AI Researcher

Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.

AI Labs seeks an AI Researcher to contribute to advanced research that will power credit, fraud and marketing decisions. The candidate serves as a thought leader and a problem-solver who can blend business, technical, and industry best practices when it comes to developing the models, and algorithms that power our customers’ digital experiences. This role sits at the intersection of applied AI research, large-scale AI platforms, and large-scale compute infrastructure. The AI researcher will help define and execute a forward-looking research agenda and help to translate cutting-edge machine learning, and systems innovation into scalable, governed, and business-critical AI capabilities. Role is focused on advanced modelling solutions for structured data (tabular data, sequence of events, timeseries, graph-based structures).

The ideal candidate will combine deep hand-on ML research expertise with strong practical knowledge and experience in building scalable infrastructure and data science platforms.

Colleagues in AI Labs serve as key members of the Global Decision Science organization within Credit and Fraud Risk at American Express. This critical team is responsible for managing enterprise risks throughout the customer lifecycle, across our consumer and commercial businesses, and across all our global products. We develop industry-first data capabilities, build profitable decision-making frameworks, create machine learning-powered predictive models, and improve customer servicing strategies.

Our Global Decision Science teams use industry leading modelling and AI practices to predict customer behaviour. We develop, deploy and validate predictive models and support the use of models in economic logic to enable profitable decisions across credit, fraud, marketing and servicing optimization engines.

Ph.D degree in Computer Science, Statistics, Operations Research, Engineering, Mathematics, Economics, Physics, or a related quantitative field or equivalent work experience.

Work experience in applied research lab organisations is a plus.

Very strong record of applied research impact through platforms, patents, production systems, or enterprise-scale adoption, in addition to traditional publications.

Expertise with GPU-accelerated ML workloads, high-performance computing, and advanced optimization techniques are essential.

Expert knowledge of machine learning and statistical modeling methods for supervised and unsupervised learning in areas such as transformer and attention-based architectures, deep learning for structured sequential and graph data, multi-task and transfer learning.

Exceptional programming skills in Python, Spark. Additional knowledge of C/C++ and Java is preferred

Expertise in hybrid-cloud AI/ML infrastructure, including Google Cloud (e.g., Vertex AI, BigQuery, Dataproc) and large-scale distributed computing environments.

Strong knowledge of databases and related languages/tools such as SQL, NoSQL, Hive, etc.

Exceptional people leadership and managerial skills

Ability to work in a dynamic, cross-functional environment, with a strong attention to detail

Effective communication skills and ability to explain complex data products in simple terms

Strong relationship building and collaborative skills.

Employment eligibility to work with American Express in UK 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

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.