Financial Crimes Decision Science & Analytics – Data Scientist

Location: Gurugram, Haryana
Job Type: Full-time
Benefits: Health insurance, competitive salaries, bonus incentives, career development programs, and more

About American Express

At American Express, we empower people and businesses to progress in incredible ways. When you join Team Amex, you become part of a global, diverse community committed to backing our customers, communities, and each other. Our work environment fosters growth, recognition, and success, ensuring that every colleague is valued and heard.

Join us and let’s lead the way together!

About the Role

The Center of Excellence (CoE) for Financial Crimes Decision Science and Analytics oversees enterprise-wide financial crime risk management across all American Express products and services globally.

This team is responsible for developing, implementing, and optimizing automated transaction monitoring rules, reports, and AI/ML models to detect potential financial crime activities. These advanced solutions help streamline Anti-Money Laundering (AML) efforts and enhance risk-adjusted mitigation strategies.

Key Responsibilities

Data Science & AI/ML Model Development

Develop, deploy, and validate predictive models to support AML use cases.
Leverage AI/ML techniques, including Unsupervised Learning, Isolation Forest, and Gradient Boosting.
Implement GenAI and emerging technologies to improve AML risk detection.
Monitor and track model performance using internal systems.
Ensure compliance with governance teams for model approval and deployment.

Data Analysis & Business Insights

Analyze large datasets to derive meaningful insights and improve AML strategies.
Work closely with Global Financial Crimes Compliance (GFCC), Financial Intelligence Unit (FIU), and Compliance & Risk teams to understand and address requirements.
Develop and optimize end-to-end data science solutions.
Utilize Amex’s closed-loop network to enhance decision intelligence.

Innovation & Process Enhancement

Drive innovation by adopting new big data and machine learning solutions.
Structure and communicate project findings to leadership and key stakeholders.
Stay updated with industry trends in Finance, Payments, and Analytics.

Minimum Qualifications

Education: Bachelor's degree in Economics, Statistics, Computer Science, or related fields.
Experience:
- Data Scientist (24-48 months experience) in analytics, big data, or related workstreams.
- Analyst role (0-30 months experience) available for less experienced candidates.
Strong Python programming skills (Data Science libraries) and SQL proficiency.
Experience with version control (Git), model deployment, and developer environments.
Solid understanding of mathematics, statistics, and algorithm development.
Strong problem-solving, communication, and teamwork abilities.

Preferred Qualifications

Expertise in High-Performance Computing, Algorithm Development, and Coding.
Knowledge of AML Investigations, Payments Industry, and Decision Science Frameworks.

Why Join American Express?

We prioritize your well-being with benefits designed to support every stage of life, including:

Competitive salaries & bonus incentives.
Financial well-being & retirement support.
Comprehensive medical, dental, vision, life insurance, and disability benefits (based on location).
Hybrid, onsite, or virtual working options (role-dependent).
Paid parental leave policies (location-dependent).
Access to on-site wellness centers (location-dependent).
Confidential counseling through the Healthy Minds program.
Ongoing career development & training opportunities.

Equal Opportunity Employer

American Express is an equal opportunity employer. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, or any other status protected by law.

Employment is subject to a successful background verification check, as required by law and company policies.

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