Senior Manager, Internal Fraud Risk Identification & Rules Design

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 **Senior Manager of Internal Fraud Risk Identification & Rules Design** plays a critical role in protecting American Express from insider-driven risks.

This leader is responsible for identifying emerging internal fraud threats, designing, implementing, and optimizing rules that detect and prevent insider-driven fraud across the enterprise, and ensuring strong alignment between analytics, operational execution, and rules strategy.
Reporting to the **Director of Internal Fraud Risk Identification & Rules Design** , this senior professional will leverage analytical expertise, business acumen, and technical proficiency to translate fraud intelligence into actionable detection strategies.

The ideal candidate has a strong background in fraud analytics, rule design, and control optimization — with a passion for protecting the integrity of American Express’s people, processes, and data.
**Key Responsibilities**
+ Conduct detailed analysis of insider-related fraud incidents, trends, and behaviors to identify emerging risks and control opportunities.
+ Use data-driven insights and behavioral analytics to uncover early indicators of internal fraud exposure.
+ Partner with Fraud Operations, Investigations, and Operational Risk teams to translate case findings into preventive rule logic.
+ Design and implement fraud detection rules within the internal monitoring environment to proactively identify suspicious activity.
+ Develop and test new rules and scenarios using advanced analytics and subject matter expertise.
+ Collaborate closely with the Internal Fraud Detection Analytics team to integrate analytical model outputs into rule design.
+ Optimize existing rules to improve precision, reduce false positives, and maintain operational efficiency.
+ Manage rule documentation, governance, and performance reporting consistent with enterprise risk standards.
+ Partner with the Director, Internal Fraud Risk Identification & Rules Design, to support the ongoing evolution of internal fraud detection strategies.
+ Collaborate with various teams to ensure timely and accurate rule implementation in production environments.
+ Work closely with 2LOD to ensure rules align with policy, regulatory, and control frameworks.
+ Provide subject matter expertise on internal fraud risk patterns, detection methods, and process design.
+ Stay current on emerging internal fraud trends, rule design techniques, and fraud prevention technologies.
+ Leverage automation, data visualization, and analytics to continuously refine detection logic.
+ Contribute to a culture of innovation and proactive risk management across the Internal Fraud 1LOD COE.
**Qualifications**
+ Bachelor’s degree in Business, Data Analytics, Risk Management, or related field required; Master’s preferred.
+ 5–10 years of experience in fraud risk management, rules development, or analytics, preferably in financial services or payments.
+ Demonstrated experience designing and implementing fraud detection rules or models in a production environment.
+ Strong understanding of internal fraud typologies, control design, and risk frameworks.
+ Advanced proficiency with analytical tools and query languages (SQL, SAS, Python, etc.).
+ Experience working with rule management systems, case management platforms, or decision engines.
+ Excellent analytical, problem-solving, and documentation skills with attention to accuracy and governance.
+ Ability to work effectively in a fast-paced, cross-functional environment with minimal supervision.
**Qualifications**
Salary Range: $89,250.00 to $150,250.00 annually bonus 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.
US Job Seekers - Click to view the “ Know Your Rights ” poster.

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-North Carolina-Charlotte
**Other Locations:** US-New York-New York
**Schedule** Full-time
**Req ID:** 25019484

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