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Executive Committee & Directors

David Nigro

David Nigro, Chief Credit Officer, American Express
Colleague Since'88

David Nigro is the Chief Credit Officer of American Express. As CCO, David is responsible for the enterprise’s credit, fraud, and predictive decisioning functions. He is also a member of the American Express Executive Committee, which develops the company’s strategic direction and determines its key policies.

As Chief Risk Officer, David is responsible for overseeing the company’s risk profile, ensuring safety and soundness, and maintaining the company’s control and compliance environments. He leads the teams that provide independent critical oversight and governance of enterprise risks. As part of these responsibilities, his teams also manage regulatory exams end-to-end along with the Global Privacy Program.

Previously, David was the Chief Risk Officer of American Express and American Express National Bank (AENB), as well as head of the Global Risk and Compliance organization. As CRO, he was responsible for independent oversight of risk types facing the Company, ensuring safety and soundness and maintain company-wide risk appetite framework. Prior to his role as CRO David was Chief Credit Officer for the U.S. Consumer business and EVP of Credit and Fraud Risk Capability responsible for risk management for U.S. Consumer Services.

David has extensive experience in managing through business cycles and market discontinuity with a deep understanding of the consumer and small business lending industry. He led the enhancement and expansion of the company’s Financial Relief Programs globally and played a key role in delivering best-in-class credit performance both before and during the COVID-19 pandemic.

David started his career at American Express in 1988 as part of the U.S. Consumer Finance business analysis team and has served in various leadership roles of increasing importance across the finance, credit, fraud and risk management organizations globally.

David earned a Master’s in Business Administration in Finance from NYU and a Bachelor of Science in Business Administration from Villanova University. David currently lives in New York with his wife and their two daughters.