Senior Analyst - Risk Management

Senior Analyst - Risk Management

• New York, NY, United States

• Phoenix, AZ, United States

(Hybrid)

Job Description

This position is part of a highly motivated and innovative US Credit / Debit Bureau Outbound Reporting Policy & Analytics team within the Credit and Fraud Risk organization. This team owns the strategy and policies that govern how US Consumer, Small Business, and Corporate accounts are reported to the consumer, commercial, and debit bureaus, among other priorities. The incumbent will have the exciting opportunity through analytics and strategic thinking to collaborate with colleagues across the enterprise to elevate the quality, governance, freshness, and efficiency of US outbound bureau reporting policies.

Responsibilities

• Generate data-driven insights into the US consumer credit and debit bureau reporting process, helping to identify and size potential gaps.

• Leverage external data analytical environment for competitor bureau-reporting analytics and benchmarking.

• Investigate individual customer complaints and escalations from a bureau reporting standpoint.

• Perform analytic work aimed at mitigating the volume of records being rejected by the bureaus.

• Assess and quantify opportunities to enhance bureau reporting process.

• Support testing and validation of bureau reporting process changes.

• Partner closely with cross-functional teams in Operational Bureau Governance, Risk Capabilities, and others within Credit and Fraud Risk.

Qualifications

• Bachelor’s degree in quantitative field (Business Analytics, MIS, Statistics); Master’s a plus.

• 2+ years of relevant analytics experience, preferably in the financial services industry.

• Self-starter with experience managing multiple tasks with tight deadlines.

• Proven ability to translate a problem/question into a clear, efficient analytic approach.

• Proven ability to summarize, visualize, and communicate data findings to a less technical audience.

• Excellent relationship-building and collaboration skills.

• Proficiency with SQL; experience with Hive or Python is a plus.

• Experience with data visualization is preferred.

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

At American Express, our culture is built on a 175-year history of innovation, shared values (https://www.americanexpress.com/en-us/company/who-we-are/) 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.

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 (https://www.americanexpress.com/en-us/colleagues/benefits) .

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 (https://www.eeoc.gov/poster) ” 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 26014421

• Job Category Risk

• Posting Date 09/28/2026, 01:05 PM

• Apply Before 10/05/2026, 04:00 AM

• Degree Level Bachelor's Degree

• Job Schedule Full time

• Job Shift Day

• Locations 18850 N 56th Street Building 1, Phoenix, AZ, 85054, US(Hybrid)

• Salary Range $78000 - $124750 annually + bonus + benefits

• Career Area Analytics & Risk Management

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