692 Icaap Economic Analysis jobs in India

**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.
**Function Description:**
Global Servicing(GS) brings together the company's external and internal servicing functions to provide best in class servicing to our customers and colleagues.
Emerging as the Enterprise **Sales Operations & Business Enablement** utility, **SABE** (Sales & Business Enablement) drives standardization & agility for the organization. Sales Operations include Pre-sales, acquisition & Account Management while **Business Enablement** includes **Platform & Capabilities** .
Enterprise Data Platforms (EDP) team in Enterprise Digital & Data Solutions (EDDS) is responsible for leading Amex data & capabilities on the centralized enterprise platforms. Key data platforms- Lumi and Cornerstone uses big data-based environment to house all Amex data and a key analytical environment for carrying out data analytics and support business decisioning.
EDP also has product ownership of multiple BI products, DQ capabilities & Data Streaming and Decisioning Platforms including Sisense, nVision, HyperDrive, Qalibrate etc. These products enable users across the Enterprise to drive their analytical, reporting, BI & DQ needs.
EDP Business Support team in SABE will be responsible for providing centralize servicing for these platforms/ products and ensure timely resolution to queries raised by platform users, driving & governing core platform functions while working closely with the EDP Product owners.
**Core Responsibilities:**
+ Lead, coach and mentor a team of business analysts to implement servicing standards and data quality framework for the widely used EDP product
+ Work with customers to identify, specify and document complex business requirements and provide appropriate solutions, specifically around prioritized product enhancement initiatives
+ Manage customer expectations including scope, schedule, changes, capacity, and problem resolution
+ Drive high engagement with customers to ensure on-time, high quality project deliverables
+ Lead effort to automate and standardize new product development to increase efficiency and accuracy
+ Provide functional and technical guidance to the Team
+ Conduct deep analysis to uncover trends, recommend business solutions and implement strategic initiatives
+ Drive partner and team engagement through governance call,1 on 1 s and other connects
+ Team development evaluation assessing proficiency on tools, technologies, and data
+ Get involved in initiatives of SABE to advance service offerings & support Exec teams in strategy building exercise
**Servicing responsibilities:**
+ Manage and enhance servicing experience for end customers through high quality resolutions & strong process adherence i.e. governance, reporting, escalation.
+ Take appropriate action to close feedback loop by recommending solutions to unstructured challenges via correct channels
+ Identify and document standard process guidelines to build knowledge within team and reduce the overall product issues
* Be the Subject matter expert of the platform/product
**Products Operations -**
+ End to end ownership - Collaborating across platforms to deliver on business value for eg: Data Validations, Data Onboarding, Data Mapping, Metadata organization
+ Drive initiatives to monitor, analyze & improve the quality of Data
+ Formulate and communicate strategies in a clear and compelling way in the form of innovative reporting solution
+ Manage customer expectations including scope, schedule, changes, and problem resolution
+ Build Plug & Play Products & Capabilities Process
**How will you make an impact in this role?**
**Critical Factors to Success (Outcome Driven):**
**Business Outcomes:**
+ Identify and solve complex customer issues spanning data needs, access problems, query optimization, tool troubleshooting and much more
+ Drive insights from issues & partner with tech & business teams to provide product consultation to evolve the platform & overall user experience
**Leadership Outcomes:**
+ Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders
+ Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings
+ Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
+ Deliver the world's best customer experiences every day
**Past Experience**
8 years' experience leading teams in production support or data environment
**Preferred:** Payments Industry Experience, Big Data Platform, Servicing Approach.
**Academic Background**
Bachelor's degree in STEM fields w/ work experience in information management, strategy, or the payments business.
**Functional**
+ Customer service, prioritization, multitasking, communication & leadership skills
+ Case management system such as ServiceNow, JIRA etc.
**Technical**
**Must have** -PL/SQL, HIVE
**Preferred -** GCP, Big Query, Python, Advanced Excel
**Platforms:**
+ Big Data, Knowledge of Data Management systems
+ MS Office suites (Excel, PowerPoint, Word)
+ ServiceNow/Rally/ JIRA
**Qualifications**
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
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:** 25008237

**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.
**How will you make an impact in this role?**
The Fraud, Credit Bust Out (CBO), Banking Product & Payments Risk Organization is a global team of risk officers, data scientists, and product managers that are building innovative solutions and capabilities to manage external fraud and payment risk across AMEX's card and banking portfolios.
We are looking for an **Analyst** **to join the Fraud, Credit Bust Out (CBO), Banking Product & Payments Business Operations team** , which will oversee how the Global fraud team meets expectations outlined in the enterprise-wide policies and governance requirements for operational and fraud risk management across both the global card and banking product portfolios. The team will be responsible for executing new programs that govern, monitor and improve the CBO and payments' group's extensive strategy execution controls, providing thematic analysis on operational issues associated with fraud processes, and creating and maintaining CBO and payments RCSAs.
Key Responsibilities
+ Support the RCSA program through administrative tasks related to process mapping, risk and control identification, assessment, and annual review
+ Support monitoring of portfolio performance by calculating prescribed metrics and participating and documenting in root cause analysis and remediation plans
+ Support through administrative tasks the timely updates of documentation and operational controls as new customer features & fraud capabilities are introduced
+ Support the execution of BU's risk assessment through analysis and data collation
* Conduct controls testing in accordance with Internal Controls Policy
* Lead victim fraud events analysis with operational risk lens and partner with functional experts to identify and remediate gaps
* Support multiple compliance and regulatory programs, such as AML/BSA SARs referrals, elder fraud abuse detection, scams detection, etc.
* Provide administrative support to evidence collection and explanatory responses to exams, audits, and any ad hoc governance requests
* Provide administrative support to Track and identify issues and fraud events as outlined by the Issues and Events Policy
Required Qualifications
* Strong project management, communication, and interpersonal skills
* Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards
* Proficient analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate Victim fraud risk scenarios effectively
* Ability to navigate through ambiguous problems and be creative
* High degree of organization, individual initiative and personal accountability
* Positive "roll-up your sleeves" attitude, a proactive mentality, and a passion to win required
Preferred Qualifications
* Bachelor's Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous
* Understanding of critical operational risk management lifecycle activities
* GSIB Operational Risk or RCSA program experience
* Experience managing operational risk events
* Prior fraud experience
GUARDIAN
**Qualifications**
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
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:** 25014959

**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.
**Functional Description**
The Global Risk & Compliance Organization ("GRC") is a group sitting in the Second Line of Defense and independently oversees the company's risk-taking and risk management activities, including the comprehensive identification, management, and mitigation of risks within the Company's risk appetite. GRC ensures the company operates in a safe, sound and fully compliant manner within all applicable regulatory expectations. We create and maintain the overall risk management framework while ensuring legal and regulatory compliance.
**How will you make an impact in this role?**
We are seeking a Manager, Network Governance, to join our Enterprise Risk Management and Risk Oversight (ERM&RO) function within GRC. The successful candidate will establish a governance framework to enhance oversight over our Global Network Services' (GNS) partners and network infrastructure, drive governance and operational excellence, and minimize risk to drive flawless payments processing globally for American Express. Our culture in Global Risk & Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
**Responsibilities**
+ Create a governance framework for the Network Business globally
+ Conduct independent oversight of technology, cyber security, business disruption and third-party risk management practices, including risks generated by business processes or that occur due to the use of Technology.
+ Learn technology, cyber security, business continuity management and third-party risk processes at American Express, demonstrating strong levels of curiosity and willingness, in order to present an effective credible challenge.
+ Develop and enhance data-driven key risk indicators and key performance indicators that provide real time and meaningful insights into the risk and performance trends.
+ Partner with the first line of defense partners to prioritize work and lead operational readiness and change management program in response to regulatory mandates
+ Leverage industry & regulatory expertise to design and implement frameworks that enable GNS business teams to drive remediation of significant exposures and control gaps
+ Provide thought-leadership and effectively challenge the first line of defense teams on the roll out of new and / or enhanced partner monitoring and reporting
+ Enhance Global Network Services oversight and governance practices
**Preferred Qualifications**
+ 5-7 years of risk management experience in FinTech, financial services, IS/IT/BD risk based work, or payments and networks
+ Advanced degree in Business, Finance, Risk Management, or a related field is required
+ Proven ability to identify risks, analyze issues and derive meaningful insights about risk trends by conducting interviews and analyzing large volumes of data.
+ Experience in risk management frameworks and standards across cyber security, information technology, 3rd party, business continuity management.
+ Understanding of risk assessment methodologies, frameworks, and industry standards (e.g. COSO, COBIT, ISO 27001, FAIR or NIST RMF) preferred
+ Excellent communication and stakeholder management skills, with the ability to influence and collaborate with senior executives and cross-functional teams
+ Ability to think strategically, manage complex projects, and deliver results in a fast-paced, dynamic environment
+ Strong understanding of financial services regulations and risk management best practices
**Qualifications**
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
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:** 25014513

**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.
**How will you make an impact in this role?**
The Fraud, Credit Bust Out (CBO), Banking Product & Payments Risk Organization is a global team of risk officers, data scientists, and product managers that are building innovative solutions and capabilities to manage external fraud and payment risk across AMEX's card and banking portfolios.
The Global Fraud vertical owns the 1 st Party fraud (credit-bust out) and payments risk control and capabilities strategy for AMEX's global card portfolio. **The Director of Credit Bust Out and** **Payments Business** **Operations** will support the Vice President of business operations and the Global Head of CBO and Payments Risk in ensuring adherence with enterprise-wide policies on risk management. The director will be responsible for executing new programs that govern, monitor and improve the CBO and payments' group's extensive strategy execution controls, providing thematic analysis on operational issues associated with fraud processes, and creating and maintaining CBO and payments RCSAs.
This role will be based out of Gurgaon, India and the incumbent would lead a team of risk management professionals with a focus on solving complex, novel, high impact business problems.
**Key Responsibilities**
+ Lead a team of managers and analysts to execute against enterprise policies and governance plans for CBO on cards:
‒ Implementing and annually refreshing RCSA program
‒ Conducting controls testing in accordance with Internal Controls Policy
‒ Support timely updates of documentation and operational controls as new customer features & fraud capabilities are introduced.
‒ Calculating and monitoring risk appetite framework (RAF) metrics for card portfolio, escalating as appropriate, partnering with strategy teams to identify root causes, full expected exposures and corresponding action plans
‒ Conduct risk assessments for card portfolio under current 1st Line of Defense methodology, lead transformation of risk assessment to 2nd Line of Defense methodology.
‒ Support implementation and quarterly refresh of rule review framework for CBO and payment strategy rules
‒ Execute multiple compliance and regulatory programs, such as AML/BSA SARs referrals, elder fraud abuse detection, scams detection, etc.
* Oversee the CBO control inventory, through robust documentation and organization, controls testing, and developing new KRIs or control monitoring metrics (CDITs, MIS, etc.)
* Partner with functional experts and participate in exams, audits, and any ad hoc governance requests
* Ensure the systems that fraud org risk have in place to track and identify issues and fraud events are satisfactory within the risk framework established by Issues and Events Policy
* Ensure consistent documentation in standard operating procedures, reporting, etc. for the card portfolio
* Provide insights to banking, fraud, CBO, and payments leadership on process risk issues and mitigation strategies
* Provide thought leadership on control design, control effectiveness monitoring, and process governance to direct reports
**Minimum Qualifications**
+ Understanding of critical operational risk management lifecycle activities
+ Experience in process governance, with a track record of establishing or implementing robust decision-making processes that align with policies, regulatory frameworks, and/or operational standards
+ Experience with GSIB-RCSA program preferred
+ Experience with risk control design, testing, and effectiveness and operational monitoring
+ Familiarity and subject matter expertise in credit bust-out and payments strategy and or capabilities and Operational Excellence
+ Positive "roll-up your sleeves" attitude, a proactive mentality, and a passion to win required
+ Excellent project management, communication, and interpersonal skills, with an ability to interact and obtain buy-in from senior BU/tech counterparts
+ Strong internal partner management skills with proven ability to influence & negotiate
+ Strategic, analytical, problem-solving mindset; ability to problem solve and make decisions or drive to fast resolution
+ Critical thinker with the ability to continuously evolve strategy based on data and analytics
+ Exceptional oral and written communications skills
+ People leader experience preferred
GUARDIAN
**Qualifications**
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
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:** 25014958

**Description**
**You Lead the Way. We've Got Your Back.**
With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you'll learn and grow as we help you create a career journey that's unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
At American Express, you'll be recognized for your contributions, leadership, and impact-every colleague has the opportunity to share in the company's success. Together, we'll win as a team, striving to uphold our company values and powerful backing promise to provide the world's best customer experience every day. And we'll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
Join Team Amex and let's lead the way together.
Sales and Business Enablement (SABE) within GSG-MIS is an internal servicing team providing sale performance reporting and business enablement support to the enterprise. The objective of the SABE Performance Reporting and Insights team is to ensure that Commercial and Merchant businesses have timely and accurate reporting, insights and forward looking actions to help drive business performance.
**Responsibilities:**
+ Deliver comprehensive performance reporting and Insights to help the GCS Global Pay and Marketing leadership team and individuals evaluate and drive business performance.
+ Partner with functional leaders, Strategic Business Partners and senior leaders to remove friction points, ensure data integrity for reporting and insights to fulfill business requirements and enable actions.
+ Understand complex operational systems and business intelligence tools , sales platforms for developing efficient , insightful products and offerings for customers
+ Devise process improvement tools and methodologies that will ensure flawless delivery exceeding customer expectations.
+ Evolve reporting to meet key business priorities, engage early on with stakeholders, gain buy in for implementing proposed solutions.
+ Leverage best practices internally and bring outside-in perspective to deliver best of breed reporting and insights
**Critical Factors to Success (Outcome Driven):**
**Business Outcomes:**
+ Transform the team from product centric to customer centric operating model by providing end to end servicing on user issues
+ Improve responsiveness and quality of case management using process & technology transformation
+ Build a champion team who is focused on delivering business results with servicing and innovation at their core
+ Enhance customer service experience by incorporating self-servicing capabilities & upskilling team members on new age technology platforms & capabilities to provide strong customer service
**Leadership Outcomes:**
+ Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders.
+ Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings
+ Demonstrate learning agility, make decisions quickly and with the highest level of integrity
+ Lead with a digital mindset and deliver the world's best customer experiences every day
**Past Experience**
3 - 6 Years' experience in Reporting & Analysis is necessary. Candidate will be required to work with multiple GCS global partners to deliver on Standard/BAUs and adhocs report
**Preferred:** Relevant experience in Banking, Financial services industries is preferred
**Academic Background**
Graduate, Masters in Business Administration or Masters in technology
**Functional**
+ Strategic mindset and ability to generate meaningful insights from data, produce analytic reports & cross link with business impact on key KPIs
+ Strong strategic thinking and problem - solving skills
+ Prior experience of stakeholder engagement
+ Strong written & verbal communication skills, ability to translate complex data concepts to non-technical audience
**Technical**
+ Strong reporting background and high proficiency in Python, SQL ( **Advanced level preferred** ) and Tableau
+ Strong knowledge in Data extraction, Data cleaning, data manipulation, data quality and exposure to perform complex data procedures
+ Good understanding of reporting automation & producing reports using Excel & Tableau
**Platforms**
+ MS Office Suite (Word, Excel, Power point, Access)
+ Python
+ SQL
+ Hive
+ Tableau
**Behavioral**
**Enterprise Leadership Behaviors**
+ **Set The Agenda:** Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective
+ **Bring Others With You:** Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential
+ **Do It The Right Way:** Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage
**Qualifications**
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
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:** 25014736

**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.
**How will you make an impact in this role?**
The Fraud, Credit Bust Out (CBO), Banking Product & Payments Risk Organization is a global team of risk officers, data scientists, and product managers that are building innovative solutions and capabilities to manage external fraud and payment risk across AMEX's card and banking portfolios.
The Global Fraud vertical owns the 1st Party fraud (credit-bust out) and payments risk control and capabilities strategy for AMEX's global card portfolio. Manager, Credit Bust Out and Payments Business Operations will support the Director of business operations and the Global Head of CBO and Payments Risk in ensuring adherence with enterprise-wide policies on risk management. The manager will be responsible for executing new programs that govern, monitor and improve the CBO and payments' group's extensive strategy execution controls, providing thematic analysis on operational issues associated with fraud processes, and creating and maintaining CBO and payments RCSAs.
This role will be based out of Gurgaon, India and the incumbent would lead a team of risk management professionals with a focus on solving complex, novel, high impact business problems.
**Key Responsibilities:**
Lead a team of analysts to execute against enterprise policies and governance plans for CBO on cards:
+ Implementing and annually refreshing RCSA program
+ Conducting controls testing in accordance with Internal Controls Policy
+ Support timely updates of documentation and operational controls as new customer features & fraud capabilities are introduced.
+ Calculating and monitoring risk appetite framework (RAF) metrics for card portfolio, escalating as appropriate, partnering with strategy teams to identify root causes, full expected exposures and corresponding action plans
+ Conduct risk assessments for card portfolio under current 1st Line of Defense methodology, lead transformation of risk assessment to 2nd Line of Defense methodology.
+ Support implementation and quarterly refresh of rule review framework for CBO and payment strategy rules
+ Execute multiple compliance and regulatory programs, such as AML/BSA SARs referrals, elder fraud abuse detection, scams detection, etc
+ Oversee the CBO control inventory, through robust documentation and organization, controls testing, and developing new KRIs or control monitoring metrics (CDITs, MIS, etc.)
+ Partner with functional experts and participate in exams, audits, and any ad hoc governance requests
+ Ensure the systems that fraud org risk have in place to track and identify issues and fraud events are satisfactory within the risk framework established by Issues and Events Policy
+ Ensure consistent documentation in standard operating procedures, reporting, etc. for the card portfolio
+ Provide thought leadership on control design, control effectiveness monitoring, and process governance to direct reports
**Minimum Qualifications:**
+ Experience in operational risk management (e.g., within Risk and/or Internal Audit function and experience with GSIB-RCSA program preferred
+ Understanding of critical operational risk management lifecycle activities
+ Experience in process governance, with a track record of establishing or implementing robust decision-making processes that align with policies, regulatory frameworks, and/or operational standards
+ Experience with risk control design, testing, and effectiveness and operational monitoring
+ Familiarity and subject matter expertise in credit bust-out and payments strategy and or capabilities and Operational Excellence
+ Positive "roll-up your sleeves" attitude, a proactive mentality, and a passion to win required
+ Excellent project management, communication, and interpersonal skills, with an ability to interact and obtain buy-in from senior BU/tech counterparts
+ Strong internal partner management skills with proven ability to influence & negotiate
+ Strategic, analytical, problem-solving mindset; ability to problem solve and make decisions or drive to fast resolution
+ Critical thinker with the ability to continuously evolve strategy based on data and analytics
+ Exceptional oral and written communications skills
+ People leader experience preferred
**Qualifications**
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
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Tags** 1LOD_External Fraud
**Req ID:** 25014957

**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.
**SABE** : Sales and Business Enablement (SABE) is an internal servicing team providing performance reporting and business enablement support to the enterprise. The objective of the SABE Performance Reporting and Insights team is to ensure that US Consumer businesses have timely and accurate reporting, insights and forward-looking actions to help drive business performance.
**How will you make an impact in this role?**
The position will have responsibility for development & ongoing delivery of Reporting & Insights Suite for Benefits & Membership Rewards to support BD & Partnerships teams of US Consumer, US Commercial, ICS markets. This role demands expertise in data-driven decision-making, and strategic analytics. It's an exciting chance to delve into embedded card benefits and leverage data to achieve business goals. The candidate will create actionable, data-driven reporting products and analysis to enable business growth, collaborating closely with US Consumer, US SBS, Loyalty Platforms, Marketing, Finance, and other partners. A strong background in data analytics and exceptional quantitative and problem-solving skills are essential. The successful candidate will be required to :
+ Independently lead and deliver performance reporting Benefits/MR program to support US Consumer stakeholders to evaluate and drive business performance
+ Stakeholder management: Partner with functional leaders, business partners and senior leaders to remove friction points, ensure data integrity for reporting and insights to fulfill business requirements and enable actions.
+ Lead strategic initiatives to support leadership/business teams enabling SABE/business priorities
+ Lead effort to automate and standardize reporting processes to increase efficiency and accuracy that will ensure flawless delivery exceeding customer expectations
+ Thoroughly understand Membership Rewards & Benefits performance drivers and provide functional/technical guidance to members in the team
+ Understand complex reporting requirements in line with the contract construct aligned between AMEX and Merchant Partners and develop new dashboards/reports using Amex platforms, perform testing, data validation, documentation and training to help with adoption of tools
+ Evolve reporting to meet key business priorities, engage early on with stakeholders, gain buy in for implementing proposed solutions
+ Conduct deep dives to uncover data trends, insights and recommend business solutions reporting
**Minimum Qualifications**
+ Past Experience : 2 - 5 Years of relevant Analytics experience
+ Strong Programming skills - SQL, Python, Automation
+ Expertise in MS Office Suite Especially Excel & Powerpoint
**Preferred Qualifications**
+ Knowledge of Amex data platforms - Lumi
+ Handson Visualization expertise - PowerBI, Tableau
+ Knowledge of conversational BI through GenAI
+ Web Based dashboard creation
**Functional Skills/Capabilities:**
+ Strong analytical and problem-solving skills.
+ Strong ability to drive results; self-starter.
+ Strong interpersonal, written and verbal communication skills
+ Strong Storytelling and impactful deck making
**Qualifications**
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
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:** 25014841

**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.
**How will you make an impact in this role?**
American Express International Card Services (ICS) is a leading issuer and provider of Consumer and Commercial products and services across many countries around the world. The ICS Lending Center of Excellence (COE) team vision is to ensure each customer has access to flexible payment options, relevant rewards, and the powerful backing of American Express.
As we continue growing our customer base, ICS Lending must ensure our customers and shareholders can realize maximum value. To support this agenda, we are seeking a colleague that can collaborate with multiple partners across numerous business units, functional areas, and geographies to:
+ **Work with product, risk, and marketing teams to enable long-term profitable growth:** You will partner and collaborate with colleagues across international markets to ensure our lending products deliver on their promise to our customers.
+ **Drive Excellence across Product actions to grow our business:** Design, lead, and operate effective controls across ICS Lending products. Delivering outstanding products for our customers and shareholders calls for operational excellence in everything we do.
+ **Actionable insights:** Provide regular insights highlighting testing outcomes, business risks, and recommendations to further strengthen our processes.
+ **Communicate effectively and build relationships:** Demonstrate a passion for building strong working relationships across regional and international partners (product, marketing, credit risk, insights, servicing, operational risk, technology, GCO, LOBCO) to deliver lending excellence.
+ **Lead with a customer first approach, and one that is grounded with the external environment:** You will have international experience, a customer-first approach, and do things the right way to help the international business excel.
+ Lead the **development of new Smart Monitoring KRIs** that will allow to strengthen the control environment over multiple ICS Markets.
+ **Identify opportunities** to strengthen the control environment on AR Platforms and Line related processes
**Minimum Qualifications:**
+ Solid understanding of the economics of lending products and key levers of profitability with strong analytical skills
+ Strong verbal, written communication and interpersonal skills
+ Proactive and driven individual with an eye for detail
+ Proficiency in SQL or Python
+ Bachelor's degree in relevant field (Finance, Economics, Business Administration, Engineering, Mathematics, Physics, Actuarial Sciences), Master's degree is a plus.
+ 1 years of work experience in a high-growth product or risk management team.
+ Ability to translate desired controls into systematic KRIs that can be automatically executed.
+ Experience on operational risk management and self-testing, including ORE and PRSA management. Nice to have knowledge about internal control frameworks.
**Qualifications**
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
+ Support for financial-well-being and retirement
+ Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
+ Generous paid parental leave policies (depending on your location)
+ 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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:** 25012858