Manager - Audit, Credit and Fraud

Job ID: 26011586Posted: 2026-08-27Location: New York, NY, United States; Salt Lake City, UT, United StatesSalary: $89250 - $150250 annually + bonus + benefitsJob Function: Internal AuditSchedule: Full timeWorkplace: HybridCareer Area: Corporate FunctionsCompany: American ExpressDescriptionOur Internal Audit Group is a worldwide function with 400+ team members and offices across nine countries within American Express. Our mission is to protect and enhance organizational value by providing independent, objective, risk-based assurance, advisory services and to influence the way the company manages risk.We are committed to growing our audit staff significantly as we continue to expand and enhance the Internal Audit Group. Our assurance and risk professionals have diverse backgrounds including internal controls, consumer compliance, technology, operational risk, financial accounting, data analytics, and banking operations. Our audit teams align to key risk areas and business units to ensure IAG can provide comprehensive and risk-based audit coverage. In addition, IAG has a Professional Practices group responsible for managing audit operations, quality, and standards; regulatory relations; reporting; training and professional development; and key internal capabilities and technologies. About the Role This manager role and will support the Internal Audit Group’s Credit and Fraud Risk coverage across American Express. The colleague will lead risk-based audits, applying credit and fraud risk knowledge throughout audit planning, execution, reporting, and issue validation. ResponsibilitiesServe as Auditor in Charge (AIC) on audits, managing the audit engagement end-to-end, planning audit projects, defining objectives and scope, and coordinating with control groups, external auditors, stakeholders, and regulators to ensure effective execution; conduct L1 reviews; serve as the primary audit client contactAnalyze / review audit results and documentation to evaluate effectiveness and efficiency, synthesizing audit findingsLead audit client meetings and walkthroughsDevelop test steps, audit findings, and the audit report in accordance with IAG policies and proceduresGuide team on how to validate whether corrective actions / Management Action Plans (MAPs) are impactful, sustainable, and improve the control environment of the business unitSupport business monitoring activities with audit leadership, tracking key metrics to identify control issues and trends; stay up to date with evolving industry trends, external news and regulatory changes, and analyze the impact to the business Delegate tasks to team members; guide auditors in assessing risks, evaluating control design, and executing audit tests; review and provide feedback on work papersEffectively coach, teach, mentor, and develop less experienced colleagues and co-sourced resources in geographically diverse locations across all aspects of their role, the audit and analytic lifecycle, audit methodology and best practicesConduct post-audit feedback discussions with audit team members to provide actionable feedback, support development, and recognize accomplishments Guide team to proactively and routinely communicate task status, roadblocks, challenges, suggesting potential solutions to the team QualificationsMinimum Qualifications5+ years of audit experience Prior experience working at a Big Four / G-SIBUnderstanding of credit and/or fraud risk management frameworks, including governance, risk assessments, monitoring, underwriting and customer management, fraud prevention and detection, issue management, and reporting.Understanding of risks associated with consumer, commercial, or small business lending credit lifecycle including underwriting, customer management, and collections, first party and victim fraud, cyber-enabled fraud, or other related credit and fraud risks across products, channels, and customer interactions.Demonstrates strong written and verbal communication skills to deliver deliverables with quality, and actionable value-add feedback to management on issues, opportunity areas, and deficiency solutions Effectively leads a team in a fast-paced environment to drive business results, utilizing related project management skills, employing creative thinking, and the ability to work on competing priorities Applies critical thinking to break-down complex problems into components, and solve using data analysis, process, risk control knowledge, and experience to drive risk-based conclusions and decisionsApplies control theory and professional auditing practices throughout the audit lifecycleUnderstands regulations, regulatory risks, accounting, and financial industry best practices relevant to the business, including emerging technology and data considerations, and incorporates into the audit approach to enhance outcomes.Preferred QualificationsExperience in Internal Audit, Credit Risk Management, Fraud Risk Management, Risk Management, Operational Risk, Compliance, or a related control function within the financial services industry.Understanding of regulations and industry guidance applicable to credit or fraud risk management, including FCRA, ECOA, BSA, PSD2, or comparable international regulatory frameworks.Experience of external fraud risks, including payment fraud, account takeover, phishing, cyber-enabled fraud, identity theft, or other emerging fraud threats.Experience with credit or fraud risk management programs, including credit underwriting, portfolio monitoring, credit risk assessments, collections, financial relief programs, fraud prevention and detection, fraud investigations, fraud response, or counterparty credit riskExperience with data analytic tools, data visualization, key risk indicators (KRIs), key performance indicators (KPIs), information systems / technology, and scorecards / dashboards, etc.Interest in working with data, interpreting results, analytic best practices and experience with data analytics tools and data visualization.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.