Senior Manager, External Fraud Risk Oversight

The Global Risk & Compliance Organization (GRC) independently oversees the company's risk-taking and risk management activities, ensuring comprehensive identification, assessment, monitoring, and mitigation of risks within the Company's established risk appetite. GRC is responsible for maintaining a robust enterprise risk management framework while ensuring compliance with applicable regulatory requirements. Through strong partnerships across business units and functions, GRC enables sustainable business growth by fostering a culture of proactive risk management, sound governance, and regulatory excellence. Financial Risk Management (FRM), within GRC, is responsible for the independent oversight of Credit Risk, Model Risk, Market & Liquidity Risk, External Fraud Risk, Financial Crimes, and Decision Science & Analytics across all business units, products, processes, and geographies at American Express. We are seeking a Senior Manager, External Fraud Risk Oversight (Second Line of Defense) to join the Financial Risk Management organization. This role will provide independent oversight of the Company's external fraud risk profile, ensuring that fraud risks are effectively identified, measured, monitored, governed, and managed in alignment with the Company's risk appetite and regulatory expectations. The successful candidate will play a key role in shaping the enterprise external fraud risk oversight framework by providing effective challenge to First Line of Defense (1LOD) strategies, influencing senior stakeholders, and driving data-driven risk insights. This individual will partner closely with business leaders, technology teams, model governance, compliance, operational risk, and regulators to strengthen fraud risk governance, enhance oversight capabilities, and ensure emerging fraud risks are proactively addressed. This role requires expertise in fraud risk management, strong analytical and strategic thinking, excellent stakeholder management, and the ability to communicate complex risk themes effectively to senior leadership and governance committees. At American Express, our culture is built on a 175-year history of innovation, shared values [ 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 [ 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 [ poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: 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.