Internship Merchant Risk Analyst Jobs in Princeton, NJ

Business Unit/Role Specific Information

Global Merchant & Network Services brings together American Express' merchant and network-related businesses. This includes the management of our relationships across the globe with both the millions of merchants who accept American Express, as well as our partners in countries and territories that deliver card acceptance, issuance and innovation.

About American Express Global Merchant & Network Services 

The American Express business has two core types of customers. The Card Members that use our cards to make purchases, and the businesses that accept them. In Global Merchant & Network Services, we primarily focus on the businesses that accept our cards. We bring together the businesses that manage and evolve the company's relationships with the millions of merchants around the world that accept American Express, as well as the team that runs the company's payment network and manages bank partnerships globally. This is an exciting time for GMNS. We are expanding global acceptance of our cards, driving greater usage of our network, leveraging our modern capabilities to capture broader revenue streams, and driving innovation both in-house and with partners. To put the scale of our global reach in numbers: 

         More than 80 million global locations accept American Express payment products 

         We operate in 198 countries and territories 

         We have 135+ million cards in force, that perform 12 billion transactions per year and contribute more than $1.5 trillion in network volume 

         We have 190+ partners who either issue cards on our network, and/or sign new businesses to accept Amex on our behalf 

This internship experience will offer you the opportunity to be part of an innovative and passionate team focused on making American Express an indispensable payments partner to our merchants, delivering differentiated products and services and driving revenue growth for both merchants and American Express. 

The Global Merchant & Network Pricing (GMNP) team is responsible for the single largest source of revenue for American Express: Merchant discount revenue. The team works closely with multiple business partners to determine pricing structures that encourage merchant acceptance of American Express, while striving to improve coverage and merchant satisfaction. Ultimately, the team drives merchant revenue and profit growth through customer-centric pricing principles, flexible pricing architecture, and innovative pricing solutions. 

The Undergraduate Summer Internship Pricing Analyst position is responsible for providing analytical support for strategic merchant pricing initiatives. This position will work alongside stakeholders in the Pricing and Client Management organizations in a fast-paced environment to support high-profile projects that have significant impact on 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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

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

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 out Colleague Benefits Site.

The below 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.

Minimum Qualifications 

• Currently enrolled in a full-time bachelor's degree program 
• Bachelor's degree candidates with an expected graduation date between December 2027 and June 2028.

Preferred Qualifications 

• Aptitude for analytics with an ability to develop financial models and provide insights from data 
• Strong collaboration skills and the ability to build relationships with others 
• Creative thinker who is willing to question traditional ways of doing things 
• Ability to excel in a fast-paced, dynamic team environment, which places a premium on driving results 
• Ability to handle multiple requests and take feedback on prioritization accordingly 
• Proficiency with Excel and other MS Office products 
• SAS/ SQL a plus 

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

What type of work can you expect to do in Pricing at American Express? 

This is an excellent opportunity for an individual to gain knowledge of the payments industry, as well as exposure to and insight from stakeholders across American Express. The intern should be a dynamic individual who can partner closely with their team and business partners. Key responsibilities include:  

• Support development of pricing approaches or constructs based on quantitative data analysis 
• Leverage internal and external data, competitive intelligence, and industry research to inform pricing approaches and maintain pricing integrity 
• Evaluate business cases for various merchant pricing scenarios, model P&L impacts, and perform sensitivity analyses to support decision-making 
• Build relationships with partners in the Client Management organization to achieve stated goals