Director, Internal Fraud Detection Analytics

Job description

**Description**
At 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.

As part of Team Amex, you'll experience this 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.
**Position Overview**
The Director of Internal Fraud Detection Analytics leads the analytical engine that powers our internal fraud prevention strategies — designing, testing, and optimizing advanced analytical solutions to detect insider-driven risk behaviors in real time.
Reporting to the Vice President of Internal Fraud Rules Strategy, this leader will oversee a team of data scientists and fraud analytics professionals dedicated to building scalable detection models and intelligence capabilities.

This role will translate analytical insights into actionable detection strategies, fueling the continuous evolution of our enterprise fraud control ecosystem.
**Key Responsibilities**
+ Lead the design, development, and deployment of advanced analytical models to detect internal fraud across the enterprise, leveraging transactional, behavioral, and operational data sources.
+ Develop AI/ML–based tools, anomaly detection algorithms, and pattern-recognition frameworks to uncover early indicators of insider threat activity.
+ Embed analytics solutions into production systems and ensure scalability, accuracy, and real-time performance.
+ Champion analytical experimentation — from hypothesis development to model validation — to continuously enhance detection precision and reduce false positives.
+ Work closely with the Director of Risk Identification and Rules Design to translate analytical findings into optimized rule logic and strategic interventions.
+ Collaborate with partners across Enterprise Risk, Operational Risk, Compliance, and Investigations to inform and refine detection priorities.
+ Serve as an analytical thought leader in conversations about data integrity, risk model governance, and technology innovation.
+ Drive analytical transparency by developing dashboards and KPI frameworks that communicate insights to senior leaders and risk committees.
+ Build, lead, and inspire a high-performing team of data scientists and analysts focused on insider fraud analytics.
+ Foster a culture of curiosity, innovation, and disciplined execution, consistent with American Express leadership behaviors.
+ Partner with enterprise data and AI teams to explore emerging analytical techniques and data sources relevant to internal fraud detection.
+ Drive automation and analytical efficiency by modernizing processes, enhancing model governance, and reducing time to insight.
+ Ensure compliance with enterprise data governance, model risk management, and regulatory standards in all analytical development.
**Minimum Qualifications**
+ Bachelor’s degree in Data Science, Statistics, Computer Science, or related field required; Master’s preferred.
+ 10 years of experience in fraud analytics, data science, or risk modeling, with at least 5 years in a leadership role.
+ Proven expertise building and deploying analytical models in a production environment, ideally within financial services or payments.
+ Proficiency with analytical programming languages (Python, R, SQL, SAS) and familiarity with distributed data environments (e.g., Hadoop, Spark, AWS).
+ Strong foundation in supervised and unsupervised machine learning techniques, anomaly detection, and behavioral analytics.
+ Experience using visualization and BI tools (Tableau, Power BI) to translate analytics into business insight.
+ Understanding of fraud risk management, insider threat detection, and enterprise control frameworks.
**Qualifications**
Salary Range: $123,000.00 to $215,250.00 annually bonus equity (if applicable) benefits
The above represents the expected salary range for this job requisition.

Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.
We back you with benefits that support your holistic well-being so you can be and deliver your best.

This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
+ Competitive base salaries
+ Bonus incentives
+ 6% Company Match on retirement savings plan
+ Free financial coaching and financial well-being support
+ Comprehensive medical, dental, vision, life insurance, and disability benefits
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
+ 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
For a full list of Team Amex benefits, visit our Colleague Benefits Site .
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.

American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.

For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
We back our colleagues with the support they need to thrive, professionally and personally.

That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture.

Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
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If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster
Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for this position
**Job:** Operations
**Primary Location:** US-Arizona-Phoenix
**Other Locations:** US-North Carolina-Charlotte, US-New York-New York
**Schedule** Full-time
**Req ID:** 25019453

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