fraud risk analyst

U.S. Bank

<div>At U.S. Bank, we&rsquo;re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at&mdash;all from Day One.<h2 class="jobSectionHeader">
Job Description</h2>
Work schedule: 12:30pm-9:00pm (local) 
Training schedule: 8:00am-4:30pm (Pacific time) for the first two weeks
The Fraud Risk Analyst will not be able to perform this job without knowing how to read and speak in business-level proficiency of the kanji/Japanese language. This position is customer facing making outbound calls to customers.
<ul><li>Monitors account activity to identify fraudulent financial transactions and violations.</li><li>
Secures accounts to prevent losses.</li><li>
Works with internal departments to validate that charges are authorized.</li><li>
Works with merchants to resolve customer service issues or fraudulent activity.</li><li>
Maintains merchant processing statistics and records.</li></ul><div>
Basic Qualifications 
<ul><li>Must be fluent in both written and verbal kanji/Japanese</li></ul></div><ul><li>High school diploma or equivalent</li><li>Typically three to five years of related work experience</li></ul><div>
Preferred Skills/Experience 
<ul><li>Ability to interpret technical and administrative instructions to answer recurring questions and use as a guide in solving similar problems or situation</li><li>Experience with loss mitigation</li><li>Effective verbal and written communication skills</li><li>Proficient computer navigation skills using a variety of software packages including Microsoft Office applications</li><li>Technical or trade school certificate in business or computer science preferred</li></ul></div>
This position is eligible to receive a shift premium.
If there&rsquo;s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members&rsquo; whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):<ul><li>
Healthcare (medical, dental, vision)</li><li>
Basic term and optional term life insurance</li><li>
Short-term and long-term disability</li><li>
Pregnancy disability and parental leave</li><li>
401(k) and employer-funded retirement plan</li><li>
Paid vacation (from two to five weeks depending on salary grade and tenure)</li><li>
Up to 11 paid holiday opportunities</li><li>
Adoption assistance</li><li>
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law</li></ul>
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $24.38
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.</div>

Fraud Risk Analyst - Bilingual (Japanese and English)

JPMorganChase

<div>JOB DESCRIPTION 
JPMorgan Chase is driven by curiosity, passion, optimism, and the belief that everybody can grow.
As a Strategic Reporting Analyst within the JPMorgan Chase Consumer Banking Fraud Risk Analytics &amp; Intelligence team, you will play a pivotal role in identifying and anticipating new and emerging risks and trends. You will collaborate with key stakeholders to assess risk factors and apply your expert judgment to address challenges that affect our company, customers, and communities. Our culture in the Risk Management and Fraud Center of Excellence emphasizes innovative thinking, challenging the status quo, and striving to be best-in-class.
We are looking for a highly skilled and experienced Analyst to join our Fraud Risk Analytics &amp; Intelligent Reporting team. In this role, you will focus on developing analytical insights into the strategies employed by our risk partners to identify and mitigate fraud. You will be responsible for creating, automating, and deploying intelligent solutions that address the reporting and analytical needs of the business line. Additionally, you will ensure that compliance and control requirements are met, providing timely and reliable information to the appropriate audience.
Job Responsibilities:<ul>
<li>Data Interpretation: Analyze large volumes of complex data to formulate problem statements and draw concise conclusions about underlying risk dynamics, trends, and opportunities.</li>
<li>Risk Indicators and Metrics: Identify and develop key risk indicators and metrics, enhance existing reporting mechanisms, and explore new analytical areas to improve fraud detection.</li>
<li>Cross-Functional Collaboration: Work closely with cross-functional partners to understand and address key business challenges.</li>
<li>Communication and Presentation: Exhibit exceptional communication skills, both written and verbal, to effectively communicate with diverse audiences, including senior leadership.</li>
<li>Independent Problem Solving: Demonstrate the ability to work independently, taking ownership of problem-solving from start to finish.</li>
<li>Strategy and Product Development: Collaborate with Product Risk managers and other stakeholders to support the development and monitoring of new strategies and products.</li></ul>
Required qualifications, capabilities, and skills:<ul>
<li>Master&rsquo;s Degree in a quantitative discipline with a minimum of 1 years of work experience in analytics, or Bachelor&rsquo;s Degree in a quantitative discipline (e.g., Data Analysis, Economics, Mathematics, Statistics, Management Information Systems) with a minimum of 3 years of work experience in analytics/analytical reporting.</li>
<li>Advance knowledge of SAS &amp; Snowflake.
</li><li>Strong background with SAS and Snowflake technologies.</li>
<li>Strong financial analytical skills with the ability to extract business insights from complex data structures.</li></ul>
Preferred qualifications, capabilities, and skills:<ul>
<li>Industry Experience: Experience in Banking/Digital Banking preferred.</li>
<li>Analytical Storytelling: Excellent analytical storytelling skills.</li>
<li>Adaptability: Ability to work in a fast-paced environment and flexibly adapt to change.</li>
<li>Project Management Skills: Well-organized, structured approach, ability to achieve tight timelines on complex deliverables.</li>
<li>Technical Skills: Alteryx, Tableau, SAS certification preferred (basic/advanced).</li></ul>
ABOUT US<div> 
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world&rsquo;s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. 
 
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants&rsquo; and employees&rsquo; religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.</div> 
 
 
ABOUT THE TEAM 
<div>
Our Consumer &amp; Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We&rsquo;re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions &ndash; all while ranking first in customer satisfaction.</div><div> 
 
</div><div>Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.</div></div>

CCB Fraud Strategy Analytics & Reporting - Associate

Commercial Bank of Dubai

Responsibilities:
<ul>
<li>Responsible for identifying, analyzing, and developing containment and remediation plans for fraud incidents impacting CBD</li>
<li>Regular monitoring of emerging threats to gain insight into the evolving threat landscape affecting Banking channels</li>
<li>Ensure 100% of cases created in Intuition system is actioned the same day</li>
<li>Perform the analysis of confirmed fraud cases to identifying root cause and develop corrective measures Work with cross-functional teams across CBD for collaboration on fraud risks and investigations</li>
<li>Undertake monitoring of transaction originating from digital channels to identify any suspicious patterns that may result in a fraud and take corrective action to proactively prevent fraud</li>
<li>Provide periodic feedback to Head of Fraud Risk Management to enhance fraud detection rules to improve detection rates</li>
<li>Identify new and emerging patterns of fraud and make recommendations for new controls and improved monitoring</li>
<li>Provide the required support and assistance to fraud investigator to complete investigations in a timely manner</li>
<li>Prepare monthly reports covering key metrics on the fraud monitoring activities for management reporting</li>
<li>Actively participate and contribute to the success of key strategic initiatives underway by the fraud risk management unit</li>
</ul>

Assistant Manager - Fraud Protection

Intuit

<div><h2 class="jobSectionHeader">Overview</h2>
Intuit is the global financial technology platform that powers prosperity for the people and communities we serve. With approximately 100 million customers worldwide using products such as TurboTax, Credit Karma, QuickBooks, and Mailchimp, we believe that everyone should have the opportunity to prosper. We never stop working to find new, innovative ways to make that possible.
Intuit&rsquo;s Consumer Group, including TurboTax and Credit Karma, empowers millions of individuals to take control of their finances. TurboTax simplifies tax preparation and enables our customers to file with confidence. By harnessing the power of data and artificial intelligence (AI), we continuously innovate and evolve our consumer offerings to deliver even greater value.<div>
As we expand our primary banking and lending products, Intuit Credit Karma is looking for an innovative, experienced, and hands-on Staff AI Scientist to join our Consumer Risk Data Science team. In this role, you&rsquo;ll develop cutting-edge credit risk AI/ML fraud models to enable existing and new money movement products. Join a collaborative and inventive team of AI scientists and machine learning engineers where your work will have a direct impact on hundreds of thousands of customers.</div> 
Responsibilities<h3 class="jobSectionHeader">
What you&rsquo;ll do:</h3><ul><li>
Contribute to the fraud risk AI science initiatives for the new and evolving Money product offerings, including complete hands-on ownership of the model lifecycle, sharing ownership of success and key results at the program-level, and driving the data strategy across all involved teams.<ul><li>
Design, build, deploy, evaluate, defend, and monitor machine learning models to predict and detect fraud risk for our primary banking product (CK Money) and various short-term lending products (e.g., tax refund advances, FNPL, installment loans, single payment loans, and early wage access)</li><li>
Collaborate with credit policy, product and fraud risk teams to ensure models align with business goals and product offering to drive actionable lending decisions</li><li>
Build efficient and reusable data pipelines for feature generation, model development, scoring, and reporting using Python, SQL, and both commercially available and proprietary Machine Learning and AI infrastructures</li><li>
Deploy models in a production environment in collaboration with other AI scientists and machine learning enginers</li><li>
Ensure model fairness, interpretability, and compliance</li></ul></li><li>
Contribute to the evolution of our data and machine learning infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions.</li><li>
Research and implement practical and creative machine learning and statistical approaches suitable for our fast-paced, growing environment.</li></ul><h3 class="jobSectionHeader">
What&rsquo;s great about the role:</h3><ul><li>
Solve hard, meaningful problems giving customers (not fraudsters) access to their hard-earned money alongside fun, smart people.</li><li>
Experience professional growth and encourage growth throughout the team.</li><li>
Work cross functionally (with executives, engineering, policy &amp; rules, product, analytics, operations and other AI science teams) to ensure efficient and effective use of data science in ways that make an immediate, substantial, and sustainable impact</li></ul><div></div> 
Qualifications<h3 class="jobSectionHeader">
Minimum Qualifications:</h3><ul><li>
Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or a related quantitative discipline</li><li>
7-10 years of work experience in AI Science / Machine Learning and related areas</li><li>
Authoritative knowledge of Python and SQL</li><li>
Relevant work experience in fintech fraud risk, with deep understanding of money movement products, banking, lending, and fraud detection data</li><li>
Relevant work experience in credit risk and/or financial fraud risk, with deep understanding of payment systems, money movement products, banking, and lending</li><li>
Experience with and deep understanding of developing, deploying, monitoring and maintaining a variety of machine learning techniques, including but not limited to, deep learning, tree-based models, reinforcement learning, clustering, time series, causal analysis, and natural language processing.</li><li>
Deep understanding of fraud risk modeling concepts, including fraud score calibration, label bias correction, case disposition logic, and network or graph-based link analysis for identifying organized or collusive fraud patterns.</li><li>
Ability to quickly develop a deep statistical understanding of large, complex datasets</li><li>
Expertise in designing and building efficient and reusable data pipelines and framework for machine learning models</li><li>
Strong business problem solving, communication and collaboration skills</li><li>
Ambitious, results oriented, hardworking, team player, innovator and creative thinker</li><li>
Proven experience defining and driving end-to-end modeling frameworks, methodologies, or best practices across multiple product teams or domains.</li><li>
Demonstrated ability to evaluate and integrate emerging AI/ML technologies, contributing to the company&rsquo;s external technical visibility and innovation agenda.</li></ul><h3 class="jobSectionHeader">
Preferred Qualifications:</h3><ul><li>
Proficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc.</li><li>
Work experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow</li><li>
Strong background in MLOps infrastructure and tooling, particularly Vertex AI or AWS SageMaker, including pipelines, automated retraining, monitoring, and version control</li><li>
Experience with experimentation design and analysis, including A/B testing and statistical analysis.</li></ul> 
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit&reg;: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is:</div>

Staff Fraud AI Scientist - Fintech Consumer Risk Fraud

<div><h2 class="jobSectionHeader">Overview</h2>
Intuit is the global financial technology platform that powers prosperity for the people and communities we serve. With approximately 100 million customers worldwide using products such as TurboTax, Credit Karma, QuickBooks, and Mailchimp, we believe that everyone should have the opportunity to prosper. We never stop working to find new, innovative ways to make that possible.
Intuit&rsquo;s Consumer Group, including TurboTax and Credit Karma, empowers millions of individuals to take control of their finances. TurboTax simplifies tax preparation and enables our customers to file with confidence. By harnessing the power of data and artificial intelligence (AI), we continuously innovate and evolve our consumer offerings to deliver even greater value.<div>
As we expand our primary banking and lending products, Intuit Credit Karma is looking for an innovative, experienced, and hands-on Senior AI Scientist to join our Consumer Risk Data Science team. In this role, you&rsquo;ll develop cutting-edge credit risk AI/ML fraud models to enable existing and new money movement products. Join a collaborative and inventive team of AI scientists and machine learning engineers where your work will have a direct impact on hundreds of thousands of customers.</div> 
Responsibilities<h3 class="jobSectionHeader">
What you&rsquo;ll do:</h3><ul><li>
Contribute to the fraud risk AI science initiatives for the new and evolving Money product offerings, including complete hands-on ownership of the model lifecycle, sharing ownership of success and key results at the program-level, and driving the data strategy across all involved teams.<ul><li>
Design, build, deploy, evaluate, defend, and monitor machine learning models to predict and detect fraud risk for our primary banking product (CK Money) and various short-term lending products (e.g., tax refund advances, FNPL, installment loans, single payment loans, and early wage access)</li><li>
Collaborate with credit policy, product and fraud risk teams to ensure models align with business goals and product offering to drive actionable lending decisions</li><li>
Build efficient and reusable data pipelines for feature generation, model development, scoring, and reporting using Python, SQL, and both commercially available and proprietary Machine Learning and AI infrastructures</li><li>
Deploy models in a production environment in collaboration with other AI scientists and machine learning enginers</li><li>
Ensure model fairness, interpretability, and compliance</li></ul></li><li>
Contribute to the evolution of our data and machine learning infrastructure within the Intuit ecosystem to improve efficiency and effectiveness of AI science solutions.</li><li>
Research and implement practical and creative machine learning and statistical approaches suitable for our fast-paced, growing environment.</li></ul><h3 class="jobSectionHeader">
What&rsquo;s great about the role:</h3><ul><li>
Solve hard, meaningful problems giving customers (not fraudsters) access to their hard-earned money alongside fun, smart people.</li><li>
Experience professional growth and encourage growth throughout the team.</li><li>
Work cross functionally (with executives, engineering, policy &amp; rules, product, analytics, operations and other AI science teams) to ensure efficient and effective use of data science in ways that make an immediate, substantial, and sustainable impact 
Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing pay equity for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.</li></ul> 
Qualifications<h3 class="jobSectionHeader">
Minimum Qualifications:</h3><ul><li>
Advanced Degree (Ph.D. / MS) in Computer Science, Data Science, AI, Mathematics, Statistics, Physics or a related quantitative discipline</li><li>
3-6 years of work experience in AI Science / Machine Learning and related areas</li><li>
Authoritative knowledge of Python and SQL</li><li>
Relevant work experience in fintech fraud risk, with deep understanding of money movement products, banking, lending, and fraud detection data</li><li>
Relevant work experience in credit risk and/or financial fraud risk, with deep understanding of payment systems, money movement products, banking, and lending</li><li>
Experience with and deep understanding of developing, deploying, monitoring and maintaining a variety of machine learning techniques, including but not limited to, deep learning, tree-based models, reinforcement learning, clustering, time series, causal analysis, and natural language processing.</li><li>
Deep understanding of fraud risk modeling concepts, including fraud score calibration, label bias correction, case disposition logic, and network or graph-based link analysis for identifying organized or collusive fraud patterns.</li><li>
Ability to quickly develop a deep statistical understanding of large, complex datasets</li><li>
Expertise in designing and building efficient and reusable data pipelines and framework for machine learning models</li><li>
Strong business problem solving, communication and collaboration skills</li><li>
Ambitious, results oriented, hardworking, team player, innovator and creative thinker</li></ul><h3 class="jobSectionHeader">
Preferred Qualifications:</h3><ul><li>
Proficiency in deep learning ML frameworks such as TensorFlow, PyTorch, etc.</li><li>
Work experience with public cloud platforms (especially GCP or AWS) and workflow orchestration tools like Apache Airflow</li><li>
Strong background in MLOps infrastructure and tooling, particularly Vertex AI or AWS SageMaker, including pipelines, automated retraining, monitoring, and version control</li><li>
Experience with experimentation design and analysis, including A/B testing and statistical analysis.</li></ul> 
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit&reg;: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is:
Bay Area,CA: $173,500 - $234,500 
Southern California,CA: $160,500.00 - $217,000.00 
New York $172,000.00 - $232,500.00</div>

Senior Fraud AI Scientist - Consumer Risk Fraud

<div>JOB DESCRIPTION 
We know that people want great value combined with an excellent experience from a bank they can trust, so we launched our digital bank, Chase UK, to revolutionize mobile banking with seamless journeys that our customers love. We're already trusted by millions in the US and we're quickly catching up in the UK &ndash; but how we do things here is a little different. We're building the bank of the future from scratch, channeling our start-up mentality every step of the way &ndash; meaning you'll have the opportunity to make a real impact.
As a Data Scientist Senior Associate at JPMorgan Chase within the International Consumer Bank, you will be a part of a flat-structure organization. Your responsibilities are to deliver end-to-end cutting-edge solutions in the form of cloud-native microservices architecture applications leveraging the latest technologies and the best industry practices. You are expected to be involved in the design and architecture of the solutions while also focusing on the entire SDLC lifecycle stages.
Our fraud analytics team is at the heart of this venture, focused on getting smart ideas into the hands of our customers. We're looking for people who have a curious mindset, thrive in collaborative squads, and are passionate about new technology. By their nature, our people are also solution-oriented, commercially savvy and have a head for fintech. We work in tribes and squads that focus on specific products and projects &ndash; and depending on your strengths and interests, you'll have the opportunity to move between them.
Job spec requirements:
The Fraud &amp; Financial crime Product function leads the 1st line of defense business for fraud &amp; financial crime risk, including ownership of the fraud &amp; financial crime strategy and control framework across all products and channels. Working inside a specialist fraud team to ensure transaction monitoring and controls are optimized to reduce fraud &amp; financial crime risk whilst ensuring 1st class client experience &ndash; you will be supporting the product from an Analytics perspective.
Job responsibilities<ul><li>
Develop and implement fraud strategies/rules to effectively detect fraudulent activities.</li><li>
Analyze data to support fraud product, fraud operations, and financial crime efforts to protect the financial interests of the customers and the bank.</li><li>
Analyze data to support the fraud operation team to improve efficiency and decision accuracy, including translating fraud strategy into fraud operation impact.</li><li>
Collaborate with the 2nd line fraud risk teams to ensure models, rulesets, and strategies are effective.</li><li>
Ensure all compliance, audit, and control frameworks are followed &ndash; using data to confirm these processes adhere to regulation standards.</li><li>
Share best practices across JP Morgan Chase &amp; Co.</li><li>
Communicate effectively with superior written, oral communication, and presentation skills, with experience communicating concisely and effectively with all levels of management and partners</li></ul>
Required qualifications, capabilities and skills<ul><li>
Master&rsquo;s degree in numeric fields or STEM related fields, such as statistics, computer science, data science, etc</li><li>
Knowledge of Fraud / Financial crime processes and products</li><li>
Team development and management experience required.</li></ul>
#ICBCareer
ABOUT US<div> 
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world&rsquo;s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. 
 
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants&rsquo; and employees&rsquo; religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.</div> 
 
 
ABOUT THE TEAM 
 
Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we&rsquo;re setting our businesses, clients, customers and employees up for success.</div>

Data Scientist Senior Associate

hackajob

<div>
 
 
 hackajob
 
 is collaborating with
 
 American Express
 
 to connect them with exceptional tech professionals for this role.
 
 
 
 
 You Lead the Way. We&rsquo;ve Got Your Back.
 
 
 
 With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you&rsquo;ll learn and grow as we help you create a career journey that&rsquo;s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
 
 
 At American Express, you&rsquo;ll be recognized for your contributions, leadership, and impact&mdash;every colleague has the opportunity to share in the company&rsquo;s success. Together, we&rsquo;ll win as a team, striving to uphold our company values and powerful backing promise to provide the world&rsquo;s best customer experience every day. And we&rsquo;ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
 
 
 Join Team Amex and let's lead the way together.
 
 
 The Enterprise Data Strategy team, in Credit and Fraud Risk Management is responsible for optimizing risk decisions through the lifecycle by identifying, testing, and integrating internal data with external data assets. The team manages strategic global relationships and data strategy for key third party data providers and contribution policy with external data partners (including credit bureaus) to support risk products in prospecting, new accounts, customer management, and collection practices. The team also serves as a critical channel for the exploration of new data opportunities for the firm.
 
 
 The incumbent would be part of the Enterprise Data Strategy team based in Gurgaon and reporting into Sr. Manager - International Commercial Data Strategy. The incumbent will be responsible for conducting detailed analysis on third-party vendor data to drive bureau/alternate data strategy, manage strategic Commercial data relationships and will partner closely with modeling, strategy, and risk product teams to drive innovative solutions and solve challenges.
 
 
 Analyst will be responsible for data analysis to challenge the status quo, identifying use cases for leveraging external data and will serve as a critical point for exploration of new data opportunities in Commercial.
 
 
 <ul>
 <li>
 Drive Commercial data strategy across the customer lifecycle through structured and risk-based principles.
 </li>
 <li>
 Explore traditional and alternative Commercial credit data/services.
 </li>
 <li>
 Be responsible for data mining, analytics, research, and capabilities development supporting regulated data (e.g. credit bureau information) and non-regulated data (e.g. aggregated or vertically compiled) to support Change Management, Operational Risk Events, and Strategic Decisions.
 </li>
 <li>
 Interacting and collaborating with partners across multiple lines of business including credit risk, fraud risk, market risk, capabilities, compliance, operations to develop, implement and optimize the Commercial data strategies including new third-party data vendor onboarding and existing products.
 </li>
 <li>
 Ensuring compliance with all regulatory requirements through robust risk policies
 </li>
 <li>
 Periodically review cases to identify modeling/strategy opportunities and improve customer experience.
 </li>
 <li>
 Evaluate new external data sources like Open banking, financials, credit bureau, Insurance, Firmographics, digital, etc. to improve risk models/strategies.
 </li>
 <li>
 Closely partner with external data vendors, internal capabilities, and internal Commercial risk teams to ingest new data sources for models/strategies.
 </li>
 <li>
 Drive profitability through advanced analytical techniques.
 </li>
 <li>
 Put enterprise thinking first, connect the role&rsquo;s agenda to enterprise priorities and balance the needs of customers, partners, colleagues &amp; shareholders.
 </li>
 <li>
 Lead with an external perspective, challenge the status quo and bring continuous innovation to our existing offerings.
 </li>
 <li>
 Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
 </li>
 <li>
 Should possess strong analytical and problem-solving skills and a tremendous will to win.
 </li>
 <li>
 Strong relationship building, management and influencing skills.
 </li>
 <li>
 Exceptional verbal, written, and interpersonal communication skills.
 
 
 </li>
 </ul>
 
 How will you make an impact in this role?
 
 
 
 Responsible for conducting detailed analysis on third-party vendor data to drive the data strategy in New Accounts, Customer Management and Marketing models and strategy for International Commercial business.
 
 
 
 Minimum Qualifications
 
 
 
 <ul>
 <li>
 0 -3 years of experience in analytics/credit risk or related work experience
 </li>
 <li>
 Strong data handling and ability to apply statistical / quantitative techniques and methods to drive business results.
 </li>
 <li>
 Bachelor&rsquo;s / master&rsquo;s degree in a quantitative field (e.g., Finance, Engineering, Mathematics, Statistics, Computer Science or Economics) from a top tier institute
 </li>
 <li>
 Strong quantitative, analytical, project management and structured problem-solving skills with proficiency in Python, SQL, HIVE &amp; EXCEL
 </li>
 <li>
 Ability and willingness to work in a fast-paced environment and on aggressive timelines.
 </li>
 <li>
 Effective team player and be able to manage multiple projects.
 </li>
 <li>
 Excellent oral and written communication skills
 </li>
 <li>
 Experience in analyzing data, drawing inferences, and making recommendations.
 </li>
 <li>
 Strong relationship management and negotiation skills
 </li>
 <li>
 Understanding of credit card business economics
 </li>
 <li>
 Demonstrated ability to succeed in high performing teams.
 </li>
 <li>
 Ability to grasp business problems/identify business opportunities and provide modeling solutions to solve them.
 </li>
 <li>
 Demonstrated ability to drive innovation.
 </li>
 <li>
 Experience in handling/influencing senior leaders/partners across geographies is preferred.
 
 
 </li>
 </ul>
 
 Benefits
 
 
 
 We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
 
 
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 Competitive base salaries
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 Bonus incentives
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 Support for financial-well-being and retirement
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 Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
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 Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
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 Generous paid parental leave policies (depending on your location)
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 Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
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 Free and confidential counseling support through our Healthy Minds program
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 Career development and training opportunities
 
 
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 American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
 
 
 Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
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