Credit Specialist BO

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

How will you make an impact in this role?

This position is responsible for reviewing accounts to determine if the CM has set up an account with an intention to defraud American Express. This is accomplished by reviewing account and Card member information such as; charge activity, payments, Credit Bureau information, Dunn & Bradstreet information, Lexis Nexis and Service Establishment information, and WCC history notes and then making an analysis as to the risk to American Express. To carry out these reviews with the highest levels of professionalism & service that maintains the brand whilst protecting shareholder losses.

• Report analysis results
• Identify potential process improvement initiatives
• Understanding of credit card financial principles
• Comfortable managing multiple credit system platforms
• Ability to learn a wide variety of technical and business skills
• Excellent interpersonal skills; communication (verbal & written) and listening
• Quick Thinking Ability
• Flexible to work in a 24/7 shift environment Including Saturday & Sunday working
• Credit/Collections experience is desirable but not essential

Minimum Qualifications:

• Strong interpersonal, communication and listening skills
• Comfortable with 24/7 shifts
• Demonstrated ability to effectively work high-risk accounts that are referred via Fraud Risk case set-ups
• Ability to evaluate American Express Consumer and Corporate account data to make a business decision as to the risk level of the account pertaining to charge detail, Service Establishment information, and payment detail
• Ability to evaluate CM’s financial data to make a business decision as to the risk level involved post data inputs from Credit Bureau
• Proven analytical and problem-solving skills with a strong attention to detail
• Demonstrated dependability/self-motivating skills
• Change Management Ability
• Demonstrated ability to work effectively within a team environment as well as independently

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:

• Competitive base salaries 
• Bonus incentives 
• Support for financial-well-being and retirement 
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) 
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need 
• Generous paid parental leave policies (depending on your location) 
• 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

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.