Ally
Principal Data Scientist - Debit Card Fraud Risk
Ally, Charlotte, North Carolina, United States, 28245
Principal Data Scientist - Debit Card Fraud Risk
Posted 1 day ago. Be among the first 25 applicants.
Ally and Your Career Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people – with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work–life balance, diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?
Work Schedule: Ally designates roles as (1) fully on‑site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role’s specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.
The Opportunity As a seasoned contributor on the Fraud Analytics, Strategies and Trends (FAST) team, the Principal Data Scientist plays an integral role in Ally’s defense against fraud threats. Through the use of advanced analytics techniques, you continually seek to discover, develop, and deploy new countermeasures to detect fraudulent activity, disrupt continually changing attacks, prevent bank losses and improve the customer experience.
In‑office role with hybrid schedule. Ally work locations Charlotte, NC; Fort Washington, PA; Lewisville, TX; Jacksonville, FL.
At this time, Ally will not sponsor a new applicant for employment authorization for this position.
The Work Itself Discover
Discover new fraud threats through active involvement in mitigating current fraud trends, deconstruction of past events, and staying current with the changing fraud landscape.
Discover deeper knowledge of existing vendors, as well as exploring new partners in the fraud fight through active involvement with vendor engagements and POC analytics.
Discover new data sources and new methods for protecting the bank’s customers and minimizing losses through the use of emerging technologies and data manipulation techniques.
Develop
Develop and monitor dashboards to observe daily behavior for abnormalities or elevated activity, then research behavior to determine if risky behavior is present.
Develop new fraud referrals, strategies, and models that alert or interdict on risky behavior through using large transactional and behavioral data sets to conduct business analysis through the use of advanced analytics to find patterns of fraudulent behavior.
Develop analysis to support potential policy and/or procedural changes to reduce fraud and improve the customer experience.
Develop proposals for fraud strategies and/or other mitigation efforts, and present findings to partner teams for approval.
Develop new techniques for fraud analysis, as well as recommendations for internal FAST policies and/or procedures to drive efficiencies and repeatable quality results.
Develop strong relationships with other FAST team members to drive collaboration, shared insights across the team, as well as coaching and mentoring peers toward improvement.
Develop strong relationships with key business partners both inside and outside Fraud Prevention, pursuing solution delivery and shared successes.
Deploy
Deploy new countermeasures such as referrals, strategies, and models to combat emerging threats, deterring bad actors from continuing their attacks.
Deploy effective monitoring techniques, ensuring high‑performing and controlled results are sustained.
Deploy findings of analysis through effective presentation skills and use of influence.
Deploy thorough controls that include not only well‑developed countermeasures, but also detailed change control and backup documentation to ensure controls are understood and sustained.
Skills
5+ years of work experience in Data Science or Advanced Analytics role, using advanced data manipulation techniques to solve business problems.
Debit/Credit Card fraud prevention strategy experience preferred.
Experience with authorization rules engines preferred.
Strong knowledge and hands‑on experience with:
Statistical and machine learning programming tools such as Python and R, with hands‑on experience with model development. Experience with DataRobot and DataWalk is a plus.
Data preparation programs such as SQL, SAS, and/or Python required.
Linear and logistic regression, time‑series analysis, decision trees, survival analysis, ensemble trees (gradient boosting, random forest), and other quantitative techniques.
Data visualization skills through Power BI (Preferred) or Tableau.
Ability to analyze complex data, derive clear action‑oriented recommendations, and communicate insights clearly and concisely to individuals from diverse backgrounds.
Comfort level with ambiguity and ability to manage multiple projects simultaneously.
Degree in Data Science, Analytics, Computer Science, Economics, Statistics, Mathematics, Engineering or similar field of study preferred.
Proficiency in various database environments, such as Snowflake, Hadoop, or Oracle, and proven experience to extract data. Experience with Posit is a plus.
Preferred - Experience working in financial services industry, specifically in fraud prevention.
How We’ll Have Your Back
Time Away: Program starts at 20 paid time off days, in addition to 11 paid holidays and 8 hours of volunteer time off yearly.
Planning for the Future: 401(k) retirement savings plan with matching and company contributions, student‑loan pay‑downs, 529 educational savings assistance, tuition reimbursement, employee stock‑purchase plan, and financial learning center and financial coach access.
Supporting Your Health & Well‑being: Flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short‑ and long‑term disability, pre‑tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well‑being program.
Building a Family: Adoption, surrogacy and fertility assistance, paid parental and caregiver leave, Dependent Day Care FSA, backup child and adult elder‑care days, and childcare discounts.
Work‑Life Integration: Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program, and other employee discount programs.
Other compensations: May include travel allowances, relocation assistance, a signing bonus and/or equity depending on the role.
To view more detailed information about Ally’s Total Rewards, please visit https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf.
Who We Are Ally Financial is a customer‑centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on “Doing it Right” and being a trusted financial‑services provider to our consumer, commercial, and corporate customers.
Ally is an equal‑opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.
We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.
Base Pay Range : $110,000 - $180,000 USD
Incentive Compensation: This position is eligible to participate in our annual incentive plan.
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Ally and Your Career Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people – with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work–life balance, diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?
Work Schedule: Ally designates roles as (1) fully on‑site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role’s specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.
The Opportunity As a seasoned contributor on the Fraud Analytics, Strategies and Trends (FAST) team, the Principal Data Scientist plays an integral role in Ally’s defense against fraud threats. Through the use of advanced analytics techniques, you continually seek to discover, develop, and deploy new countermeasures to detect fraudulent activity, disrupt continually changing attacks, prevent bank losses and improve the customer experience.
In‑office role with hybrid schedule. Ally work locations Charlotte, NC; Fort Washington, PA; Lewisville, TX; Jacksonville, FL.
At this time, Ally will not sponsor a new applicant for employment authorization for this position.
The Work Itself Discover
Discover new fraud threats through active involvement in mitigating current fraud trends, deconstruction of past events, and staying current with the changing fraud landscape.
Discover deeper knowledge of existing vendors, as well as exploring new partners in the fraud fight through active involvement with vendor engagements and POC analytics.
Discover new data sources and new methods for protecting the bank’s customers and minimizing losses through the use of emerging technologies and data manipulation techniques.
Develop
Develop and monitor dashboards to observe daily behavior for abnormalities or elevated activity, then research behavior to determine if risky behavior is present.
Develop new fraud referrals, strategies, and models that alert or interdict on risky behavior through using large transactional and behavioral data sets to conduct business analysis through the use of advanced analytics to find patterns of fraudulent behavior.
Develop analysis to support potential policy and/or procedural changes to reduce fraud and improve the customer experience.
Develop proposals for fraud strategies and/or other mitigation efforts, and present findings to partner teams for approval.
Develop new techniques for fraud analysis, as well as recommendations for internal FAST policies and/or procedures to drive efficiencies and repeatable quality results.
Develop strong relationships with other FAST team members to drive collaboration, shared insights across the team, as well as coaching and mentoring peers toward improvement.
Develop strong relationships with key business partners both inside and outside Fraud Prevention, pursuing solution delivery and shared successes.
Deploy
Deploy new countermeasures such as referrals, strategies, and models to combat emerging threats, deterring bad actors from continuing their attacks.
Deploy effective monitoring techniques, ensuring high‑performing and controlled results are sustained.
Deploy findings of analysis through effective presentation skills and use of influence.
Deploy thorough controls that include not only well‑developed countermeasures, but also detailed change control and backup documentation to ensure controls are understood and sustained.
Skills
5+ years of work experience in Data Science or Advanced Analytics role, using advanced data manipulation techniques to solve business problems.
Debit/Credit Card fraud prevention strategy experience preferred.
Experience with authorization rules engines preferred.
Strong knowledge and hands‑on experience with:
Statistical and machine learning programming tools such as Python and R, with hands‑on experience with model development. Experience with DataRobot and DataWalk is a plus.
Data preparation programs such as SQL, SAS, and/or Python required.
Linear and logistic regression, time‑series analysis, decision trees, survival analysis, ensemble trees (gradient boosting, random forest), and other quantitative techniques.
Data visualization skills through Power BI (Preferred) or Tableau.
Ability to analyze complex data, derive clear action‑oriented recommendations, and communicate insights clearly and concisely to individuals from diverse backgrounds.
Comfort level with ambiguity and ability to manage multiple projects simultaneously.
Degree in Data Science, Analytics, Computer Science, Economics, Statistics, Mathematics, Engineering or similar field of study preferred.
Proficiency in various database environments, such as Snowflake, Hadoop, or Oracle, and proven experience to extract data. Experience with Posit is a plus.
Preferred - Experience working in financial services industry, specifically in fraud prevention.
How We’ll Have Your Back
Time Away: Program starts at 20 paid time off days, in addition to 11 paid holidays and 8 hours of volunteer time off yearly.
Planning for the Future: 401(k) retirement savings plan with matching and company contributions, student‑loan pay‑downs, 529 educational savings assistance, tuition reimbursement, employee stock‑purchase plan, and financial learning center and financial coach access.
Supporting Your Health & Well‑being: Flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short‑ and long‑term disability, pre‑tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well‑being program.
Building a Family: Adoption, surrogacy and fertility assistance, paid parental and caregiver leave, Dependent Day Care FSA, backup child and adult elder‑care days, and childcare discounts.
Work‑Life Integration: Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program, and other employee discount programs.
Other compensations: May include travel allowances, relocation assistance, a signing bonus and/or equity depending on the role.
To view more detailed information about Ally’s Total Rewards, please visit https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf.
Who We Are Ally Financial is a customer‑centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on “Doing it Right” and being a trusted financial‑services provider to our consumer, commercial, and corporate customers.
Ally is an equal‑opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.
We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.
Base Pay Range : $110,000 - $180,000 USD
Incentive Compensation: This position is eligible to participate in our annual incentive plan.
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