Joining 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.

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.

What We’re Looking For

4+ years of professional software engineering experience.

Some hands-on experience building or contributing to AI-powered features, LLM-based applications, or applied ML systems (professional or project-based).

Solid engineering fundamentals in at least one backend language (Python, Go, or TypeScript).

Familiarity with APIs, basic cloud concepts, and modern development practices.

Interest in agentic AI systems, autonomy, and AI-assisted development workflows.

Willingness to learn, take feedback, and grow technical ownership over time.

Comfort working in collaborative, cross-functional teams.

A strong customer mindset and curiosity about real-world problem solving.

Preferred Qualifications

Exposure to LLM tooling, prompt engineering, RAG, or agent frameworks through work, coursework, or personal projects.

Internship or early-career experience in fintech or other regulated environments.

Contributions to open-source projects, hackathons, or side projects related to AI or developer tooling.

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

As an AI Engineer III – Agentic AI, you will be a hands-on builder contributing to the development of production agentic AI systems that operate on real financial data and serve real customers.

You will work alongside experienced engineers, product managers, and designers to design, build, and ship AI-powered features, while learning how to operate within a regulated, customer-facing environment. This role offers strong mentorship and opportunities to grow your technical depth in LLMs, agentic systems, and production AI engineering.

This is not a research-only role. You will write production code, contribute to system design discussions, and help operate what you build after launch, with support and guidance from more senior engineers.

What You’ll Do

Contribute to the design and implementation of LLM-powered and agentic product features.
Build and extend agentic AI workflows that reason over context, call tools, and perform actions under guidance from senior engineers.
Help implement and maintain retrieval-augmented generation (RAG) pipelines over financial data, with an emphasis on correctness and safety.
Contribute to shared AI infrastructure such as LLM services, orchestration components, and evaluation or monitoring tooling.
Participate in operating AI systems in production, including monitoring, debugging, and improving reliability and performance.
Collaborate closely with product and design partners, learning to translate customer needs into technical solutions.

Technical Environment

We don’t hire to a narrow checklist, but candidates should be excited to grow in a modern, enterprise-scale engineering environment with a focus on agentic AI.

Core engineering stack

Languages: Python, Go, TypeScript
Cloud and infrastructure: AWS and/or GCP, 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

Schema validation and structured data handling

AI-assisted development

Use of AI-assisted and agentic development tools for design, implementation, testing, debugging, and refactoring

Learning how to apply these tools responsibly while maintaining production-quality 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.

Salary Range: $103750 - $174750 annually + bonus + benefits

About the company

American Express issues credit and pay-in-full charge cards to consumers and businesses, and unlike most card issuers it also runs the payment network its cards use. Its Travelers Cheque, launched in 1891, made carrying money abroad safer, and in 1959 it became the first major issuer of plastic cards. Cardholders earn points toward flights and hotels plus perks such as airport lounges, while companies use its corporate cards for employee travel and expenses. American Express earns a fee from merchants on each purchase, plus annual fees and interest on balances cardholders carry. Henry Wells and William Fargo, who later started Wells Fargo, co-founded it in 1850 as a freight delivery business; it is based in New York City.

Company Size

10,001+

Company Stage

IPO

Headquarters

New York City, New York

Founded

1850

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Simplify's Take

What believers are saying

Customers pay up for premium cards: annual card fee revenue rose 15% to $2.9 billion in the June 2026 quarter.
Hybrid dominates listings: 408 of Amex's 451 roles in October 2026 mixed office and home days.
Room to grow in AI: Amex listed 56 AI and machine-learning jobs among 451 openings in October 2026.

What critics are saying

Stock grants lost value: Amex fell 17% through October 8, 2026; Visa rose 7% over the same period.
Generosity is expensive: rewards, perks and partner payments took 45% of revenue in the June 2026 quarter.
Regulators are watching closely: Amex's bank agreed to a $350 million penalty over money-laundering controls in October 2026.

What makes American Express unique

Merchants pay more than borrowers: merchant fees were 52% of Amex's revenue in the June 2026 quarter, interest 24%.
It leans on one airline: Delta-branded cards were 13% of Amex card spending and 21% of its loans in 2025.
Most staff work outside the US: 50,900 of Amex's 76,800 employees were abroad at the end of 2025.

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Benefits

Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Disability Insurance
Unlimited Paid Time Off
Flexible Work Hours
Hybrid Work Options
Paid Vacation
Paid Sick Leave
Paid Holidays
401(k) Company Match

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American Express

AI Engineer 3 - Agentic AI

About the job