Senior Associate-Digital Product Management

Credit and Fraud Risk (CFR) helps drive profitable business growth by reducing credit and fraud risk while maintaining customers' confidence in the security of American Express products. The Digital Risk Products & Data Strategy organization builds digital software products that support risk decisions across the customer lifecycle, including onboarding, authorizations and servicing.

The Senior Associate, Digital Product Management will serve as a Product Analyst supporting the Product Owner in the execution of fraud risk assessment and authentication capabilities. The role will work day-to-day with Engineering, Fraud Risk, Product, Data/Analytics and other partners to convert business and risk needs into well-defined, testable software requirements and to help move work from discovery through development, testing, launch and post-production monitoring.

This role is execution-oriented. It requires strong product analysis, requirements management, Agile delivery and technical collaboration skills, with enough understanding of authentication and fraud-risk concepts to connect business intent to engineering implementation. Exposure to emerging AI- or agent-enabled commerce is helpful but is not the primary focus of the role.

Minimum Qualifications

- 2+ years of experience in digital product development, product analysis, business analysis, risk technology, payments, authentication, fraud technology or a related field.
- Experience gathering/documenting requirements and supporting software delivery through development, testing and launch.
- Ability to drive project deliverables, work effectively in cross-functional teams and operate independently on sophisticated or unstructured initiatives.
- Strong analytical, structured problem-solving, communication and interpersonal skills.
- Customer-centered mindset and ability to partner with business and technology teams.
- Working knowledge of Agile/Scrum practices and iterative product development.
- Working knowledge of SQL and Microsoft Excel/PowerPoint; exposure to Java, Python, SAS, Hive, low-code/rule-authoring tools or similar technologies is a plus.
- Bachelor's degree in a relevant field or equivalent professional experience.

Preferred Qualifications

- Experience supporting a Product Owner or Product Manager and working directly with software engineering and QA teams.
- Exposure to card payments, authorizations, e-commerce, digital identity, payment authentication, fraud prevention, account security or real-time risk decisioning.
- Experience with APIs, data mapping, process modeling, rule-authoring platforms, prototyping, testing or production monitoring.
- Familiarity with risk-based authentication, device or behavioral signals, identity federation, credentials/tokens or related authentication concepts.
- Exposure to AI-enabled commerce or machine-to-machine interactions is helpful but not required.
- Master's degree in a technical, quantitative, business or related field is a plus.

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