American Express
Johanes (Joe) Widjaja is an experienced professional in credit and fraud risk management, currently serving as a Senior Manager for Credit and Fraud Risk Strategy in Digital Banking at American Express since March 2023. Previously, Johanes held the position of Risk Manager at Katapult and was a Senior Risk Analyst at First Data Corporation, focusing on fraud analytics and data science. Additional experience includes roles as an Analyst in Market and Credit Risk at CME Group, Credit Risk at Barclays Capital, and Finance Internships at Colgate Palmolive, Citi, NYC Department of Correction, and UBS Financial Services. Johanes holds a Master of Science in Analytics from Georgia Institute of Technology and a Bachelor of Business Administration in Finance, Computer Information Systems, and Communication Studies from Baruch College, along with an Associate of Science in Accounting from LaGuardia Community College.
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American Express
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American Express is an integrated payments company. They provide credit and charge cards to consumers, small businesses, mid-sized companies, and large corporations. Additionally, they offer products and insights to aid in business success. They are one of the largest financial services corporations in the world. As a global business, they cater to various customer groups through mobile and online applications, affiliate marketing, customer referral programs, third-party serve providers, business partners, direct mail, telephone, in-house sales, and direct response advertising. Their customers consist of consumers, travelers, businesses, merchants, and partners. With each customer, American Express works to amplify the power of every transaction. Their global headquarters is based in NYC, however, they operate in over 110 countries with 55 total office locations worldwide. They estimate around 60,000 colleagues are stationed around the world. American Express primarily engages in three operating segments: Global Consumer Services Group, Global Commercial Services, and Global Merchant and Network Services. They function together through their Integrated Payments Platform. Their Integrated Payments Platform allows American Express to analyze information on Card Member spending and build analytical tools to underwrite risk, reduce fraud, and provide targeted marketing for merchants. Their card-issuing business offers a broad set of card products to a diverse consumer and commercial customer base. Their merchant-acquiring business builds and manages relationships with merchants that choose American Express cards. This includes signing new merchants to accept their cards and handling servicing for merchants. Lastly, their Card Network Business establishes and maintains relationships in 103 countries with third-party banks to extend the reach of their global network.