Apprentice

Job Description

Global Merchant & Network Services (GMNS) brings together American Express' merchant- and network-related businesses to deliver differentiated value to merchants, partners and Card Members. The organization manages relationships with merchants that accept American Express, operates the company’s payment network and supports bank partnerships globally.

In support of GMNS’s mission, Global Governance, Risk, Remediation, and Operations is focused on building a resilient and efficient operational foundation for critical merchant experiences, strengthening oversight of merchant and network processes, and advancing operational excellence. As part of this organization, Global Merchant Account Operations & Resilience supports effective oversight of merchant account setup, account management and maintenance activities.

The team is improving how merchant accounts, account relationships and critical merchant data are maintained, governed and scaled throughout the merchant lifecycle. This includes hierarchy information, cancellation information, account classifications and other key data attributes used across American Express. The team strengthens data quality and controls, simplifies operational processes, and explores automation, analytics and AI-enabled approaches that reduce manual effort and improve servicing outcomes.

As an apprentice, you will support well-defined transformation and operational-improvement assignments across merchant hierarchy, account maintenance, governance, controls and automation. You will gain practical experience in business analysis, data analysis, process documentation, testing and cross-functional delivery while working under the guidance of experienced colleagues.

The apprentice will provide incremental capacity to progress well-defined initiatives that improve account maintenance, data integrity and governance, while enabling experienced colleagues to remain focused on higher-complexity priorities and delivery. The ideal candidate will demonstrate analytical curiosity, clear communication and an interest in solving data and operational challenges.

This is an apprenticeship position hired under the Apprentices Act. The apprentice will complete structured, supervised work and learning assignments with support from experienced colleagues.

Responsibilities

Key responsibilities

• Learn merchant account maintenance and hierarchy processes, and document process steps, data requirements, pain points and improvement opportunities.
• Support analysis of merchant and operational data to identify patterns, data-quality gaps, control weaknesses and opportunities for process improvement.
• Assist with defined automation, analytics and AI-related activities, including research, requirements documentation, process mapping, testing, issue tracking and results measurement.
• Help maintain governance materials, project plans, action trackers, decision guides, standard operating procedures, business requirements and decision logs.
• Support the assessment and design of scalable account-maintenance capabilities for high-volume updates, including common-value changes, account-specific changes, structural migrations and rules-based remediation.
• Help document and test requirements for validations, approvals, audit trails, exception handling and rollback to support controlled account-maintenance activity.
• Assist with reviewing account-assignment rules and system dependencies to identify restrictions that may disrupt servicing, and support improvements that strengthen maintenance accuracy and data integrity.
• Support consistent global oversight and governance for proactive account cancellations, including process documentation, ownership, controls, monitoring and reporting.
• Help maintain and improve inventories of critical merchant data elements, supporting information and decision guidance.
• Assist with investigating and remediating data issues through structured analysis, documentation, change coordination and outcome validation.
• Support the development of controls and monitoring that improve the accuracy and completeness of merchant information during account setup and ongoing maintenance.
• Assist with data extraction, transformation, analysis and reporting using Excel, SQL or other available tools, and help define measures used to evaluate outcomes and identify trends.
• Work alongside technology and analytics colleagues on AI-enabled tools that help users better understand merchant information and make more consistent data-selection decisions.
• Help prepare user guidance, training materials and communications that support consistent account-maintenance and data-selection decisions.
• Work with Operations, Product, Technology, Analytics and Control Management colleagues to gather information, document requirements and follow up on agreed actions.
• Prepare clear analyses, project updates, reports and presentation materials under guidance from experienced team members.
• Provide limited operational support where needed to build practical understanding of processes and validate proposed improvements.

Qualifications

Minimum qualifications

• Bachelor's degree in business, Engineering, Computer Science, Information Technology, Analytics, Finance, Economics, Mathematics, Statistics or a related discipline.
• Recent graduate with less than 11 months full-time professional experience.
• Ability to commit to the applicable apprenticeship duration: 12 months.
• Basic analytical and structured problem-solving skills, with the ability to organize information and draw logical conclusions.
• Clear written and verbal communication skills and the ability to work collaboratively in a team environment.
• Attention to detail, curiosity, learning agility and willingness to take feedback.
• Basic proficiency in Microsoft Excel and PowerPoint.

Preferred Qualifications

• Academic, internship or project exposure to business analysis, data analysis, process improvement, governance, controls, automation or project coordination.
• Familiarity with SQL, Python, data-analysis libraries, Power BI, Tableau, Big Query or similar analytical tools is an advantage, but not required.
• Exposure to process mapping, requirements gathering, testing or documentation through coursework, internships or projects.
• Interest in AI, automation, risk management, payments, merchant operations, financial services or large-scale operational environments.

Benefits

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• Cab facility
• Free meals
• Flexible working model with hybrid arrangement
• Training and development opportunities

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. Offer of contractual employment as an Apprentice with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. Apprentices will be required to abide by Blue Box values and always maintain Code of Conduct.

About Us

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.