Raymond Joabar

Group President, Global Commercial Services American Express

Last Reviewed: October 3, 2026

Executive Summary

Raymond Joabar has been Group President of Global Commercial Services at American Express since February 2025. He oversees the company’s U.S. small and medium enterprise and global commercial card portfolios, its B2B payments, working capital and spend management businesses, and its global customer service operations for consumers, commercial clients and merchants. Joabar joined American Express in 1992 and has worked across its businesses, including as a senior vice president in U.S. small business cards, executive vice president of global credit administration and of the global servicing network, president of international consumer services and travel, chief risk officer from 2019 and group president of global merchant and network services from 2021. He has run risk, servicing, merchant and commercial businesses at the company.

Career Highlights

• Group President, Global Commercial Services, at American Express since February 2025.
• Group President, Global Merchant and Network Services, 2021 to 2025.
• President, Global Risk and Compliance, and Chief Risk Officer, 2019 to 2021.
• President, International Consumer Services and Global Travel and Lifestyle Services, 2018 to 2019.
• Joined American Express in 1992.

Professional Journey

Joabar joined American Express in 1992, according to its 2026 proxy, and early in his career was a senior vice president in the U.S. small business card group, according to the company’s January 2025 memo. From February 2014 he was executive vice president of global credit administration, then of world service and, from February 2016, of the global servicing network.

In February 2018 he became president of International Consumer Services and Global Travel and Lifestyle Services, where the company’s 2021 memo says he helped develop its country-by-country international strategy. In September 2019 he became president of global risk and compliance and chief risk officer, a role the proxy says covered both American Express and its national bank.

From April 2021 he was group president of Global Merchant and Network Services; the company’s January 2025 memo says the team nearly doubled merchant acceptance globally over the following four years. In February 2025 he became group president of Global Commercial Services, also overseeing global servicing. American Express, based in New York, reported total revenues net of interest expense of $72.2 billion for 2025, according to its 10-K.

Education

No education is established in the sources read for this profile, so the field is left empty rather than estimated.