Campus Graduate Summer Internship Program - 2026 Global Decision Science, Credit & Fraud Risk - New York, NY na American Express

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

The Credit and Fraud Risk (CFR) team at American Express employs 3,500 global professionals focused on managing credit, fraud, and banking risk, optimizing risk trade-offs while delivering exceptional customer experiences. CFR’s work spans the entire customer lifecycle, supporting core processes like credit underwriting, fraud detection, servicing, and product development while also maintaining regulatory compliance and operational integrity. CFR leverages advanced analytics, data science, and AI/ML techniques to drive risk modeling, personalize decisions, and enhance customer experiences.

The Data Science Intern will support the development of predictive models used across credit, fraud, and marketing to inform key business decisions. They apply statistical techniques and machine learning to real-world datasets, contributing to innovation in areas like customer personalization, risk management, and regulatory compliance.

How will you make an impact in this role?

• Query and manipulate large datasets using tools like SQL, Hive, and Python.
• Build and test predictive models using machine learning techniques (e.g., logistic regression, decision trees, clustering).
• Document modeling choices and provides rationale for algorithm selection.
• Translate business goals into technical requirements and analytical questions.
• Develop a clear and structured final presentation that communicates the project’s purpose, methods, insights, and business impact.
• Analyze current decisioning models, develop and implement a plan to improve model prediction accuracy.
• Improve automation of customer connects via a GenAI enabled chatbot tool.
• Use deep learning to uncover hidden trends in fraud and credit bust-out.

• Programming (Python or R) – Writing scripts for data analysis, modeling, and automation.

   

Minimum Qualifications:

• Currently enrolled in a full-time PhD, Masters  or Graduate degree program
• Graduate degree candidates with an expected graduation date between December 2026 and June 2027
• Effective team player with interpersonal skills; capable of working autonomously or collaboratively in cross-functional teams.
• Proficiency in the following skills:
  • Programming (Python or R) for data analysis, modeling, and automation;
  • SQL/Hive – Querying large-scale datasets efficiently.
  • AI Techniques – Experimenting with modern AI methods, including neural networks and natural language processing.
  • Machine Learning Hands-on experience in machine learning algorithm development or application
  • Statistical Analysis – Interpreting data using descriptive and inferential statistics.
  • Cloud & Big Data Tools – Basic experience with cloud platforms and distributed data systems.
  • Strategic mindset, that connects work to broader strategy and suggest ideas to enhance scalability and impact

Preferred Qualifications

• Graduate students enrolled in one of the areas below areas or related fields:
  • Computer Science
  • Statistics
  • Data Science
  • Mathematics
  • Artificial Intelligence
• 2 years minimum work experience using sophisticated analytical and machine learning techniques
• Prior experience, taking initiative to establish or lead an on-campus student organization
• Proven deep analytical skills with the ability to design new decisioning models or develop innovative tools
• Skilled in delivering presentation to wide-ranging audience

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 work 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 counselling 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.

US Job Seekers - Click to view the “Know Your Rights” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster