JOB DESCRIPTION

The Risk Products and Data Strategy (RPDS) team is an integrated organization that brings risk strategies to life by enabling customer-focused capabilities. Our team is transforming the company with the next generation of credit and fraud risk capabilities.

This Associate/Sr Associate role will play a key part in supporting Project NOVA and the evolution of new account digital onboarding capabilities. The position will help drive process design, business requirements, stakeholder coordination, and execution support for onboarding initiatives across risk, product, and technology teams. This role is ideal for someone who can connect business needs with practical solutions, improve customer and operational journeys, and help deliver scalable onboarding capabilities.

This is a stakeholder-facing role responsible for supporting process vision, customer experience improvements, business requirements, prioritization support, status tracking, reporting, process controls, and testing coordination. The incumbent will contribute to the transformation of onboarding-related risk systems and work in close partnership with stakeholders across Credit and Fraud Risk, Product, Technology, EAPP, and other business teams to help deliver effective and scalable solutions.

RESPONSIBILITIES

• Translate business needs and stakeholder inputs into clear requirements and actionable onboarding solutions.
• Collaborate with cross-functional partners across Credit and Fraud Risk, Product, Technology, Operations, EAPP, and related teams to support onboarding initiatives and future-state process improvements.
• Capture, analyze, and document business requirements, process flows, user stories, and acceptance criteria.
• Support requirement readiness for development, initial solution design discussions, prioritization, and dependency tracking.
• Help enhance end-to-end onboarding processes that support risk management decisions while improving efficiency, scalability, and customer experience.
• Partner closely with Risk Capabilities and Technology teams to support deployment of onboarding enhancements and next-generation capabilities.
• Coordinate and support testing activities including UAT, end-to-end, and regression testing.
• Track project status, risks, action items, and key milestones, and provide updates to stakeholders and leadership.
• Perform ad hoc analysis and reporting to support capability development, performance measurement, and process improvement.

QUALIFICATIONS

Required Qualifications

• 2+ Years of experience in business analysis, product support, onboarding, risk, operations, or process improvement roles.
• Bachelor's Degree Required, Advance Degree in Business, Finance, Engineering, Statistics, Computer Science or related field preferred.
• Strong understanding of business processes and ability to gather, organize, and translate requirements into clear documentation.
• Ability to build strong relationships, work effectively across cross-functional teams, and influence partners to drive progress.
• Strong written and verbal communication skills with the ability to interact effectively with stakeholders at multiple levels.
• Analytical mindset with strong problem-solving skills and attention to detail.
• Experience supporting initiatives in Agile or similar delivery environments.
• Ability to manage multiple priorities in a fast-paced environment.

Preferred Qualifications

• Experience in financial services, new account onboarding, or credit/risk-related processes.
• Familiarity with customer journey mapping, process design, and operational workflow improvements.
• Understanding of Scaled Agile (SAFe) principles and backlog or requirement management.
• Knowledge of credit risk policies, credit bureau processes, decisioning systems, or onboarding platforms 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.