Swisscard AECS is a joint venture between Credit Suisse AG and American Express. Swisscard AECS is the only company in Switzerland to offer the world leading credit card brands American Express, MasterCard and Visa from a single source, in the name and on behalf of Credit Suisse AG. Customers managed by Swisscard AECS have the largest choice of credit card products on the Swiss market. Thanks to the different product ranges, customers can put together a personalized combination of cards.

Swisscard AECS was established as a joint venture between Credit Suisse AG and American Express in 1998. The company handles product development, sales and marketing, customer service and card processing in Switzerland on behalf of the card issuer Credit Suisse AG. As a merchant acquirer, Swisscard AECS is also responsible for expanding and handling the American Express network of points of acceptance in Switzerland.

Swisscard AECS combines the strengths of its two parent companies in the credit card business, with American Express being the global leader as far as card management is concerned and Credit Suisse AG owning strong national sales channels.

As a merchant acquirer for American Express, Swisscard AECS’s job is to guarantee that the customers can use their card wherever they want all over Switzerland. SIX (formerly Telekurs) and Aduno are primarily responsible for acquiring MasterCard and Visa in Switzerland.

Banking

Credit

Swisscard AECS

Swisscard AECS' headquarters in Horgen, Switzerland

This department focuses on the design, development, and maintenance of software applications.

Software Development

The Product Management team at Swisscard AECS is responsible for developing and managing the diverse range of credit card products offered to customers. This includes creating tailored solutions for various market segments, ensuring product compliance with regulations, and enhancing user experiences through innovative digital payment options. The team collaborates closely with stakeholders to drive product strategy, manage projects, and implement best practices in product execution for both the premium offerings and co-branded products.

Product Management

The Risk and Compliance team at Swisscard AECS is responsible for identifying, assessing, and managing risks associated with credit card operations, ensuring adherence to regulatory standards and internal policies. This team conducts risk analyses, develops mitigation strategies, and monitors compliance with financial regulations, anti-fraud measures, and ethical standards. By doing so, they protect the company’s interests and maintain trust with customers and partners in the financial ecosystem.

Risk and Compliance

The IT and Security Operations team at Swisscard AECS is responsible for ensuring the integrity, efficiency, and security of the company's IT infrastructure. This team manages everything from system engineering and network security to disaster recovery and IT service support, enabling seamless operation of credit card services. They play a crucial role in safeguarding sensitive customer data and optimizing IT performance, helping to maintain Swisscard AECS's reputation as a leader in the financial services industry.

IT and Security Operations

The Marketing and Customer Engagement team at Swisscard AECS is responsible for developing and executing marketing strategies to enhance brand visibility and drive customer retention. This team leverages digital platforms to acquire new customers and engage existing ones through tailored campaigns, focusing on customer experience and loyalty programs. By collaborating with various departments, they ensure that customers receive exceptional service and support, ultimately contributing to the growth of the credit card business in Switzerland.

Marketing and Customer Engagement

This department oversees the implementation and management of Agile methodologies to enhance project delivery and team collaboration.

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Product Management

Risk and Compliance

IT and Security Operations

Marketing and Customer Engagement

Agile Delivery