The Global Operational Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for identifying and managing risk across all processes and geographies at American Express.
The Analyst, Internal Fraud will be part of the GRC organization and will report to the Senior Manager, Internal Fraud Risk Management. The incumbent will be responsible for providing independent oversight of Internal Fraud risk and supporting the continued evolution and maturity of the Internal Fraud Risk Management Program.
This role will partner closely with first line teams, control partners, and senior stakeholders across geographies. We are seeking a motivated risk professional who can operate independently, apply sound judgment, and drive meaningful risk management improvements.
•Support the establishment and ongoing enhancement of the Internal Fraud Risk Management Program, including policies, standards, governance frameworks, roles & responsibilities, and program requirements.
•Perform independent oversight and provide effective challenge to first line through risk assessments, reviews, testing, and ongoing monitoring of People risk & Internal Fraud processes.
•Monitor metrics and develop comprehensive, insightful reporting on internal fraud risks across the enterprise for senior leadership.
•Identify emerging risks and recommend enhancements to controls, processes, and governance structures.
•Support regulatory engagement activities, including preparation for exams and coordination of responses related to internal fraud and safety & soundness regulations.
•Educate and influence first line teams across the enterprise on risk management programs, best practices, and expectations.
•Provide mentorship and guidance to junior team members and serve as a project or initiative lead when appropriate.
•0-2+ years of experience in fraud risk management, compliance, internal fraud investigations, operational risk, or a similar role.
•Strong analytical skills, including a proven ability to translate complex and disparate information into comprehensive and cohesive conclusions.
•Demonstrated ability to independently manage multiple priorities and drive initiatives to completion.
•Experience applying thought leadership and strategic thinking to enhance program maturity and effectiveness.
•Ability to identify issues, escalate key findings appropriately, and advise on practical, risk-based solutions.
•Strong stakeholder management skills, with experience interacting with senior leaders and cross-functional partners.
•Exceptional professional communication skills – clear, logical, structured, and tailored to the audience.
•Impeccable integrity required for handling confidential and sensitive information.
•Rigorous and analytical approach to problem-solving, decision-making, and prioritization.
•Professional certification (CFE, CAMS, FIC, etc.).
•Second line of defense (2LOD) risk management experience with a focus on internal fraud and/or insider threat.
•Experience leading risk assessments, control testing, or thematic reviews.
•Advanced analytical skills and experience working with large data sets.
