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Data Scientist II - Client Protection

Charlotte, North Carolina;Plano, Texas; Boston, Massachusetts; Chandler, Arizona; Tampa, Florida; Chicago, Illinois; Jacksonville, Florida; Newark, Delaware; Phoenix, Arizona

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Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Summary:

This job is responsible for reviewing and interpretating large datasets to uncover revenue generation opportunities and ensuring the development of effective risk management strategies. Key responsibilities include working with lines of business to comprehend problems, utilizing sophisticated analytics and deploying advanced techniques to devise solutions, and presenting recommendations based on findings. Job expectations include demonstrating leadership, resilience, accountability, a disciplined approach, and a commitment to fostering responsible growth for the enterprise.

Client Protection Shared Services – Advanced Analytics is looking for an energetic and inquisitive data scientist to join our team and help us combat financial crime. In this role, you will be expected to work on large and complex data science projects that entail working with both relational and graph databases. In these projects, it is expected to collaborate with internal strategy, technology, product, and policy partners to deploy advanced analytical solutions with the goal of reducing fraud losses, lowering false positive impacts, improving client experience, and ensuring the Bank minimizes its total cost of fraud. Key responsibilities include applying knowledge of multiple business and technical-related topics and independently driving strategic initiatives, large-scale projects, and overall improvements.

Responsibilities:

+ Perform graph analytics to find and mitigate densely connected fraud networks

+ Assist with the generation, prioritization, and investigation of fraud rings

+ Enable business analytics, including data analysis, trend identification, and pattern recognition, using advanced techniques to drive decision making and data driven insights

+ Understanding of end-to-end model development work, ranging from supervised, unsupervised, and graph-based machine learning solutions, to maximize detection of fraud or capture anomalous behavior

+ Manage multiple priorities and ensures quality and timeliness of work deliverables such as data science products, data analysis reports, or data visualizations, while exhibiting the ability to work independently and in a team environment

+ Manage relationships with multiple technology teams, development team, and line of business leaders, including alignment of roadmaps, managing projects, and managing risks

+ Oversee development, delivery and quality assurance for data science use cases delivered to the production environment and other areas of the line of business

+ Support the identification of potential issues and development of controls

+ Support execution of large-scale projects, such as platform conversions or new project integrations by conducting advanced reporting and drawing analytical-based insights

+ Manages a roadmap of data science use cases to answer business trends based on economic and portfolio conditions and communicate findings to senior management, while diligently working and leading peers to solve for these use cases

+ Coach and mentor peers to improve proficiency in a variety of systems and serve as a subject matter expert on multiple business and technical-related topics

+ Apply agile practices for project management, solution development, deployment, and maintenance

+ Deliver presentations in an engaging and effective manner through in-person and virtual conversations that communicates technical concepts and analysis results to a diverse set of internal stakeholders, and develops professional relationships to foster collaboration on work deliverables

+ Maintain knowledge of the latest advances in the fields of data science and artificial intelligence to support business analytics

+ Engage business and technology senior leaders on reporting of project/deliverable statuses, opportunity identification, and planning efforts

Required Qualifications:

+ 4+ years of experience in data and analytics

+ 4+ years of experience in data analytics within fraud prevention

+ Must be proficient with SQL and one of SAS, Python, or Java

+ Must have familiarity with Graph databases (e.g. TigerGraph, Neo4J) and graph query languages

+ Problem-solving skills including selection of data and deployment of solutions

+ Proven ability to manage projects, exercise thought leadership and work with limited direction on complex problems to achieve project goals while also leading a broader team

+ Excellent communication and influencing skills

+ Thrives in fast-paced and highly dynamic environment

+ Intellectual curiosity and strong urge to figure out the “whys” of a problem and produce creative solutions

+ Exposure to model development leveraging supervised and unsupervised machine learning (regression, tree-based algorithms, etc.)

+ Expertise in data analytics and technical development lifecycles including having coached junior staff

+ Expertise handling and manipulating data across its lifecycle in a variety of formats, sizes, and storage technologies to solve a problem (e.g., structured, semi-structured, unstructured; graph; hadoop; kafka)

Desired Qualifications

+ Advanced Quantitative degree (Master’s or PhD)

+ 7+ years of experience; work in financial services is very helpful, with preference to fraud, credit, cybersecurity, or other heavily quantitative areas

+ Understanding of advanced machine learning methodologies including neural networks, graph algorithms, ensemble learning like XGB, and other techniques

+ Proficient with SPARK, H2O, or similar advanced analytical tools

+ Analytical and Innovating Thinking

+ Problem Solving and Business Acumen

+ Risk and Issue Management, interpreting relevant laws, rules, and regulations

+ Data Visualization, Oral and Written Communication, and Presentation Skills

+ Experience managing multi-year roadmaps, engaging technical and non-technical stakeholders, and leading large cross-functional formal projects

+ Experience influencing mid to senior (executive) level leaders

+ Experience managing risk and issue remediation

+ Understanding of computer science topics like automation, code versioning, computational complexity, parallel processing, requirements gathering, testing methodologies, and development lifecycle models like Agile

Skills:

+ Agile Practices

+ Application Development

+ DevOps Practices

+ Technical Documentation

+ Written Communications

+ Artificial Intelligence/Machine Learning

+ Business Analytics

+ Data Visualization

+ Presentation Skills

+ Risk Management

+ Adaptability

+ Collaboration

+ Consulting

+ Networking

+ Policies, Procedures, and Guidelines Management

_It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil ​liability.​_

Shift:

1st shift (United States of America)

Hours Per Week:

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

View your **"Know your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) "** poster.

View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) .

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work.

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.