Job Description

Job Title:

Fraud Analyst (Customer Account Management)
Location: Gurugram, Haryana
Job Type: Full-time

About American Express

With a legacy of over 175 years, American Express is built on a foundation of innovation, leadership, and shared values. As a member of Team Amex, you'll experience unwavering support through a culture that promotes holistic well-being, continuous learning, career growth, and meaningful impact.

Role Summary

This position is responsible for managing overdue client accounts and preventing future delinquencies. You will also play a critical role in identifying, analyzing, and mitigating fraud-related risks, helping ensure customer trust and service excellence.

Key Responsibilities

• Contact clients with overdue accounts to secure payment settlements

• Take preventive measures with high-risk accounts to avoid future delinquencies

• Analyze and evaluate fraud claims, determining whether to approve or decline

• Investigate unauthorized or suspicious fraud claims and high-risk transactions

• Coordinate with merchants for dispute resolution and chargeback processing

• Ensure timely and accurate handling of each merchant chargeback dispute

• Proactively identify potential fraudulent charges and take necessary action

• Stay updated on fraud trends; suggest preventive and corrective measures

• Meet and exceed productivity, quality, and compliance metrics

• Provide feedback and suggest process improvements based on customer needs

• Balance customer experience with the business interests of American Express

• Respond to customer inquiries in a timely and effective manner

• Communicate clearly and professionally, both verbally and in writing

Minimum Qualifications

• Graduate, preferably from a commerce background

• 1–3 years of relevant experience (preferred)

• Familiarity with MS Office tools and applications

• Good written and spoken communication skills

• Conversational proficiency in English

Preferred Qualifications

• Working knowledge of fraud prevention procedures

• Strong analytical mindset with attention to detail

• Ability to multitask and deliver with accuracy

• Customer-first mindset and high result orientation

• Prior experience with American Express products (a plus)

Why Join American Express?

We offer a range of benefits to support your holistic well-being, so you can be your best personally and professionally:

• Competitive base salaries and bonus incentives

• Support for financial well-being and retirement

• Comprehensive medical, dental, vision, life insurance, and disability benefits (location-dependent)

• Flexible work model: onsite, hybrid, or virtual, based on role and business need

• Generous paid parental leave (based on location)

• Access to on-site wellness centers (location-dependent)

• Confidential counseling through the Healthy Minds program

• Ongoing career development and learning opportunities

Diversity & Equal Opportunity

American Express is proud to be an Equal Opportunity Employer. Employment decisions are made without regard to race, color, religion, gender, national origin, sexual orientation, gender identity, disability status, veteran status, or any other protected category.

Employment is contingent on the successful completion of a background verification check, subject to applicable laws and regulations.

Make your mark. Help shape the future of fraud prevention and customer security with American Express.

Let me know if you'd like this converted to a job posting format (e.g. LinkedIn, Naukri, etc.) or if you'd like help drafting a cover letter or resume for this role.