Director – Digital Product Management

American Express

. Define and own the Network strategy and roadmap for authorization rules, including validations, spend controls and policy rules .

Posted 9/24/2026full-timePhoenix • Arizona • United StatesLead💰 $144,250 - $256,250 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in defining and managing authorization rules and governance frameworks within large-scale payments environments, leveraging strong analytical skills to translate complex business requirements into actionable strategies. Proficient in driving cross-functional collaboration and influencing outcomes across diverse teams to optimize transaction performance and compliance.

Highest-signal resume keywords

Network Strategy DevelopmentAuthorization Rules ManagementGovernance and Lifecycle ManagementData Analysis and Performance AssessmentCross-Functional Collaboration

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Transaction AuthorizationRules-Based PlatformsDecisioning CapabilitiesProduct ManagementRisk ManagementLifecycle ManagementAnalytical ApproachesCapability Strategy DevelopmentPerformance ManagementChange Management

Soft Skills

Excellent Communication SkillsInfluencing OutcomesOperating Through AmbiguityDriving AlignmentEstablishing Governance

Tools & Technologies

Lucy Rules EngineDecisioning PlatformsAuthorization Systems

Industry Keywords

PaymentsTransaction ProcessingNetwork Product ManagementComplianceOperational Complexity

About the role

Key responsibilities & impact

Define and own the Network strategy and roadmap for authorization rules, including validations, spend controls and policy rules
Establish end-to-end governance and lifecycle management for authorization rules, including requirements, documentation, testing, approvals, change management, review and retirement
Create a comprehensive view of authorization rules across the Network and drive rationalization, simplification and consolidation
Lead the design and prioritization of new and modified authorization rules with Product, Risk, Policy, Compliance, Control Management, Engineering and other stakeholders
Translate business objectives into scalable rule requirements while considering transaction impact, business value, risk and operational complexity
Establish post-implementation validation and performance management capabilities
Design dashboards to define success measures and assess impacts on transaction behavior, authorization performance and Network outcomes
Create a continuous performance and optimization framework using production data and transaction insights
Identify unintended impacts, evaluate rule effectiveness and inform optimization, modification or retirement
Support transition of existing rules capabilities, including the Lucy rules engine, into the Network organization and define longer-term authorization rules strategy

Requirements

What you’ll need

8+ years of experience in payments, Network product management, transaction processing, risk, authorization or related capabilities
Strong understanding of transaction authorization and business rules and decisioning capabilities in large-scale payments environments
Experience managing or developing rules-based platforms, decisioning capabilities, transaction processing products or similar technology-enabled capabilities
Experience establishing governance and lifecycle management across multiple teams, platforms and stakeholders
Strong analytical orientation and experience using data to assess production performance, understand transaction impacts and inform business decisions
Ability to translate complex business requirements into structured capability, product and technology requirements
Experience developing product or capability strategies and roadmaps and driving execution across complex, cross-functional organizations
Excellent written and verbal communication skills for articulating complex transaction, rule and capability concepts to senior stakeholders
Ability to influence outcomes and drive alignment across Product, Technology, Risk, Data and operational teams
Ability to operate effectively through ambiguity and establish structure, governance and accountability in evolving environments
Employment eligibility to work with American Express in the United States; visa sponsorship will not be pursued
Preferred: Deep understanding of American Express Network authorization and transaction processing capabilities
Preferred: Experience with rules engines, decisioning platforms or authorization systems, including Lucy or comparable capabilities
Preferred: Experience managing large-scale capability migrations or transitions across organizational boundaries
Preferred: Familiarity with transaction-level data and analytical approaches used to measure authorization performance and identify unintended impacts
Preferred: Experience building or leading a new product, capability or governance function
Preferred: Enterprise thinking and ability to connect the role’s agenda to broader priorities

Benefits

Comp & perks

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
Potential equity, if applicable