Perform sophisticated analytics (statistical and predictive analytics, machine learning modeling, etc.) to provide actionable insights that improve business We are seeking Data Scientist I to support card fraud and token provisioning initiatives, with a focus on digital payment security across mobile and digital wallet platforms (e.g., Apple Pay, Google Pay, Samsung Pay, and merchant tokenization). This role will contribute to detecting, analyzing, and mitigating fraud risk while supporting secure transaction experiences. The ideal candidate will bring experience in card fraud, digital fraud, or related risk domains, along with strong technical skills in SAS, SQL, and programming for data analysis and modeling. Exposure to tokenization or digital wallet technologies is preferred but not required. Essential Duties and Responsibilities: Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 3Independently perform sophisticated data analytics (ranging from classical econometrics to machine learning, neural networks, and natural language processing) in a variety of environments using structured and unstructured data. 3Produce compelling data visualizations to communicate insights and influence outcomes among a wide array of stakeholders. 3Take accountability and ownership of end-to-end data science solution design, technical delivery, and measurable business outcome. 3Engage in stakeholder meetings to identify business objectives and scope solution requirements. 3With minimal guidance, write, document, and deploy custom code in a variety of environments (Python, SAS, R, etc.) to create predictive analytics applications. 3Use, maintain, share and collaborate through Truist internal code repositories to foster continual learning and cross-pollination of skillsets. 3Actively research and advocate adoption of emerging methods and technologies in the data science field, with the eye of continually advancing Truist's capabilities. 3Exercise sound judgment and fosters risk management culture throughout design, development, and deployment practices; partner with cross-functional teams to coordinate rules on data usage, data governance and analytics capabilities. Required Qualifications: The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 3Bachelor's degree and zero to four or more years of experience in a quantitative field such as Finance, Mathematics, Analytics, Data Science, Computer Science, or Engineering, or equivalent education and related training 3Exhibit understanding of statistical methods, including a broad understanding of classical statistics, probability theory, econometrics, time-series, and primary statistical tests 3Familiarity with linear algebra concepts for optimization, complex matrix operations, eigenvalue decompositions, and principal components; working knowledge of calculus/differential equations, with understanding of stochastic processes 3Demonstrate understanding of data cleansing and preparation methodologies, including regex, filtering, indexing, interpolation, and outlier treatment 3Strong familiarity with data extraction in a variety of environments (SQL, JQuery, etc.) 3Working knowledge of Hadoop, Pig, Hive, and/or NoSQL, Spark 3Experience in managing multiple projects with tight deadlines in a collaborative environment Preferred Qualifications: 3Master's degree or PhD in quantitative fields such as Finance, Mathematics, Analytics, Data Science, Computer Science, or Engineering 3Four years of relevant work experience if candidate lacks graduate degree 3Previous experience in the banking or fin-tech industry The annual base salary for this position is $$80,000 - $100,000 General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.