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Vice President – Risk Management Global Merchant and Network Services
ID: (phone number removed)
Job DescriptionWork Location Options:
Hybrid/Virtual
You Lead the Way. We’ve Got Your Back.
With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
Join Team Amex and let’s lead the way together.
You Lead the Way. We’ve Got Your Back.
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible – and we’re proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day.
Amex Flex
We back our colleagues with the support they need to thrive, professionally and personally. That’s why we have Amex Flex, our company-wide 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.
This is a hybrid role; Hybrid colleagues work a mix of in-office and virtual days, coming into the office 1-3 days per week on average. Leaders and colleagues will plan common days for in-person connection, collaboration, and events.
The Team
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, as part of our Credit & Fraud Risk team within our overall Risk & Analytics talent segment, you’ll 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’ll have the opportunity to drive your own career.
Find your place in risk and analytics on #TeamAmex.
The Role
This Vice President will lead the team and be responsible for a notable share of the Global Merchant and Network Services (GMNS) portfolio. This role leads the end-to-end management of merchant risk with the strategic merchants in the Americas with material exposure to the travel related industries.
The successful candidate will lead a large, globally distributed team working on an exciting growth area for American Express. Furthermore, this team will collaborate with the larger credit and fraud risk organization, product management, finance, acquisition, customer marketing, legal, compliance and technology. This role will report into the Chief Credit Officer of Global GMNS Risk with excellent visibility to Senior Leadership.
Additionally, a successful candidate will demonstrate the ability to be a hands-on leader who can delve deep into the policies, operational processes, analytics, credit analysis, contractual negotiations and mitigation outcomes with clients and partners. Furthermore, they will have excellent analytical capabilities and the ability to bring an innovative perspective to the strategic and operating requirements of the role.
Key Stakeholders
This team supports the success of the GMNS business unit, through innovative solutions that help enable profitable growth via acquisition while maintaining robust low tenure credit performance. At American Express, GMNS serves merchants, big and small around the world. American Express has a network that connects millions of consumers, merchants and businesses globally in a payments and commerce ecosystem.
Our GMNS Risk Management Team stands behind each of these purchases, thus protecting this network of millions of consumers, merchants and businesses. Our team makes this happen by leveraging advanced machine learning and network algorithms.
Key Responsibilities
A strong candidate will be a team player who leads by example. Furthermore, this person should enjoy a dynamic environment with the ability to influence colleagues from partner organizations despite conflicting priorities.
The incumbent’s key responsibilities will include but are not limited to:
- Leading the Americas large exposure management team which entails hands on monitoring of the portfolio, driving mitigation strategies and evolving the policies, process and capabilities required to support this effort.
- Working closely with partners in merchant acquisition, client management, commercial credit risk, operations, and oversight on the management of the portfolios and client specific initiatives.
- Lead, engage and inspire a team of high performing risk management professionals.
- Actively participate and support risk committee reporting and updates along with the management of oversight and compliance issues.
- Engage with our largest and most important merchants through periodic diligence and reviews, as well as drive risk mitigation outcomes with merchants.
- Provide frequent portfolio and merchant specific updates to senior management.
- Monitor and analyze new credit trends and perform analyses to inform risk management and business strategies.
- Work with and influence Product, Marketing, and Finance teams within the broader credit and fraud risk organization to design and implement critical initiatives that enable prudent and profitable growth while controlling for through-the-cycle volatility.
- Serve as a member of the risk senior leadership team and actively participate in identifying new business partners, conducting due diligence activities, assessing new deals, and collecting investment opportunities.
- Ensure control, compliance, and operational risk mitigation in all processes and design for a streamlined user experience across customer touch points.
- Drive deep-dive analytics and partner with the Decision Science team to enhance economic logic that supports core risk management decisions.
- 10+ years of experience in credit and fraud risk management
- Hands on commercial/corporate fundamental credit analysis experience
- Client facing experience related to underwriting, credit due diligence, contract negotiations and collections
- Extensive risk management expertise in relation to product management and development.
- Strong analytical and quantitative skills (PhD or Masters in an analytical field preferred)
- A strong balance of strategic and analytic acumen, with a high level of intellectual agility and capacity for original and innovative ideas
- Enjoys ambiguity and complexity, while handling a multitude of projects and relationships
- Ability to collaborate and influence partners effectively and to drive large scale cross-functional initiatives
- Excellent communication skills, including the ability to present to and work with senior management.
- Strong financial acumen and extensive experience in the financial industry
- Creative spirit to experiment, take risks, and learn
- Validated leader who can inspire vision in others
- Implements and manages change effectively
Depending on factors such as business unit requirements, the nature of the position, cost, and application laws, American Express may provide visa sponsorship for certain positions
Salary Range: $(phone number removed) to $(phone number removed) annually + bonus + equity (if applicable) + benefits
The above 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.
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.
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/Employees – Click here to view the “EEO is the Law” poster and supplement and the Pay Transparency Policy Statement.
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