Senior Manager, Internal Fraud Rules Development

Internal Fraud Rules Development

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.

Position Summary

The Senior Manager, Internal Fraud Rules Development plays a key leadership role within American Express's 1LOD Internal Fraud Center of Excellence (COE), responsible for designing, implementing, and optimizing rules that detect and prevent internal fraud. Reporting to the Vice President of Rules Strategy for Internal Fraud, this role leads the day-to-day development of fraud detection rules, ensuring high performance, strong governance, and alignment with enterprise risk objectives. The Senior Manager will manage one Rules Analyst and collaborate closely with partners across Fraud Analytics, Investigations, Technology, and Operational Risk to maintain proactive and effective defenses against internal fraud. This is an exciting opportunity for an experienced fraud rules professional to lead a small, high-impact team at the intersection of data, technology, and risk prevention.

Key Responsibilities

• Lead the design, development, testing, and implementation of rules to detect internal fraud activity across American Express business units and systems.
• Collaborate with risk identification and detection analytics peers to develop internal fraud rules, including production deployment and monitoring.
• Translate internal fraud typologies, control gaps, and behavioral patterns into actionable detection logic.
• Partner with the Internal Fraud Analytics team to incorporate model outputs, risk indicators, and anomaly detection insights into rules.
• Monitor rule performance, identify tuning opportunities, and drive continuous improvement to maximize precision and minimize false positives.
• Ensure all rules adhere to enterprise governance, documentation, and control standards.
• Maintain audit-ready records of rule design, performance metrics, and business justification.
• Manage, mentor, and develop one Rules Analyst, providing technical guidance and coaching.
• Implement, test, and maintain rules within fraud detection platforms.
• Work closely with peer teams across Fraud Risk Identification, Detection Analytics, and 2LOD Risk to ensure holistic internal fraud coverage, validate rules effectiveness and adapt to emerging risks.
• Stay current on emerging internal fraud trends, detection technologies, and rules engine capabilities.
• Identify opportunities to enhance automation and efficiency in rule management processes.
• Contribute to the evolution of the Internal Fraud COE's strategy by sharing insights, best practices, and innovation ideas.

Qualifications

Bachelor's degree in Business, Risk Management, Data Analytics, or related field required; Master's preferred. 7 years of experience in fraud risk management, rules strategy, or analytics preferably within financial services or payments. Demonstrated success designing and managing fraud detection rules in a complex operational or digital environment. Experience managing or mentoring analysts preferred. Strong proficiency in data analysis and rule design using tools such as SQL, SAS, or Python. Familiarity with rule management platforms, decision engines, and case management systems. Solid understanding of fraud typologies, internal control frameworks, and insider threat detection methods. Ability to synthesize large datasets into clear, actionable detection logic. Knowledge of fraud data environments and production rule deployment processes. Strategic thinker with strong execution discipline and attention to detail. Collaborative leader who builds strong relationships across analytical, risk, and technology functions. Skilled communicator who can translate technical concepts into business context for senior stakeholders. Demonstrated ability to balance operational efficiency with risk mitigation effectiveness.

Salary Range : $89,250.00 to $150,250.00 annually bonus benefits. The above 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. 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, but not limited to, 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.

US Job Seekers - Click to view the "Know Your Rights" poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window : Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for this position.

Job : Operations

Primary Location : US-North Carolina-Charlotte

Other Locations : US-New York-New York

Schedule : Full-time

Req ID : 25019487