Data Scientist I - Client Protection - Modeling

Company: Bank of America
Location: Charlotte
Posted on: April 1, 2026

Job Description:

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 Description: This job is responsible for analyzing and interpreting large datasets to uncover potential revenue generation opportunities and develop effective risk management strategies. Key responsibilities include collaborating with key stakeholders to comprehend business problems, utilizing data gathering and analysis techniques to devise solutions, and presenting recommendations based on the findings. Job expectations include demonstrating flexibility, 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: Work with complex database tables and datasets to extract, transform, and prepare data for model features and analytical workflows Complete 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 Build models such as linear/logistic regression, tree-based models (Random Forest, Gradient Boosting), NLP, and Time-series models Enable business analytics, including data analysis, trend identification, and pattern recognition, using advanced techniques to drive decision making insights Ensure proper documentation of datasets, analytical methods, and model assumptions to maintain reproducibility and transparency Perform advanced analytics to identify and prioritize densely connected fraud networks, leveraging cross-portfolio and graph data Manage multiple priorities while ensuring quality and timeliness of work deliverables, including data science products, data analysis reports, and data visualizations, with the ability to work both independently and collaboratively in a team environment Manage relationships with multiple technology teams, development team, and line of business partners, ensuring alignment of roadmaps, project execution, and risk management Support execution of large-scale projects, such as model deployments and new project integrations by conducting advanced reporting and drawing analytical-based insights 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 Deliver engaging and effective presentations in both in-person and virtual settings to communicate technical concepts and analytical results to a diverse set of internal stakeholders, while building professional relationships that foster collaboration on work deliverables Maintain knowledge of the latest advances in the fields of data science and artificial intelligence to support business analytics Develop and tune graph algorithms to maximize detection of fraud Identify business trends based on economic and portfolio conditions and communicate findings to senior management Performs business analytics, which includes data analysis, trend identification, and pattern recognition, using advanced techniques (e.g., machine learning, text mining, statistical analysis, etc.) to support decision-making and drive data-driven insights Applies agile practices for project management, solution development, deployment, and maintenance Creates and maintains technical documentation, capturing the business requirements and specifications related to the developed analytical solution and its implementation in production Manages multiple priorities and maintains quality and timeliness of work deliverables such as quantitative models, data science products, data analysis reports, or data visualizations, while exhibiting the ability to work independently and in a team environment Delivers engaging presentations and engages in both in-person and virtual conversations that effectively communicate technical concepts and analysis results to a diverse set of internal stakeholders, and develops professional relationships to foster collaboration on work deliverables Mitigates risk by identifying potential issues and developing controls Researches the latest advances in the fields of data science and artificial intelligence to support business analytics Required Qualifications: 3 years experience in data and analytics Must be proficient with SQL and one of SAS, Python, or Java Exposure to model development leveraging supervised and unsupervised machine learning (regression, tree-based algorithms, etc.) Problem-solving skills including selection of data and deployment of solutions Experience providing thought leadership, developing deliverables, and working with limited direction on complex problems to achieve project goals Effective 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 Experience 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) Expertise in data analytics and/or technical development lifecycles Desired Qualifications: Advanced degree (Masters or Doctorate) preferably in STEM (Science, Technology, Engineering, Math), business, or finance 5 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, Generative AI, and other techniques Experience using data science tools (e.g. H2O, Spark, Hadoop) and Graph Databases (e.g. Tigergraph or Neo4j) Familiarity using Git for version control and collaborative code development Experience engaging with cross-functional teams and in large multi-organization formal projects Understanding of computer science topics like automation, code versioning, computational complexity, parallel processing, requirements gathering, testing methodologies, and development lifecycle models like Agile Risk and Issue Management, interpreting relevant laws, rules, and regulations Data visualization, oral and written communication, and presentation skills Skills: Adaptability Attention to Detail Business Analytics Technical Documentation Written Communications Agile Practices Application Development Collaboration Data Visualization DevOps Practices Artificial Intelligence/Machine Learning Networking Policies, Procedures, and Guidelines Management Presentation Skills Risk 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 Pay Transparency details US - IL - Chicago - 110 N Wacker Dr - Bank Of America Tower Chicago (IL4110), US - MA - Boston - 100 Federal St - 100 Federal St Lp (MA5100) Pay and benefits information Pay range $105,000.00 - $193,700.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

Keywords: Bank of America, Gastonia , Data Scientist I - Client Protection - Modeling, Accounting, Auditing , Charlotte, North Carolina