Job Responsibilities: Senior Analyst 

Salary: $20-$30/Hour

Company: American Express

Location: Albany, USA

Educational Requirements:  Bachelor’s Degree

You Lead the way. We’ve got Your back.

At American Express, we know that with the right backing, humans and companies have the energy to progress in great ways.  Whether we’re supporting our clients’ economic confidence to move ahead, taking commerce to new heights, or encouraging people to discover the arena, our colleagues are constantly redefining what’s feasible - and we’re proud to again each different every step of the way. Whilst you be a part of #TeamAmex, you end up part of a various community of over 60,000 colleagues, all with a common intention to supply a notable purchaser enjoy each day.

Unleash your skills to outline the future of ways we serve our clients.

How we serve our customers is constantly evolving and is a project we gladly take delivery of. Whether or not you’re locating new ways to prevent identity fraud or enabling customers to start a brand new commercial enterprise, you have a platform to become aware of insights and actions which could have a meaningful impact on our customers and our commercial enterprise. And, with the possibility to study leaders who've defined the path of our industry, you could develop your career and define your path.

This vital group is accountable for coping with agency dangers via the patron lifecycle and across all our international merchandise. We broaden industry-first facts abilities, build worthwhile choice-making frameworks, create device-gaining knowledge of-powered predictive models, and enhance purchaser servicing techniques. This team has delivered industry-main consequences 12 months after yr while enabling a profitable boom and handing over a pleasant-in-elegance consumer enjoy.

This team is structured underneath four core features:

• Credit score threat method: reveal credit portfolios and optimize profit-based totally hazard management choices at all levels of the client credit lifecycle
• Fraud risk approach: broaden fraud prevention techniques on behalf of our clients

You will paint in a rather dynamic and interesting environment and could have the possibility to shape techniques and rules for American-specific services and products. You'll play an influential position operating carefully with colleagues in other danger control teams, advertising, and marketing, Finance, Servicing, criminal, Compliance, Banking, and generation to create world-magnificence strategies and capabilities.

The key obligations for colleagues in a credit score or Fraud danger approach encompass:

• Expand and constantly decorate policies, procedures, and controls for mitigating credit hazard publicity and stopping fraud
• Behavior quantitative evaluation to determine the thresholds within which consumers and corporations can get the right of entry to funds (for instance: who is approved for a card, how plenty credit score lines they receive, and after they swipe their card, is their transaction authorized?)
• Layout consumer communication and servicing strategies to guide threat control techniques, making sure a nice revel in across each patron touchpoint
• Identify, compare, and integrate new facts sources, and skills into decision-making
• Analyze huge volumes of information to pick out emerging credit tendencies and discover new fraud patterns
• Companion with other groups throughout the enterprise to standardize methodologies
• Keep an effective control environment and respond to operational breakdowns with discipline

Qualifications

• Superior diploma (e.g., MS, Ph.D., or MBA) in a quantitative field which includes Econometrics, statistics, arithmetic, Operations research, Engineering, or computer technology
• The superior degree is desired however now not required given a suitable aggregate of formal education and paintings revel in
• Credit/Fraud chance management enjoy and knowledge of credit lifecycle are desired
• A blend of analytical talents, system understanding, mission control, and dating-building skills
• Potential to handle massive datasets using SAS, square, R, Python, or any other comparable programming language
• Idea leadership and solution-orientated mindset
• Ability to assume strategically and apply each quantitative method and commercial enterprise insights to drive effects
• Capability to build strong relationships in a cross-purposeful environment
• Clean, effective written and oral communication abilities