**Description** **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. **Qualifications** Salary Range: $185,000.00 to $275,000.00 annually bonus equity (if applicable) 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 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 + 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. 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/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement. Depending on factors such as business unit requirements, the nature of the position, cost, and application laws, American Express may provide visa sponsorship for certain positions If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters. **Job:** Executive **Primary Location:** US-New York-New York **Schedule** Full-time **Req ID:** 24018006