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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.

Operational Bureau Governance team is responsible for the capability infrastructure, execution and operational risk management of the credit bureau reporting information exchange within the American Express. The team currently leads International & US Credit bureau reporting to ensure the regulatory and contractual adherence when Amex customer information is reported to the credit bureaus.  The team manages governance structure by market and central functions such as data quality, credit bureau dispute management, new accounts credit bureau reporting, Bureau invoice management and bureau reject handling for both inbound and outbound bureau.  The functions of the team ensure that American Express continuously adhere to regulations and also enable business growth by having access to critical bureau data for our customers and clients

How will you make an impact in this role?

This role is responsible for supporting credit bureau reporting in the market to ensure the regulatory and contractual adherence regarding bureau data. The incumbent will assist in governing credit bureau data privacy principles (anonymity, reciprocity, standardization) and will help to ensure that the markets are protecting credit bureau information integrity, including secure information exchange. This candidate will drive day-to-day credit bureau reporting quality management (including problem management) and work with dedicated credit bureau resources to conduct and manage data quality and uphold transmission oversight.   

Responsibilities: 

Implement and Perform Data Insights, Data Analytics & Capability reviews. Support credit bureau projects – help define business requirements, design bureau processes, design operational processes, test with the credit bureaus, implement governance and controls over the new processes. Execute Operational Bureau Data Exchange Controls. Work with Technologies to drive day to day credit bureau data exchange oversight, including ensuring data security, change management and follow up on transmission anomalies. Work with business & technology colleagues to implement automation and control enhancements.  Participate in business self-testing (as required) over the credit bureau reporting process. Facilitate data quality, information integrity, MIS and security reviews (including transaction testing) over credit bureaus and related vendor information providers.  Manage and drive resolution over internal and third party derived issues on both outbound and inbound processes. Assist and collaborate with teams to focus on cost reduction, quality improvement and optimum data consumption. 

Minimum Qualifications

Degree required in Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study. Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred. Strong data handling and ability to apply statistical/quantitative techniques and methods to drive business results. Demonstrated excellence in analysis, including innovating business intelligence to provide fresh insight.   Exposure to credit bureau operations and risk management domain. Exposure to underwriting, customer management, credit & collections, risk oversight or other credit or fraud risk management discipline(s).  Understanding of technology/project management methodologies (Agile).  Excellent communication and presentation skills with the ability to influence others. Prior experience of working for US market and familiarity with regulations and reporting principles will be a plus. 

Knowledge of platforms 

Technical platforms - SAS, SQL, Python, Hive

Preferred Qualifications

·       Strong data handling and ability to apply statistical/quantitative techniques and methods to drive business results.

·       Demonstrated excellence in analysis, including innovating business intelligence to provide fresh insight.  

·       Exposure to credit bureau operations and risk management domain.

·       Exposure to underwriting, customer management, credit & collections, risk oversight or other credit or fraud risk management discipline(s). 

·       Understanding of technology/project management methodologies (Agile). 

·       Excellent communication and presentation skills with the ability to influence others.

·       Prior experience of working for US market and familiarity with regulations and reporting principles will be a plus. 

·       2-3 years of credit bureau operations or risk management experience will be preferred.

·       Overall experience  > 5 years 

 

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

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.