Senior Data Scientist responsible for developing quantitative solutions to prevent fraud at USAA. Collaborating with teams to enhance fraud detection through advanced analytical techniques.
Responsibilities
Develop and implement quantitative solutions to improve ability to detect and prevent identity theft, account takeover, and fraud
Develop and continuously update internal identity theft and authentication models to mitigate fraud losses
Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management on model builds
Partner with Technology to deploy a Financial Crimes graph database strategy, including vendor selection
Deploy graph databases and graph techniques to identify criminal networks engaging in fraud
Generate and prioritize fraud-dense rings to mitigate losses and improve Member experience
Identify and work with technology to integrate new data sources for models and graphs
Export insights to decision systems to enable better fraud targeting
Drive continuous innovation in modeling efforts including advanced techniques like graph neural networks
Collaborate with the analytics community to share standard methodologies
Requirements
Bachelor’s degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative field; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience may be substituted in lieu of degree.
6 years of experience in a predictive analytics or data analysis
4 years of experience in training and validating statistical, physical, machine learning, and other advanced analytics models.
4 years of experience in one or more dynamic scripted languages (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models.
Proven experience writing code that is easy to follow, well documented, and commented where vital to explain logic (high code transparency).
Strong experience in querying and preprocessing data from structured and/or unstructured databases using query languages such as SQL, HQL, NoSQL, etc.
Strong experience in working with structured, semi-structured, and unstructured data files such as delimited numeric data files, JSON/XML files, and/or text documents, images, etc.
Demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics.
Ability to assess and articulate regulatory implications and expectations of distinct modeling efforts.
Advanced experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic regression, discriminant analysis, support vector machines, decision trees, forest models, etc.
Advanced experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc.
Experience guiding and mentoring junior technical staff in business interactions and model building.
Experience communicating analytical and modeling results to non-technical business partners with emphasis on business recommendations and actionable applications of results.
Benefits
comprehensive medical, dental and vision plans
401(k)
pension
life insurance
parental benefits
adoption assistance
paid time off program with paid holidays plus 16 paid volunteer hours
various wellness programs
career path planning and continuing education assistance
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