JOB DESCRIPTION

Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.

This Associate Product Manager role will support the RPDS Merchant Onboarding transformation initiative and assist in execution of the product vision and roadmap for next-generation Merchant capabilities within American Express.

The role is stakeholder-facing and will partner closely with senior Product Managers and cross-functional teams to support business process analysis, customer experience enhancements, requirements documentation and grooming, prioritization tracking, status reporting, and coordination of delivery activities across multiple workstreams.

The incumbent will assist in transformation efforts across risk systems and onboarding capabilities by helping drive day-to-day program execution, documenting business and functional requirements, supporting UAT and implementation activities, tracking dependencies and risks, and coordinating with stakeholders across Credit Risk, Fraud Risk, Technology, Strategy, Servicing, and external partners.

This role is ideal for a candidate who is detail-oriented, highly organized, collaborative, and interested in developing product management expertise within large-scale enterprise transformation programs.

RESPONSIBILITIES

• Support Product Managers and business stakeholders in execution of the product roadmap and delivery of Merchant Onboarding capabilities.
• Partner with cross-functional teams across Credit and Fraud Risk to assist with requirements gathering, documentation, solution discussions, and coordination of implementation activities.
• Engage with business and technology teams to understand current processes, future enhancement opportunities, and operational needs.
• Assist in maintaining and grooming the product backlog, including documenting features, tracking priorities, and supporting agile delivery processes in partnership with Product and Technology teams.
• Support tracking and resolution of project risks, issues, dependencies, and change requests across multiple workstreams.
• Help coordinate end-to-end customer experience and operational process enhancements that support risk management decisions and scalable enterprise solutions.
• Partner with Risk Capabilities and Technology teams to support deployment and testing of next-generation risk capabilities and onboarding functionality.
• Assist with UAT coordination, test case tracking, implementation readiness activities, and status reporting for business stakeholders and leadership teams.
• Coordinate with teams across geographies and Business Units to support alignment of business goals, requirements, and delivery milestones.
• Prepare project documentation, meeting summaries, action item tracking, and executive status updates to support ongoing program governance and communication.

QUALIFICATIONS

Required Qualifications:

• Strong organizational and analytical skills with the ability to support delivery of product and project initiatives in a fast-paced environment.
• Interest in product management, customer experience, and digital transformation initiatives.
• Ability to manage multiple priorities, track action items, and follow through on deliverables with attention to detail.
• Strong verbal and written communication skills with the ability to collaborate effectively across business and technology teams.
• Ability to build collaborative working relationships within cross-functional teams and support coordination across multiple stakeholders.
• Comfortable working in an environment with evolving priorities and business needs.
• Problem-solving mindset with willingness to learn new processes, systems, and risk management concepts.
• Familiarity with Agile or Scaled Agile (SAFe) delivery methodologies preferred.

Exposure to financial services, payments, risk management, fraud, onboarding, or digital product environments preferred.

• Experience supporting requirements gathering, testing, project coordination, business analysis, or product delivery activities preferred.
• Bachelor’s degree in business, technology, analytics, engineering, or a related field preferred.
• 1-3 years of experience in product management, business analysis, project management, consulting, technology, operations, or related roles preferred.

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

ABOUT US

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

ABOUT THE TEAM

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 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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The below 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.