Job DescriptionJoining Amex Tech means discovering and shaping your contribution to something big. Here, you can work alongside talented tech teams and build a unique career with the Powerful Backing of American Express. With a range of opportunities to work with the latest technologies, and a commitment to back the broader engineering community through open source, our mission is to power your success. Because Amex Tech is powered by our technology, our culture, and our colleagues.
The Technology organization enables and accelerates the company's growth strategies, delivering global capabilities and services in support of Amex's customers and colleagues, while maintaining 24/7 servicing and availability to ensure an uninterrupted, high-quality customer experience. Technology provides the foundation for everything we do in the company while driving differentiation through building and leveraging innovative technology and data insights.
The U.S. Consumer Services and Membership Digital Experiences Technology team (USCDT) brings together foundational strategic technology capabilities in digital experience engineering (Mobile and Web), marketing and advertising technology, enterprise communications, travel and lifestyle, and dining technology. It employs a ground-breaking focus with development responsibilities for customer-facing capabilities that deepen and expand digital engagement, as well as core technical capabilities that cut across business lines and customer segments.
The Personalization, Brand, and Communications Technology (PBCT) team, within USCDT, brings together many of our targeting efforts and stitch together multiple connections that customers have with you.
At American Express, AI is reshaping the future of commerce and redefining the experiences our commercial customers and card members expect. Within Amex Technology, we are building platforms, products, and governance that enable agentic AI systems to operate responsibly and at scale across the enterprise.
Our focus is on agentic AI development: designing intelligent, adaptive systems that can plan, reason, and act across complex workflows with appropriate levels of autonomy. These systems power autonomous workflows, decision support, and customer-facing experiences-while meeting the high standards for security, explainability, reliability, and compliance required in financial services.
We partner closely with product, design, and business teams to deliver agentic capabilities that reduce operational friction, improve decision-making, and transform how customers interact, transact, and grow.
The RoleAs a Senior AI Engineer, you will be a core builder responsible for turning complex, ambiguous problems into production-grade agentic systems that operate on real financial data, serve real customers, and meet real regulatory requirements.
You will work end to end: shaping solutions with product and design, building and shipping production code, and owning what you deliver after launch. The scope of this role spans customer-facing LLM-powered features, agentic systems that automate financial workflows, and internal AI capabilities that enable other engineers to build with AI safely and efficiently.
This is not a research-only role. We are looking for engineers who are comfortable operating with autonomy, exercising sound judgment, and pushing the technical envelope within the realities of a regulated financial environment.
Responsibilities- Design, build, and ship LLM-powered and agentic product features that change how customers manage their finances.
- Build agentic AI systems that reason over context, invoke tools, take real actions, and recover gracefully from failure.
- Architect and implement production-grade RAG pipelines over sensitive financial data, with strict requirements for correctness, auditability, and safety.
- Contribute to shared AI infrastructure, including LLM services, agent orchestration frameworks, and evaluation and monitoring tooling, that scales agentic development across Amex Technology.
- Own the systems you build in production, including reliability, latency, cost, and failure modes.
- Work closely with product and design partners; engineers in this role are expected to think in terms of customer outcomes, not just technical execution.
Technical EnvironmentWe don't hire to a narrow checklist, but candidates should be comfortable operating in a modern, enterprise-scale environment with a strong emphasis on agentic AI.
Core engineering stack- Languages: Python, Go, TypeScript
- Cloud and infrastructure: AWS and/or Google Cloud Platform, Kubernetes
- APIs and services: REST, gRPC
- Distributed systems: event-driven architectures, including Kafka
Agentic AI and ML- Commercial and open-source LLMs integrated into agentic workflows
- Tooling for agent orchestration, retrieval-augmented generation, vector storage, and evaluation
- Strong schema, validation, and state management practices
AI-assisted development- Fluency with AI-assisted and agentic development workflows for design, implementation, testing, debugging, and refactoring
- Thoughtful use of these tools while maintaining production-quality engineering standards
All systems are built to meet high standards for reliability, security, and auditability, reflecting the responsibility of deploying autonomous AI in a financial services environment.
Qualifications- 5+ years of software engineering experience, including meaningful production experience with LLMs or applied ML systems.
- A track record of shipping AI-powered or agentic systems that real users depend on.
- Strong engineering fundamentals across backend systems, APIs, data pipelines, and cloud infrastructure.
- Hands-on experience with modern LLM tooling and agentic patterns and architectures.
- Fluency with AI-assisted and agentic development workflows.
- Strong sense of ownership and sound technical judgment.
- Comfort operating with ambiguity and turning it into shipped reliable product.
- A strong product mindset and customer orientation.
Preferred Qualifications- Experience building agentic systems in fintech or other regulated industries.
- Experience as a founding engineer or early technical contributor in high-growth environments.
- Demonstrated ability to ship technically complex systems in regulated contexts that customers actively rely on.
- Meaningful open-source contributions, particularly in AI or developer tooling.
Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain position
About UsAt 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.
About the TeamWe 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
- Bonus incentives
- 6% Company Match on retirement savings plan
- Free financial coaching and financial well-being support
- Comprehensive medical, dental, vision, life insurance, and disability benefits
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
- 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 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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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.
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