Senior Manager, Internal Fraud Rules Development

JOB DESCRIPTION

The Senior Manager, Internal Fraud Rules Development plays a key role within American Express’s 1LOD Internal Fraud Center of Excellence (COE), responsible for designing, implementing, and optimizing rules that detect and prevent internal fraud.

Reporting to the Vice President of Detection, Reporting, and QA for Internal Fraud, this role develops fraud detection rules, ensuring high performance, strong governance, and alignment with enterprise risk objectives. The Senior Manager will collaborate closely with partners across Fraud Analytics, Investigations, Technology, and Operational Risk to maintain proactive and effective defenses against internal fraud.

RESPONSIBILITIES

• Lead the design, development, testing, and implementation of rules to detect internal fraud activity across American Express business units and systems.
• Collaborate with risk identification and detection analytics peers to develop internal fraud rules, including production deployment and monitoring.
• Translate internal fraud typologies, control gaps, and behavioral patterns into actionable detection logic.
• Partner with the Internal Fraud Analytics team to incorporate model outputs, risk indicators, and anomaly detection insights into rules.
• Monitor rule performance, identify tuning opportunities, and drive continuous improvement to maximize precision and minimize false positives.
• Ensure all rules adhere to enterprise governance, documentation, and control standards.
• Maintain audit-ready records of rule design, performance metrics, and business justification.
• Implement, test, and maintain rules within fraud detection platforms.
• Work closely with peer teams across Fraud Risk Identification, Detection Analytics, and 2LOD Risk to ensure holistic internal fraud coverage, validate rules effectiveness and adapt to emerging risks.
• Stay current on emerging internal fraud trends, detection technologies, and rules engine capabilities.
• Identify opportunities to enhance automation and efficiency in rule management processes.
• Contribute to the evolution of the Internal Fraud COE’s strategy by sharing insights, best practices, and innovation ideas.

QUALIFICATIONS

• Bachelor’s degree in Business, Risk Management, Data Analytics, or related field required; Master’s preferred.
• 7+ years of experience in fraud risk management, rules strategy, or analytics - preferably within financial services or payments.
• Demonstrated success designing and managing fraud detection rules in a complex operational or digital environment.
• Experience managing or mentoring analysts preferred. - Strong proficiency in data analysis and rule design using tools such as SQL, SAS, or Python.
• Familiarity with rule management platforms, decision engines, and case management systems.
• Solid understanding of fraud typologies, internal control frameworks, and insider threat detection methods.
• Ability to synthesize large datasets into clear, actionable detection logic.
• Knowledge of fraud data environments and production rule deployment processes.
• Strategic thinker with strong execution discipline and attention to detail.
• Collaborative partner who builds strong relationships across analytical, risk, and technology functions.
• Skilled communicator who can translate technical concepts into business context for senior stakeholders.
• Demonstrated ability to balance operational efficiency with risk mitigation effectiveness.

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for this positions.