Manager-Digital Product Management

American Express' Risk Management capabilities are central to delivering a strong customer experience while managing credit and fraud risk. The Risk Products & Data Strategy (RPDS) organization is modernizing risk platforms and enabling new business capabilities across a more digital and connected payments ecosystem.

The Manager, Digital Product Development will combine Product Manager and Product Owner responsibilities to help develop and deliver authentication and fraud-risk capabilities supporting AI-assisted and AI-initiated commerce, including customer and agent trust signals.

The role will translate business, customer, fraud, identity and technology needs into product requirements, roadmaps, features and controls; partner with Risk, Technology, Architecture, Data Science, Information Security and servicing teams; and support pilots and scaled launches while balancing security, customer friction, platform performance and speed to market.

Minimum Qualifications

• Demonstrated 5 years of product management, product ownership or product development experience delivering complex technology capabilities; experience with fraud management or real-time risk products is preferred.
• Ability to build strong relationships across large cross-functional teams and influence business and technology partners to drive transformational change.
• Strong analytical and structured problem-solving skills, with the ability to operate in ambiguity and translate emerging needs into clear product requirements and decisions.
• Experience with Agile/Scaled Agile practices, backlog management, feature/story development and prioritization across competing initiatives; JIRA/Confluence experience is useful.
• Strong written and verbal communication skills and the ability to engage internal and external stakeholders at multiple levels.
• High degree of organization, initiative and accountability, with the ability to manage multiple workstreams and dependencies.
• Bachelor's degree in computer science, technology, engineering, business management or a related field, or equivalent relevant professional experience.

Preferred Qualifications

• Deep and broad expertise in consumer or commercial risk management, digital payments, authentication, identity, fraud-risk technology or related processes and systems.
• Experience with fraud authorization, authentication, decision science models, risk decisioning platforms, Amex risk capabilities/data, or another core fraud-risk management function.
• Product exposure to Agentic AI, AI agents, agentic payments/commerce, digital identity, tokenization, developer platforms or machine-to-machine commerce.

Master's degree or comparable experience in management, computer science, engineering, analytics or a related discipline is a plus.

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Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

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 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.

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