Senior Analyst-Risk Management

Job ID: 26015374Posted: 2026-10-21Location: New York, NY, United StatesSalary: $78000 - $124750 annually + bonus + benefitsJob Function: Risk ManagementSchedule: Full timeShift: DayWorkplace: HybridCareer Area: Analytics & Risk ManagementCompany: American ExpressDescriptionThe Enterprise Data Strategy team, in Credit and Fraud Risk Management (CFR) is responsible for optimizing risk decisions through the lifecycle by identifying, testing and integrating internal data with external data assets. The team also responsible for accelerating the adoption of Artificial Intelligence and advanced analytics to drive smarter business decisions, operational excellence, and innovation across the Enterprise Data Strategy team. The team partners closely with Risk, Technology, Product, Data Science, Compliance, and Enterprise AI teams to identify, prioritize, develop, and scale AI-powered solutions that deliver measurable business value while ensuring responsible AI governance.The Analyst/Senior Analyst will be part of the Data Strategy & Analytics team dedicated to helping American Express leverage AI, advanced analytics, and data-driven insights to solve complex business challenges and transform risk management and data capabilities.ResponsibilitiesResponsibilities include:Support the development and execution of AI initiatives that enhance risk decisioning, operational efficiency, and customer experience across the enterprise.Partner with business stakeholders to identify high-value data use cases, define success metrics, and translate business needs into analytical solutions.Analyze large, complex datasets to generate actionable insights and identify opportunities using AI and advanced analytics applications.Develop dashboards, metrics, and reporting frameworks to measure data initiative performance, business impact, adoption, and operational effectiveness.Collaborate with Decision Science, Technology, Product Owners, and Enterprise AI teams to support the deployment and monitoring of ML and AI solutions.Evaluate emerging AI technologies, tools, and external partnerships to identify opportunities that strengthen business capabilities and innovation.Drive continuous improvement by identifying process automation opportunities using AI, predictive analytics, and intelligent workflow solutions.Communicate analytical findings and strategic recommendations to business leaders through clear presentations and executive-ready documentation.Work effectively in a dynamic, cross-functional, and global environment while managing multiple initiatives and priorities.QualificationsMinimum QualificationsAdvanced degree in Computer Science, Data Science, Statistics, Engineering, Mathematics, Business Analytics, artificial intelligence, or a quantitative field.3+ years of experience in analytics, data science, machine learning, strategy, risk management, or related disciplines.Excellent written and verbal communication skills with the ability to simplify complex technical concepts for business audiences (must have).Familiarity with machine learning techniques, predictive modeling, and Generative AI technologies, including large language models and prompt engineering concepts.Strong project management and stakeholder management skills with the ability to influence cross-functional teams (must have).Experience developing data visualizations and executive-level reporting using tools such as Tableau, Power BI, or similar platforms.Strong analytical and problem-solving skills with experience working with structured and unstructured data.Proficiency in Python and SQL, with experience using cloud-based analytics platforms and big data technologies.Ability to manage multiple priorities and deliver high-quality results in a fast-paced environment.Preferred QualificationsExperience with cloud platforms such as AWS, Azure, or Google Cloud and modern AI/ML development environments.Knowledge of Credit Card, Risk, Fraud, or Financial Services industries is preferred.Demonstrated curiosity and passion for emerging AI technologies and their practical business applications.Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions. About the TeamAt American Express, our culture is built on a 175-year history of innovation, shared values 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.