Andrés Espinosa is Chief Credit Officer (CCO) of American Express, a role he assumed in 2015. As CCO, Andrés is responsible for the enterprise’s credit, fraud, and predictive decisioning functions. Under his leadership, American Express has outpaced competitor revenue growth, while maintaining fraud and credit loss rates that are half of the industry average. He is also a member of the American Express Executive Committee, which develops the company’s strategic direction and key policies.
Since commencing his career at American Express in 1994, Andrés has served in a wide range of roles across revenue management and risk management functions. Throughout his tenure, Andrés has collaborated with enterprise partners to fundamentally transform the company’s infrastructure and strategies, including successfully upgrading core decisioning engines to incorporate cutting edge machine learning technology.
A native of Ecuador, Andrés is deeply committed to advancing equitable economic opportunities and serves as a board member for the Hispanic Scholarship Fund. Andrés is also passionate about mentoring the next generation of leaders and works as an executive sponsor for the Hispanic Origin and Latin American Council at American Express.
A firm believer in continuing education, Andrés holds a doctorate degree in economics from North Carolina State University, a Master of Science degree in agricultural economics from Kansas State University, and a Bachelor of Science degree in animal science from Kansas State University.
Andrés resides in New Jersey with his wife and their three children.