Mgr-Digital Product Mgmt

Job ID: 26012712Posted: 2026-08-27Location: Phoenix, AZ, United StatesSalary: $103750 - $174750 annually + bonus + benefitsJob Function: ProductSchedule: Full timeShift: DayWorkplace: HybridCareer Area: ProductCompany: American ExpressDescriptionAmex’s Risk Management capabilities are at the core of delivering the superior customer experience while managing credit and fraud losses at lowest levels in the industry. With our mix of assets like closed-loop data, machine learning models, underwriting techniques on a modern technology stack we are re-imagining how payment experiences & risk management converge in a more modern, digital and connected world. In order to deliver on the vision, the Risk Products & Data Strategy (RPDS) team is driving the roadmap for modernizing risk platforms while enabling new business capabilities. Modernizing the Authorizations platform is a key strategic imperative to uplift an aging infrastructure and provide new capabilities to enable rapid innovation and growth.ResponsibilitiesThis role combines the responsibilities of a Product Manager and a Product Owner.The Product Manager leads transformation of risk systems, plays a central role in detailing the blueprint, and works in close partnership with stakeholders in RPDS, as well as external experts, to arrive at the best design/solution and oversee its execution. This is a stakeholder facing role that is responsible for process vision and roadmap, customer experience, business architecture, capturing and grooming requirements, prioritization, status tracking and reporting, adefining process SLAs and controls.The RPDS Product Owner team is responsible for owning the fraud and risk aspects of new product launches and updates to current offerings. To accomplish this, the RPDS Product Owner team partners with Global Risk Technologies as well as the Product teams, Strategy partners, and Enterprise Architects (Data/Enterprise/Technical), and works with managers and directors to design solutions and strategies using predictive models and strategies for Amex Card and Non-Card products. They collaborate with partners on other Risk teams, Marketing, Finance, Global Servicing Network, Legal/Compliance, Banking, and Technology to create world-class analytical capabilities and solutions to minimize credit and fraud risk and improve customer experience.QualificationsMinimum Qualifications:Deep and broad expertise in consumer or commercial risk management encompassing knowledge of processes and systemsAbility to build strong relationships, operate effectively within large cross-functional teams, and influence business partners to drive transformational changeAbility to communicate and interact effectively with internal and external stakeholders at all levelsDemonstrated ability to think outside the box and design industry leading solutionsUnderstanding of Scaled Agile (SAFe) principles and experience effectively managing a backlog of competing initiatives desirableKnowledge of fraud authorization, credit bureau, decision science models or experience in another core fraud risk management function and/or knowledge of Amex data and risk technology platforms preferredHigh degree of organization, individual initiative and personal accountabilityAn ability to solve complex problems and a highly analytical approachRisk Capabilities experience is highly desiredBachelor’s degree in computer science/technology/engineering/business management or related field is mandatoryPreferred Qualifications:2-4 years of product management/ownership or product development experience developing fraud management products A strong product mindset, proactive communication and a collaborative spirit.Excellent communication skills with the ability to engage, influence, and inspire partners to drive collaboration and alignmentMaster’s Degree (or comparable experience) in management, computer science, engineering or a related discipline is ideal“Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain 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.