Analyst Detection Operations Internal Fraud

At 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 this 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.

How will you make an impact in this role?

The Analyst, Detection Operations supports the daily execution of the Internal Fraud Center of Excellence (IFCOE) alert review and referral processes. Reporting to the Director of Detection Operations, responsible for reviewing alerts and identifying potential incidents of internal fraud, misconduct, or policy violations. This individual conducts preliminary assessments of alerts, business referrals, and data-driven findings by following established procedures to determine appropriate escalation or referral for investigation. This role ensures timely, accurate, and confidential handling of sensitive information and contributes to protecting the organization’s reputation, and compliance posture.

Key Responsibilities:

• Review and analyze potential internal fraud incidents identified through monitoring reports and business referrals
• Conduct initial assessments to determine credibility, severity, and appropriate escalation and or referral paths
• Prepare clear and well documented alert summaries and supporting materials for referral to investigations
• Maintain accurate case records in accordance with internal policies, regulatory requirements, and quality standards
• Follow established processes to ensure timely handling and escalation of high-risk alerts
• Identify trends or patterns and share observations to support proper handling and resolution of alerts
• Ensure strict confidentiality and objectivity when handling sensitive colleague related matters
• Support continuous improvement of fraud detection and referral processes
• Assist in meeting operational targets, including service level adherence and timely escalation of high-risk incidents
• Support implementation of new rules, thresholds, or monitoring enhancements as directed by leadership

Qualifications:

• History of high performance with demonstrated adaptability to excel in a fast-paced environment, adjust to shifting priorities and manage others through change
• Bachelor’s degree or equivalent experience in Risk Management, Compliance, or related field
• 5+ years of experience in fraud operations, risk, compliance, or investigative support roles
• Ability to effectively prioritize tasks and maintain focus on high-impact, critical issues
• Strong written and verbal communication skills
• Collaborative mindset with the ability to work effectively in a team environment
• Strong problem solver with the ability to use analytical methods to affect change
• Effective organizational skills (including attention to detail) along with the ability to collaborate and influence in a matrixed environment
• Strong understanding of fraud monitoring tools, insider threat detection and case management systems
• Strong knowledge of internal fraud typologies and insider risk behaviors
• Experience with operational KPIs, back-office case and SLA management.

GUARDIAN

Salary Range: $65,500.00 to $102,500.00 annually + bonus + benefits

The above 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.

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, but not limited to, 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.

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