H.M. Grosfield serves as President of U.S. Consumer Services at American Express, where they lead a dynamic team responsible for delivering innovative consumer products and services to millions of cardmembers across the United States. With over 25 years of experience in financial services, Grosfield began their career at Citigroup, rising through the ranks in consumer banking and product development. Their early roles focused on credit risk management and digital strategy, honing a keen ability to blend data-driven insights with customer-centric innovation. Grosfield joined American Express in 2012 as Vice President of Consumer Products, quickly advancing to Senior Vice President and then Executive Vice President. Key achievements include spearheading the launch of the Amex Platinum Everyday Card, which captured significant market share among everyday spenders, and driving a 30% increase in consumer engagement through personalized rewards programs powered by AI analytics. Under their leadership, U.S. Consumer Services has consistently outperformed industry benchmarks in customer satisfaction, earning accolades such as J.D. Power's highest ranking in customer service for credit cards multiple years running. Today, as President, Grosfield oversees a portfolio exceeding $200 billion in annual spend volume, focusing on expanding Membership Rewards, enhancing digital experiences via the Amex app, and fostering sustainable growth amid evolving consumer behaviors. A recognized thought leader, Grosfield frequently speaks at industry forums like Money20/20 and serves on the board of the Consumer Financial Protection Bureau's advisory council, championing financial inclusion and responsible lending practices.