美国运通正在裁减约 5% 的全球员工，并计提 3.36 亿美元重组费用。首席执行官 Stephen Squeri 周五在电话会议上向分析师透露了裁员计划，CNBC 的 Hugh Son 报道了这一消息。
American Express is cutting about 5% of its global workforce and taking a $336M restructuring charge. Chief executive Stephen Squeri told analysts about the cuts on Friday, CNBC’s Hugh Son reported.
据 CNBC 报道，截至 2025 年底，该公司拥有近 7.7 万名员工。首席财务官 Christophe Le Caillec 告诉 CNBC，此次重组是为应用人工智能做准备。他表示，这也将使美国运通 “更精简、更敏捷”。
The company had almost 77,000 employees at the end of 2025, according to CNBC. Chief financial officer Christophe Le Caillec told CNBC the restructuring was to prepare for AI. It would also make Amex “leaner, more agile”, he said.
“你不希望将结构不合理的流程自动化。所以我们现在所做的是减少管理层级、扩大管理幅度。” 美国运通首席财务官 Christophe Le Caillec 对 CNBC 表示 Squeri 告诉分析师，这笔费用关乎效率。
“You don’t want to automate processes that are not optimally structured. So what we’re doing here is to reduce layers and increase spans of controls.”Christophe Le Caillec, American Express, to CNBC Squeri told analysts the charge was about efficiency.
“我们保持着良好势头，但要在未来几年加速创新并取胜，我们需要成为一个更敏捷、更高效的组织。” 美国运通首席执行官 Stephen Squeri 在财报电话会上表示 美国运通的裁员计划在巴克莱银行确认裁减 5000 个岗位（同样约占其员工总数 5%）的第二天公布。5 月，华尔街六大行合计报告裁员 1.5 万个岗位。
“We’ve got good momentum, but to accelerate innovation and win over the next few years, we needed to become [a] more agile and efficient organization.”Stephen Squeri, American Express, on the earnings call The Amex job cuts came a day after Barclays confirmed plans to cut 5,000 jobs, also about 5% of its staff. In May, Wall Street’s six largest banks reported 15,000 job cuts between them.
AI 智能体仅通过获批渠道接入 Squeri 在准备好的发言中花了约 10 分钟谈论 AI，CNBC 报道称。大部分内容涉及利用 AI 为持卡人个性化体验和优惠。
AI agents, through approved channels only Squeri spent about 10 minutes of his prepared remarks on AI, CNBC reported. Most of it was about using AI to personalise experiences and offers for card members.
他表示，美国运通希望服务使用 AI 智能体的客户。但不会允许助手在其系统中 “肆意横行”。
He said Amex wants to serve customers who use AI agents. But it will not let assistants “run rogue” through its systems.
“我们需要保护我们的客户和商户，只允许通过 API 或 MCP 渠道获批的智能体访问我们的系统。” 美国运通首席执行官 Stephen Squeri 表示 API 和 MCP（模型上下文协议）是外部软件连接公司系统的两种方式。10 月 13 日，美国运通发布了 “意图智能” 框架。该框架规定了在 AI 智能体完成购买前，如何确认客户想要购买的内容。谷歌于 5 月宣布了自己的智能体主导支付计划。
“We need to protect our customers [and] merchants, and we’re only going to allow agents to access our systems that are either approved through API or MCP channels.”Stephen Squeri, American Express APIs and MCP (Model Context Protocol) are two ways for outside software to connect to a company’s systems. On 13 October, Amex published its Intent Intelligence framework. It sets out how to confirm what a customer wants to buy before an AI agent completes the purchase. Google announced its own agent-led payments plans in May.
美国运通在其财报中表示，季度营收增长9%，达到创纪录的201亿美元。根据CNBC引用的LSEG数据，这略低于分析师预期的201.2亿美元。调整后每股收益为4.68美元，高于平均预期的4.48美元。
The quarter Revenue rose 9% to a record $20.1bn, Amex said in its earnings release. That was slightly below the $20.12bn analysts expected, according to LSEG data cited by CNBC. Adjusted earnings per share were $4.68, above the $4.48 average estimate.
净利润增长28%至37亿美元。其中包括出售美国运通在Global Business Travel Group股份产生的9.82亿美元税前收益。部分收益用于支付重组费用。美国运通将全年业绩指引上调至每股18.30美元至18.60美元。CNBC报道，该股在周五下午交易中下跌约4%。
Net income rose 28% to $3.7bn. It includes a $982M pre-tax gain from selling Amex’s stake in Global Business Travel Group. Part of that gain paid for the restructuring. Amex raised its full-year guidance to $18.30 to $18.60 a The shares fell roughly 4% in Friday afternoon trading, CNBC reported.