorming.
Contribute to testing, documentation, product analysis, and release activities to ensure high-quality product outcomes.
Leverage Generative AI tools to improve documentation, requirements creation, product research, and routine tasks while identifying opportunities to simplify and automate processes.
Continuously learn product management best practices, Agile methodologies, and emerging technologies to contribute to product success.

Qualifications

Bachelor's Degree required; Bachelor's (or comparable experience) in computer science, engineering, or a related technical discipline.
0-2 years of experience in Software Product Management, Business Analysis or Product Ownership.
Experience in data quality management, data analysis, product development, or related analytical roles.
Should have experience with GCP/Big Query or Data Transformation & Airflow.
Strong analytical and problem-solving skills with attention to detail.
Understanding of data quality dimensions, validation techniques, and monitoring frameworks.
Experience creating business rules and monitoring controls for large datasets.
Innovative mindset with the ability to think creatively and propose out-of-the-box solutions
Experience supporting data migration initiatives is an advantage.
Strong communication, collaboration, and stakeholder management skills.
Preferred Hands-on experience using AI tools such as ChatGPT, Microsoft Copilot, Github Co-pilot - or similar generative AI platforms to improve productivity and drive innovation.

About Us

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

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.

About The Team

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

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.

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

Associate-Digital Product Management