Manager – Digital Product Management

American Express

. Drive the product roadmap and delivery for authentication and fraud-risk assessment capabilities .

Posted 10/8/2026full-timePhoenix • Arizona • United StatesMid-LevelSenior💰 $103,750 - $174,750 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in product management and ownership, particularly in authentication and fraud-risk assessment capabilities, with a strong focus on Agile methodologies and cross-functional collaboration. Proficient in defining product requirements and success measures while managing complex technology capabilities and stakeholder relationships.

Highest-signal resume keywords

Product ManagementFraud ManagementAgile PracticesAnalytical Problem-SolvingCross-Functional Collaboration

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Product OwnershipBacklog ManagementFeature DevelopmentRisk DecisioningFraud AuthorizationAuthenticationDigital PaymentsTokenizationDecision Science ModelsAgentic Payments

Soft Skills

Strong CommunicationRelationship BuildingOrganizational SkillsInitiativeAccountability

Tools & Technologies

JIRAConfluenceAPIsData ContractsTelemetry

Industry Keywords

Fraud-Risk TechnologyDigital IdentityConsumer Risk ManagementAgentic CommerceOperational Controls

About the role

Key responsibilities & impact

Drive the product roadmap and delivery for authentication and fraud-risk assessment capabilities
Combine Product Manager and Product Owner responsibilities: shape process vision and business architecture; capture and groom requirements; prioritize the backlog; define acceptance criteria, SLAs and controls; track execution and report status
Translate fraud-risk, authentication and customer-experience needs into epics, features, user stories, functional/non-functional requirements and measurable outcomes for Agile delivery teams
Define product requirements across the agent trust journey, including customer authentication, agent identification, customer consent and delegated authority, agent-to-customer binding, permission/scope controls, credential or token lifecycle, transaction-time assessment, step-up/challenge paths, revocation, exceptions and servicing
Partner with Fraud Risk Management, Decision Science and Data Science to identify and productize signals assessing customer presence, agent/provider identity, delegated intent, device/session context, transaction and merchant context, behavioral patterns and anomalies
Work with Technology and Enterprise/Technical/Data Architecture on solution design, APIs, events, data contracts, decisioning integrations, audit trails, telemetry, resiliency, latency and operational controls
Support product controls distinguishing legitimate customer-authorized agent activity from account takeover, unauthorized delegation, agent/provider spoofing, manipulated intent, compromised agents, credential/token theft, replay and other emerging abuse patterns
Coordinate with Product, Risk, Legal/Compliance, Information Security, Servicing and Technology partners, and where applicable external ecosystem participants, to incorporate authentication and fraud requirements into launch roadmaps and integration designs
Define and monitor success measures including authentication success, approved fraud, false positives, customer friction, authorization outcomes, control performance, latency, exception rates and operational health
Lead or support discovery, testing, pilot readiness and post-launch reviews; convert fraud cases, defects and control gaps into prioritized product changes
Track evolving agentic-commerce, digital identity and authentication standards and translate relevant changes into durable product requirements

Requirements

What you’ll need

Demonstrated 5 years of product management, product ownership or product development experience delivering complex technology capabilities
Experience with fraud management or real-time risk products is preferred
Ability to build strong relationships across large cross-functional teams and influence business and technology partners
Strong analytical and structured problem-solving skills
Experience with Agile/Scaled Agile practices, backlog management, feature/story development and prioritization
JIRA/Confluence experience is useful
Strong written and verbal communication skills
High degree of organization, initiative and accountability; ability to manage multiple workstreams and dependencies
Bachelor's degree in computer science, technology, engineering, business management or a related field, or equivalent relevant professional experience
Deep and broad expertise in consumer or commercial risk management, digital payments, authentication, identity, fraud-risk technology or related processes and systems is preferred
Experience with fraud authorization, authentication, decision science models, risk decisioning platforms, Amex risk capabilities/data, or another core fraud-risk management function is preferred
Product exposure to Agentic AI, AI agents, agentic payments/commerce, digital identity, tokenization, developer platforms or machine-to-machine commerce is preferred
Employment eligibility to work with American Express in the United States is required; the company will not pursue visa sponsorship

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