Credit Specialist

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?

This position is responsible for reviewing accounts to determine if the CM has set up an account with an intention to defraud American Express. This is accomplished by reviewing account and Card member information such as charge activity, payments, Credit Bureau information, Dunn & Bradstreet information, Lexis Nexis and Service Establishment information, and WCC history notes and then making an analysis as to the risk to American Express. To carry out these reviews with the highest levels of professionalism & service that maintains the brand whilst protecting shareholder losses.

• Report analysis results
• Identify potential process improvement initiatives
• Understanding of credit card financial principles
• Comfortable managing multiple credit system platforms
• Ability to learn a wide variety of technical and business skills
• Excellent interpersonal skills; communication (verbal & written) and listening
• Quick Thinking Ability
• Flexible to work in a 24/7 shift environment Including Saturday & Sunday working
Credit/Collections experience is desirable but not essential

Minimum Qualifications

• Strong interpersonal, communication and listening skills
• Comfortable with 24/7 shifts
• Demonstrated ability to effectively work high-risk accounts that are referred via Fraud Risk case set-ups
• Ability to evaluate American Express Consumer and Corporate account data to make a business decision as to the risk level of the account pertaining to charge detail, Service Establishment information, and payment detail
• Ability to evaluate CM’s financial data to make a business decision as to the risk level involved post data inputs from Credit Bureau
• Proven analytical and problem-solving skills with a strong attention to detail
• Demonstrated dependability/self-motivating skills
• Change Management Ability
Demonstrated ability to work effectively within a team environment as well as independently

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.