VP/LFO, Rewards Finance | American Express

Location: New York, NY / Hybrid | Work Mode: Amex Flex (Hybrid/Onsite) | Salary: $176,750 – $282,000 | Posting date/time : February 6, 2026

Job Description

About the Role

The VP/LFO (Lead Financial Officer), Rewards Finance leads a team responsible for the planning, reporting, forecasting, and analytics for one of the largest P&L items at American Express. This high-visibility role involves overseeing US Rewards and Global Ultimate Redemption Rate (URR) models, working at the intersection of Finance, Technology, and Business leadership.

Key Responsibilities:

• Lead all planning, forecasting, and predictive modeling efforts for Global Rewards programs.
• Provide strategic decision support to senior leaders regarding reward program profitability and liability management.
• Maintain robust financial rigor and governance over Global URR models, ensuring compliance with oversight agencies.
• Build trust-based relationships with Business Partners, Technology, Controllership, and Governance teams.
• Drive advanced analytics to identify trends in Card Member behavior and reward redemption patterns.
• Lead, mentor, and develop a high-performing finance team in a dynamic, high-pressure environment.

Minimum Qualifications:

• Highly motivated leader with a proven ability to drive results independently.
• Extensive experience in financial planning and analysis (FP&A), modeling, and strategic leadership.
• Strong communication skills with the ability to influence senior executive stakeholders.
• Comfort with ambiguity and solving complex financial problems.

Job details made easy by trendtoday360

Position: VP – Finance (Rewards & Loyalty Analytics)
Compensation: $176,750 – $282,000 (Base) + Bonus + Equity
Core Focus: P&L Management, URR Modeling, Decision Support

✅ Job Summary and Focus:

American Express is seeking a Strategic Financial Architect to manage its most significant cost center: Membership Rewards. The focus of this role is Liability Management and Predictive Analytics. Because Rewards are a major driver of customer loyalty and spend, the VP/LFO must balance “outstanding reward programs” with robust financial rigor. You will be the primary authority on the Ultimate Redemption Rate (URR), a critical metric that determines how much capital Amex sets aside. This role requires a unique blend of Actuarial-style modeling and Executive Leadership.

📌 Key ATS Resume Keywords:

VP Finance, LFO, Rewards Finance, FP&A, URR Modeling, Ultimate Redemption Rate, P&L Management, Liability Forecasting, Predictive Modeling, Financial Governance, Decision Support, American Express, Loyalty Analytics, Strategic Planning.

💰 Compensation and Industry Demographics:

The expected base salary for this New York-based VP role is $176,750 to $282,000, which is typical for a Lead Financial Officer position in a Tier-1 financial services firm.

In the context of the U.S. Financial Services Executive and Finance workforce for 2025-2026:

• Racial Representation in Financial Management (U.S.): Based on 2025 industry labor statistics for “Financial Managers” (including VPs and Directors):
  • White: 68.2%
  • Asian: 16.4%
  • Hispanic or Latino: 8.9%
  • Black or African American: 6.5%
• Gender in Senior Finance Roles: Women currently represent approximately 32% of VP-level and above roles in major U.S. investment and credit card firms, though American Express is frequently recognized for its commitment to leadership diversity and inclusion.
• Market Trends: In 2026, the demand for “Loyalty Quants”—finance leaders who specialize in Predictive URR and behavioral modeling—has increased by 15% as credit card issuers compete to optimize rewards costs during shifting economic cycles.

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