Sr. Product Manager - AI Innovation & Research - Personal Financial Management

About the role

Amex Digital Labs’ mission is to build the future of payments and membership, creating new value that evolves with our customers' needs and drives deeper engagement and loyalty. We leverage emerging technologies to deliver innovations that enhance how customers pay, travel, dine, and experience the brand.

Responsibilities

• Partner deeply with engineering teams to understand and develop a perspective on how to apply evolving technologies (e.g., Model Context Protocol, Agent-to-Agent Protocol) for AI agent-facilitated financial management and account servicing experiences, including areas such as account insights, transaction management, payments, transfers, and product engagement.
• Partner with internal business and platform teams to catalogue, permission, and prepare their assets and capabilities for use within LLMs by defining schemas, metadata, and access controls, including transaction data, account information, servicing capabilities, product inventory, eligibility frameworks, and offer-related experiences.
• Balance the needs of customers, internal stakeholders, leadership, and partners to define product features, user stories, acceptance criteria, user experience, product roadmap, and backlog based on available strategic assets, with an emphasis on helping Card Members better understand and manage their financial relationship with American Express.
• Partner with engineers and solutions architects to identify technical solutions, assess technical tradeoffs, define specs, and deliver product features and platform capabilities to continually iterate on the American Express MCP servers that power these Membership experiences.
• Partner with internal stakeholders such as Legal, Compliance, Risk, and Information Security teams to develop and adhere to data governance principles that ensure American Express assets, customer data, and servicing capabilities are surfaced in a compliant, secure, and responsible way.
• Set and supervise development and release timelines, navigate intricate dependencies, and communicate impacts to partners.
• Evaluate LLM-based experiences that use proprietary American Express assets to ensure accuracy, appropriate orchestration, personalization, and adherence to guardrails, particularly in customer-facing scenarios involving financial information, account servicing, product recommendations, and offer experiences.
• Support Business Development and Marketing teams with go-to-market strategy and execution, including partnerships that extend and enhance Personal Financial Management experiences across AI-powered ecosystems.

Qualifications

• Passion for technology with a clear customer focus; strong communication skills and the ability to provide clarity and direction across teams.
• 4+ years' experience in product development/management or software engineering in AI, digital products, financial services, fintech, servicing, or partner-enabled customer experiences; familiarity with GenAI concepts such as Retrieval-Augmented Generation (RAG) a plus.
• Strong working knowledge of technologies relevant to building third-party integrations such as OAuth and Software Development Kits (SDKs).
• Enthusiasm for exceptional products and services; deep customer empathy, familiarity with customer research methods, keen product intuition, and ability to articulate product functionality, ideally with exposure to financial management, account servicing, payments, lending, or digital banking experiences.
• Builds relationships quickly; secures buy-in and influences key stakeholders.
• Reconciles competing needs across customers, stakeholders, and partners; gathers information, assesses trade-offs and risks, gains buy-in, makes informed decisions, and supports them with evidence.
• Curious and entrepreneurial; learns how things work to make connections and find opportunities; moves fluidly between strategy and detail.
• Creative within a highly regulated financial-services environment.
• Team player, comfortable with ambiguity, and highly organized.

Benefits

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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