About this role
The Banking Onboarding FRAP team within Credit and Fraud Risk (CFR) is responsible for developing, optimizing, and managing identity theft controls at onboarding for Banking products, including Business Checking Account (BCA), Business Savings Account (BSA), Consumer Checking Account (CCA), and High Yield Savings Account (HYSA).
How will you make an impact in this role?
The Banking Credit & Fraud Risk team leads the first line of defense for credit and fraud risk across non-card banking products and channels. This individual contributor role will support the end-to-end strategy, control design, monitoring, and continuous optimization of onboarding identity theft controls while balancing fraud prevention, customer experience, regulatory expectations, and operational effectiveness.
- Analyze onboarding fraud trends, emerging identity theft patterns, and control performance to identify actionable strategy opportunities
- Translate fraud insights into clear business requirements, risk rules, operating procedures, and control enhancements
- Partner with Product, Technology, Compliance, Servicing, Operations, and second line risk teams to deliver effective and compliant fraud controls
- Monitor key fraud, customer experience, and operational metrics to ensure strategies remain effective and within risk appetite
- Support governance routines, documentation, issue identification, and timely escalation of emerging risks or control gaps
- Share insights and best practices across CFR and partner teams to strengthen identity theft risk management across the enterprise
To deliver these outcomes, this colleague will work independently and partner closely with Product, Compliance, Operational Excellence, Enterprise Banking Services, Technology, Servicing, and other stakeholder teams.
Minimum Qualifications
- 3+ years of experience in fraud risk management, risk strategy, banking or a related risk discipline.
- Experience with identity theft, synthetic identity, application fraud, account takeover, onboarding controls, or banking fraud typologies.
- 2+ years of experience working with data, analytics, strategy performance monitoring, or analytical project execution.
- Bachelor’s degree in Business, Statistics, Mathematics, Economics, Computer Science, Engineering, or equivalent work experience.
- Strong analytical and problem-solving skills, with the ability to synthesize large volumes of data and develop practical recommendations in complex, ambiguous environments.
- Ability to independently manage priorities, drive execution, and deliver high-quality work in a fast-paced, results-driven environment.
- Strong written and verbal communication skills, including the ability to explain complex risk issues clearly and influence cross-functional partners.
- High attention to detail and strong judgment in assessing risk, control effectiveness, customer impact, and governance requirements.
- Technical acumen with experience using SQL, Python, Hive, Big Data tools, automation, visualization, or similar analytical tools.
Preferred Qualifications
- Master’s degree in Business, Statistics, Mathematics, Economics, Computer Science, Engineering, or a related field.
- Experience developing or optimizing fraud decisioning strategies, risk rules, control frameworks, or operating procedures.
- Experience partnering with Product, Technology, Compliance, Legal, Operations, Servicing, or second line risk teams to deliver cross-functional risk capabilities.
- Experience working in a hybrid environment.
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.