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Positions in Risk Management lead the development of credit, operational, enterprise, and fraud policies designed to profitably grow the portfolio, while ensuring excellent customer experience. These policies utilize mathematical models and other techniques to understand and predict customer behavior. At the Analyst level, the employee does not have a people leadership role but is often viewed as an emerging expert in the field. Focuses on resolution of complex problems. Conducts analyses, recommends changes to policies, and establishes procedures that affect immediate organization.
Smart Monitoring is a platform owned and managed by the Global Risk Compliance and it leverages high technology, automation, and data science to detect, predict and prevent risks. The Smart Monitoring Center of Excellence is a comprised of group of experts that leverage the Smart Monitoring platform to build and manage Key Risk Indicators (KRIs) that monitor risks across AXP, supporting Business Units and Staff Groups, Product Lines and Processes. Smart Monitoring Center of Excellence team supports the businesses with a mission to enable business growth and objectives while maintaining a strong control environment.
We are seeking a Sr Analyst to join this exciting opportunity to grow Smart Monitoring COE multi-folds in 2025. As a member of SM COE, the incumbent will be responsible for identifying opportunities to apply new and innovative ways to monitor risks through KRIs and execute appropriate strategies in partnership with Business, OE, Compliance, and other stakeholder teams.
Roles & Responsibilities:
•Lead the next-gen and transformation of control testing and monitoring – use automation, define key risk indicators (KRIs), and set thresholds for review or action for different risk types.
•Lead an analytical team providing guidance to design and build comprehensive and complete control testing using the Source of Origin and applying MECE (mutually exclusive and collectively exhaustive) approach. Also support data validation and contribute to creation of coding logic to build key risk indicators (KRIs).
•Partner closely with FLoD product/process owners to fully understand critical business processes, to identify risks and potential points of failure and prioritize automation opportunities.
•Partner closely with platform and capabilities teams to understand end -to-end data transfer and hand-off risks associated to process fulfillment and delivery of customer promises.
•Be a trusted advisor for key business stakeholders for matters related to the KRI/Smart Monitoring testing environment across their products and processes.
•Apply innovative concepts to measure and manage risk consistent with regulatory and governance requirements.
•Collaborate closely with First Line of Defense (FLoD) to understand business priority and execute against the prioritization roadmap for the testing automation strategy.
•Identify and escalate to senior leadership observations, high residual-risk areas, and emerging risk themes.
•Partner with Technology, Risk, Product Management, Compliance, and other key Subject Matter Experts on initiatives to ensure standards/deliverables are achieved.
•Exemplify strength in the American Express Leadership Model: set the agenda, bring others with you and do it the right way, and put enterprise thinking first.
Required Qualifications:
·Exceptional analytical skills. Experience in Google cloud platform will be a plus.
·Bachelor’s or master’s degree in business, Statistics, Mathematics, Computer Science, or Engineering disciplines.
·Qualitative/quantitative solutioning/problem solving in complex and unstructured environment.
We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.