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Episode 971

American Express: Scaling AI with Trust, Governance, and Continuous Modernization

April 28, 2025
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About the Guest

Ravi Radhakrishnan

EVP and Chief Information Officer of American Express
Ravi Radhakrishnan is the Executive Vice President and Chief Information Officer of American Express, where he oversees global technology delivery, operations, platforms, and services. His role expanded to include product management for core enterprise platforms and leadership of the Chief Data Office. Prior to joining Amex in 2022, Ravi held senior technology leadership positions at Wells Fargo, including Enterprise CIO. He is a member of the American Express Executive Committee and plays a pivotal role in driving the company's technology strategy, AI governance, and continuous modernization efforts.

Episode Overview

“Technology at American Express provides the foundation for everything we do at the company,” shares Ravi Radhakrishnan, EVP & CIO of American Express, as he outlines the company’s AI strategy, continuous modernization philosophy, and data-driven customer focus.

In this episode, Ravi offers an inside look at how American Express is evolving its technology foundation to power trust, security, and world-class service. From AI governance to the Intuitive Servicing Portal, he breaks down key strategies shaping the company’s digital future.

Key highlights:

  • Continuous modernization through foundational technology reuse

  • AI governance via a Generative AI Council and risk frameworks

  • Data as a strategic asset for fraud detection and customer personalization

  • Curating a diverse AI ecosystem with flexible enablement layers

  • Future trends in AI, including agentic AI and quantum intersections

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