American Express Careers

Campus Undergraduate - 2019 Credit & Fraud Risk - Full-Time Analyst

United States
Operations Risk Management

Job Description

American Express Campus Undergraduate – 2019 Credit and Fraud Risk Full-Time Analyst


Purposeful, ambitious, insatiable, analytical, collaborative and courageous are the hallmarks of our Credit and Fraud Risk team.

This critical team is responsible for managing enterprise risks through the customer life cycle and across all our global products. We develop industry-first data capabilities, build profitable decision frameworks, create machine-learning powered predictive models, and improve customer servicing strategies. This team has delivered industry-leading results year after year while enabling profitable growth and delivering a best-in-class customer experience.


This team is comprised of several diverse teams structured under four, core functions:


Credit Risk Strategy: Monitor portfolios and make profit-based risk decisions at all stages of the customer credit life cycle

Decision Science: Build predictive models using AI/Machine Learning for all portfolios and products

Fraud Risk Strategy: Develop fraud prevention strategies on behalf of our customers

Risk Capabilities: Develop capabilities to manage data and execute business strategies


What type of work can you expect to do in Credit and Fraud Risk at American Express?


Responsible for providing analytical support to enable billing, revenue growth and profitability through diverse analytical projects.

Expected to develop disciplined monitoring of credit and fraud risk metrics at the portfolio level as well as across the customer life cycle such as underwriting, customer management etc. and perform root cause analyses of concerning trends and identify performance drivers.

Integrating new data sources and capabilities to drive key business decisions

Collaborating with multiple partners including finance and functional teams such as new accounts, customer management. 

They will work with colleagues to design and implement risk control strategies based on statistical, financial and economic analysis 


We have the know-how, creative platform, and global reach to make nearly any idea a reality. Do these describe you?



Bachelor’s degree from a top tier university with high GPA and a degree in finance, accounting, economics, engineering or statistics

0-2 years’ experience in credit risk at a financial institution. More than 2 years of relevant experience for Senior Analyst’s role

Strong analytical and decisioning skills – must have the ability to compile, analyze, research, and link complex issues

Demonstrated ability to work effectively in high pressure situations and handle multiple priority assignments simultaneously

Must be a self-starter

Proven team skills including the ability to work effectively across geographical boundaries – must have proven collaborative skills, and flexibility to adapt to a dynamic environment

Excellent communication skills, both written and verbal with the ability to effectively communicate at all levels

Willingness to learn and master new systems

Knowledge of MS Office applications required

SQL skills or other programming experience preferred


Life at American Express

American Express is known for backing our customers to help them achieve their goals and dreams, both big and small. At American Express, we’re changing the way people live and work through meaningful projects with real-world impact. When you join our team you can make a difference by improving the everyday lives of customers around the world.


Growing great leaders is one of the things that sets American Express apart. Every employee has the opportunity—and is encouraged—to take their personal leadership to the next level through a wide variety of leadership and learning programs.


Our employees and their families feel supported at every stage of their lives. We provide resources and benefits that help support their physical, financial and emotional well-being, such as our award-winning global corporate wellness program, Healthy Living, and many others including: 20 weeks of Paid Parental Leave, Health (dental and vision) and Life Insurance, Tuition Reimbursement, 401k with match. Some of our roles even offer flexible work arrangements so you can work how it makes sense for you, without ever compromising quality.


Creating an inclusive culture is both a part of who we are and what we do together. We value and embrace the diversity of thought, backgrounds and experiences of all our employees. Through our 15 Colleague Networks, participants can broaden their associations with other employees while expanding their knowledge of the business. American Express is a place where being yourself matters. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.


Why Work at American Express?

There’s a difference between having a job and making a difference.


American Express has been making a difference in people’s lives for over 160 years, backing them in moments big and small, granting access, tools, and resources to take on their biggest challenges and reap the greatest rewards.


We’ve also made a difference in the lives of our people, providing a culture of learning and collaboration, and helping them with what they need to succeed and thrive. We have their backs as they grow their skills, conquer new challenges, or even take time to spend with their family or community. And when they’re ready to take on a new career path, we’re right there with them, giving them the guidance and momentum into the best future they envision.


Because we believe that the best way to back our customers is to back our people.


The powerful backing of American Express.

Don’t make a difference without it.

Don’t live life without it.


Learn more about our opportunities at American Express by visiting

With a job at American Express, almost anything is possible. Apply now!

Our team will review completed applications on a rolling basis. We appreciate your patience while we consider your application and will be in contact with you by April 30th.

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

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status, disability status, or any other status protected by law.

Click here to view the "EEO is the Law" poster and supplement and the Pay Transparency Policy Statement.

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Tags: USUndergrad
ReqID: 18014406
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Oct 22, 2018, 5:24:11 PM