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J. Andres Espinosa

Executive Committee

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J. Andres Espinosa, Chief Credit Officer and Executive Vice President, Credit and Fraud Risk
Colleague Since'94

Andres Espinosa is Chief Credit Officer and Executive Vice President, Credit and Fraud Risk, overseeing credit quality and fraud controls at American Express. Andres is committed to driving growth with excellent risk-adjusted margins and continuing to deliver best-in-industry credit and fraud results through disciplined execution and continuous innovation. Andres is passionate about building strong teams, promoting collaboration across lines of business, and developing the next generation of exceptional credit and fraud risk leaders. Andres is a member of the company's Executive Committee, Enterprise Risk Management Committee and is executive sponsor of the Hispanic Executive Leadership diversity network.

Serving as the Chief Credit Officer since 2015, Andres has been driving revenue growth along with industry-leading credit and fraud results while also leading a complete machine leaning transformation of the company’s credit risk capabilities.

Previously, Andres served as Chief Credit Officer for U.S. Consumer Products & Services (CPS), where he was a champion for innovation in credit control and Card Member experience. He also led the Information Management group to advance risk capabilities and innovate tools to enable commerce between Card Members and merchants. Prior to that, Andres held positions of increasing responsibility in international lending, international marketing, and new Card Member acquisition for CPS, where his team expanded online card acquisitions.

Andres earned a doctorate in economics from North Carolina State University and holds an MS in agricultural economics and a BS in animal science, both from Kansas State University. Andres was born in Ecuador and currently resides in Montclair, New Jersey, with his wife and three children.