American Express Organizational Structure & Org Chart
American Express reports four segments: U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services. Its distinguishing structure is that one company both issues cards and runs the network that settles them.
American Express Company organizational chart
American Express Company's reporting structure as of 2026-11. Drag to pan, scroll to zoom — or open it in QueryChart and edit it as your own.
- Industry
- Payments and card services
- Headquarters
- 200 Vesey Street, New York, New York, United States
- Founded
- 1850
- Employees
- Approximately 76,800 (December 31, 2025)
- CEO
- Stephen J. Squeri
- Revenue
- $72.2B revenues net of interest expense (2025)
- Ownership
- Public
- Structure as of
- 2026-11
- Structure last reviewed
- 2026-11-04
About the company
American Express serves consumers, small businesses and corporations with card, payment and travel-related products and operates a payments network that processes and settles transactions across the globe. For 2025 it reported revenues net of interest expense of $72.2 billion, up 10 percent, and net income of $10.8 billion. Billed business reached about $1.67 trillion.
The fiscal 2025 Form 10-K lists four reportable segments plus Corporate and Other. This chart uses them as its top level and places the group presidents named in the filing beside them. It does not show a full reporting-line hierarchy, which the company does not publish.
Four segments around one network
U.S. Consumer Services covers premium consumer card and banking products in the United States. Commercial Services provides card and payment products for businesses from small companies to large corporations, and the filing says small business and corporate clients account for about 41 percent of worldwide billed business.
International Card Services issues cards outside the United States. Global Merchant and Network Services handles merchant acquiring, processing and fraud-prevention services plus network services, including relationships with third-party banks and institutions in about 110 countries and territories whose partners are licensed to issue American Express-branded cards.
The company ended 2025 with 86.6 million proprietary cards in force and 66.2 million issued by third parties. Cobrand portfolios, led by the Delta agreement running through 2029, made up about 26 percent of billed business, a concentration the filing calls out and one that sits across segment lines.
Key leadership roles
Stephen J. Squeri
Chairman and Chief Executive Officer
Christophe Le Caillec
Chief Financial Officer
Howard Grosfield
Group President, U.S. Consumer Services
Raymond Joabar
Group President, Global Commercial Services
Anna Marrs
Group President, Global Merchant and Network Services
Rafael Marquez
President, International Card Services
Douglas Tabish
Chief Risk Officer
How this structure supports the business
Pairing issuing segments with a merchant and network segment mirrors the business model: the company earns from cardholders, from merchants and from network partners at once.
Group presidents lead consumer, commercial and merchant-network businesses while shared services, technology and risk sit at enterprise level, so product teams can focus on a customer type.
Advantages and disadvantages
- Owning issuing, acquiring and network gives direct data and control over the customer and merchant experience.
- It carries credit risk and the cost of rewards, and the network is smaller than the largest card networks.
- Customer-type segments keep consumer, small business and corporate propositions distinct.
- Cobrand partners, rewards and technology are shared, so segment boxes overlap in practice.
Interesting facts
- The company was founded in 1850 and incorporated in 1965 as a New York corporation.
- 2025 revenues net of interest expense were $72.2 billion; net income was $10.8 billion.
- Worldwide billed business was about $1.67 trillion in 2025.
- The 10-K ranks it as the fourth largest general-purpose card network by purchase volume.
- About 91 percent of participating colleagues said they would recommend it as a great place to work.
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Frequently asked questions
What are American Express's reportable segments?
U.S. Consumer Services, Commercial Services, International Card Services, and Global Merchant and Network Services.
Who is the chief executive of American Express?
Stephen J. Squeri is chairman and chief executive officer, per the executive officers listed in the 2025 Form 10-K.
How many people work at American Express?
About 76,800 at December 31, 2025, roughly 25,900 in the United States and 50,900 elsewhere.
Use this org chart template
Open the dated American Express business map in QueryChart and adapt the editable groups to your own organization.