Senior Analyst-Risk Management
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The Enterprise Data Strategy team within Credit and Fraud Risk Management (CFR) is responsible for optimizing risk decisions across the customer lifecycle by identifying, testing, and integrating internal and external data assets. The team also manages relationships with key third-party data providers and supports contribution policies with external data partners, including credit bureaus, to enhance risk products across new accounts, customer management, and collections. In addition, the team serves as a strategic channel for exploring innovative data opportunities for the enterprise.
The Analyst will be part of the Open Finance and Banking Data Strategy team, focused on maximizing the value of existing banking and open finance data while supporting the development of new data capabilities that improve credit underwriting, line management, fraud prevention, and customer verification strategies. The role will support initiatives related to the evolving US Open Banking (Section 1033) landscape and collaborate with cross-functional teams to evaluate the impact and opportunities of open finance data across CFR use cases.
The Analyst will partner with internal stakeholders and external data providers to support data evaluations, analytics, reporting, and strategic initiatives that strengthen risk management and business growth.
Responsibilities
• Support the execution of Open Finance and Banking data strategies across the customer lifecycle using structured, risk-based approaches.
• Analyze existing and emerging banking and open finance data sources to identify opportunities that improve risk decisioning and business outcomes.
• Assist in evaluating third-party data products through testing, monitoring, and performance analysis.
• Support relationship management activities with external data providers, including data quality monitoring and issue resolution.
• Develop analytics, reporting, and dashboards to generate insights and track data performance metrics.
• Partner closely with teams across CFR Data Strategy, Fraud, Compliance, Product, Banking & Payments Strategy, and Decision Science to support implementation and governance of banking data strategies.
• Contribute to the development of data-driven insights that improve credit and fraud risk management capabilities.
• Assist in documenting business requirements, use cases, testing outcomes, and strategy recommendations.
• Support time-sensitive investigations, escalations, and risk-related analyses as needed.
• Collaborate with external partners and internal stakeholders to support innovation in banking and open finance data products.
• Support the execution of Open Finance and Banking data strategies across the customer lifecycle using structured, risk-based approaches.
Qualifications
• Strong analytical and problem-solving skills with the ability to work independently and collaboratively in a matrixed organization.
• Ability to manage multiple priorities in a fast-paced and dynamic environment.
• Strong communication skills with the ability to translate data findings into meaningful business insights.
• Technical skills in SQL, Python, or similar analytical tools preferred.
• Familiarity with big data platforms and cloud environments preferred.
• Experience or academic exposure to financial services, banking, credit risk, fraud risk, or data strategy preferred.
• Knowledge of Banking, Open Finance, or Credit Bureau ecosystems is a plus.
• Bachelor’s degree required; concentration in a quantitative field, analytics, economics, engineering, finance, or business preferred.
• Strong analytical and problem-solving skills with the ability to work independently and collaboratively in a matrixed organization.
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.