Campus Graduate Summer Internship Program

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. As part of Team Amex, you'll experience this 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.

Business Unit/Role Specific Information

Global Risk & Compliance (GRC): The Global Risk & Compliance Organization is an independent risk management function, led by the Chief Risk Officer, with the objective of ensuring that American Express operates in a safe, sound, and fully compliant manner with all applicable regulatory expectations. Global Risk & Compliance creates and maintains the overall risk management framework, performs independent risk management assessments, and monitors applicable risks. Colleagues in Global Risk & Compliance are passionate about our commitment to drive the Company’s goals of growth and progress by creating a culture of risk awareness and proactivity around regulatory matters.  

Financial Risk Management (FRM) is responsible for identifying, assessing, and mitigating financial risks across the enterprise. The team develops and maintains robust risk frameworks aligned with regulatory expectations and business strategies. As a second line of defense (2LOD), FRM sets policies and standards, monitors adherence to risk appetite, and reviews & challenges the first line of defense (1LOD) to ensure effective governance, oversight, and sustainable business growth.

• Portfolio Analytics: Responsible for Financial Management Risk Portfolio Analytics, monitoring and generating insights. It includes close collaboration with several key partners including CCO teams across US & International markets, Finance and Capabilities teams to evolve globally consistent and scalable analytics & MIS. 

• Model Risk Management Group (MRMG): Responsible for oversight of model risk (including Advanced AIML models) and governance of models usage enterprise wide. The vision of MRMG is to establish an agile, adaptive, integrated and forward-looking function that creates and maintains a robust model risk management framework which ensures regulatory compliance, fosters innovation and contributes positively to business success

• Market and Liquidity Risk: The second-line market and liquidity risk function provides independent oversight of the bank’s interest rate, FX, and funding risks. We set limits, challenge assumptions, and monitor exposures to make sure the balance sheet stays resilient, and the bank can always meet its obligations, even under stress.

How will you make an impact in this role?

A successful intern on the Portfolio Analytics team is analytical, curious, and detail-oriented, with the ability to translate data into actionable insights. They bring strong coding and data analysis skills (Python, R, or similar), paired with clear communication to influence stakeholders across the enterprise. The ideal candidate is proactive, collaborative, and eager to learn, with a growth mindset and an interest in financial risk management.

• Analyzing large datasets to identify key portfolio trends and emerging risks.
• Supporting the development of automated MIS dashboards and reports.
• Collaborating with cross-functional partners (Finance, Capabilities, CCO teams) to enhance reporting and analytics.
• Presenting findings and insights to senior leadership to inform decision-making.
• Building and refining automated analytics dashboards and reporting tools.
• Supporting regulatory and internal governance requests with data-driven analysis.

The Model Risk Management Group is looking for candidates with a good understanding of machine learning algorithms and their application to manage risk or boost productivity. An ideal candidate should have great communication skills and familiarity with regulatory requirements. 

• Responsibilities include reviewing machine learning models with an intent to assess conceptual soundness and adherence to internal and regulatory requirements. 
• Work will involve conducting independent research including challenger models.
• Candidates are expected to work closely with model developers and communicate the end outcome to leaders.  
• Candidate may expect to work on one or more of following projects:
  • Review of a machine learning model.
  • Independent research on known problems e.g., prior interns worked on research on global model, performance metrics.
  • Translate upcoming regulatory guidance to requirements on AXP models.

The Market Liquidity Risk team is looking for inquisitive & analytical candidates with an interest in learning about interest rates, FX, and liquidity risks in a banking context. An ideal candidate should have great communication skills and be comfortable working in a collaborative environment.   

• Comfortable asking questions and constructively challenging assumptions. 
• Analytical mindset with the ability to break down data and spot patterns. 
• Collaborative and open to feedback, contributing positively to the team. 
• Motivated by the bigger goal of keeping the bank resilient and prepared under different conditions.
• Support preparation of daily and weekly risk reports for management. 
• Help review and document assumptions behind models or stress tests and contribute to stress testing exercises. 
• Participate in meetings with first-line teams, noting issues or follow-ups. 
• Help update risk dashboards, limit monitoring tools, or internal documentation. 
• Assist in regulatory or board reporting packs with data gathering and quality checks. 
• Work on a small research piece, such as analyzing funding trends or interest rate sensitivity, to present at the end of the internship. 

Minimum Qualifications

• Currently enrolled in a Master’s degree program in Data Science, Statistics, Finance, Economics, Risk Management, or related quantitative fields.
• Master's degree candidates with an expected graduation date between December 2026 and June 2027.
• Strong coding and data analysis skills in Python, R, SQL (Java/C++ a plus).
• Ability to build and interpret data visualizations and MIS dashboards.
• Knowledge of financial products and basic risk management concepts.
• High attention to detail, organizational skills, and adaptability.
• Good understanding of machine learning algorithms (e.g., gradient boosting machine, XGBoost, neural network), artificial intelligence, deep learning as well as classic statistical modeling techniques and assumptions.
• Proven ability to translate highly technical and complex information into easily understandable terms.
• Superior Microsoft Office skills with emphasis on Excel and PowerPoint.
• Knowledge of analytical and visualization tools like Python, SQL, Tableau, etc.
• Ability to think strategically and influence teammates on multiple, cross-functional teams.

Preferred Qualifications

• Growth mindset and adaptability: eagerness to learn, openness to feedback, and ability to adjust in a fast-paced environment.
• Demonstrated leadership or initiative through academic, professional, or extracurricular activities.
• Strong project management skills, with the ability to prioritize and manage multiple deliverables.
• Additional education, coursework, projects or expertise in areas such as machine learning, data science, financial engineering, advanced quantitative methods, statistics, or economics.
• Previous internships or work experience in financial services, risk management, or data analytics.
• Participation in case competitions, hackathons, or analytics challenges showcasing problem-solving and quantitative skills.
• Demonstrated enthusiasm for financial risk management and a strong interest in using data-driven insights to support decision-making. 
• Knowledge of risk management frameworks and regulatory requirements, especially around Interest rate, FX and Liquidity risk, or regulatory guidance (e.g., SR 11-7).
• Knowledge of NLP techniques (e.g., BERT RASA) and Gen AI models is a plus.
• Ability and interest to understand financial statements, regulations, implications of emerging macroeconomic risks, etc.

Salary Range: $38.45 to $87.00 hourly + sign-on bonus

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

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 
• Flexible working arrangements and schedules with hybrid and virtual options with Amex Flex
• 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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