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.

Department Overview:

Frontier Machine Learning & Customer Insights team sits within the Credit and Fraud Risk (CFR) division as part of the AI Labs department within American Express. The AI Labs team uses the latest AI, ML, and GenAI techniques to support new and streamlined use cases to improve the customer experience and support Amex colleagues in automating day to day tasks. AI Labs is led from New York while working with other teams internationally.

Job Responsibilities:

• Lead and drive advanced machine learning research in emerging areas such as causal modeling, reinforcement learning, and other action-based techniques, focusing on practical applications with significant business impact.
• Develop and refine "Size of Wallet" modeling for both consumer and commercial portfolio, delivering actionable insights that inform decision-making across the organization.
• Establish, grow, and maintain high-impact research partnerships with top academic institutions and industry leaders, ensuring access to the latest research and fostering innovation.
• Lead high-caliber machine learning research team in the application of research insights, translating theoretical advances into practical, scalable solutions that drive the business forward.
• Present and communicate research findings to senior leadership, influencing enterprise-level decision-making and strategic direction.

Required Skills and Qualification:

• 10+ years of experience in quantitative research and decision-making within the consumer finance sector, with a proven ability to deliver impactful research-driven solutions.
• 5+ years of machine learning research experience, including hands-on work with advanced techniques such as reinforcement learning, causal inference, and action-based modeling.
• 3+ years of experience managing research partnerships with both academic institutions and industry, demonstrating success in collaborative, large-scale research initiatives.
• Exceptional collaboration and influencing skills, with a demonstrated ability to work effectively across departments, teams, and levels of leadership.
• Proven ability to set and execute a forward-looking research agenda, with a focus on external learning and defining measurable success metrics for research outcomes.

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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.