Truist Financial

Data Scientist II - Card Fraud

Truist Financial$90K — $120K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in a quantitative field or equivalent experience
  • 4+ years experience in data science or related fields
  • Strong understanding of statistical methods and econometrics
  • Familiarity with linear algebra and calculus
  • Proficient in SQL and data extraction techniques
  • Experience with Hadoop, Pig, Hive, NoSQL, or Spark
  • Ability to manage multiple projects in a collaborative environment

Responsibilities

  • Perform advanced data analytics using structured and unstructured data
  • Create data visualizations to communicate insights effectively
  • Take ownership of data science solution design and delivery
  • Identify business objectives through stakeholder engagement
  • Write and deploy predictive analytics code in various environments
  • Share and collaborate using internal code repositories
  • Research and promote the adoption of innovative data science methods
  • Foster risk management practices in design and development

Benefits

  • Medical, dental, and vision insurance
  • Life and disability insurance
  • Tax-preferred savings accounts and 401k plan
  • Minimum of 10 vacation days and 10 sick days
  • Paid holidays
  • Potential eligibility for pension plan and stock units
Full Job Description

The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.

If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to (accommodation requests only; other inquiries won't receive a response).

Regular or Temporary:

Regular

Language Fluency:  English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

We are seeking Data Scientist II 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.

Candidates should have hands-on experience working with fraud datasets, fraud modeling, reporting, or fraud systems, and demonstrate the ability to translate data into meaningful insights. Data Scientist II candidates should have deeper expertise with a stronger emphasis on card fraud analytics.

For this opportunity, Truist will not sponsor an applicant for work visa status or employment authorization, nor will we offer any immigration-related support for this position (including, but not limited to H-1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN-1 or TN-2, E-3, O-1, or future sponsorship for U.S. lawful permanent residence status.)

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. 

  • Independently 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.

  • Produce compelling data visualizations to communicate insights and influence outcomes among a wide array of stakeholders.

  • Take accountability and ownership of end-to-end data science solution design, technical delivery, and measurable business outcome.

  • Engage in stakeholder meetings to identify business objectives and scope solution requirements.

  • Independently write, document, and deploy custom code in a variety of environments (Python, SAS, R, etc.) to create predictive analytics applications.

  • Use, maintain, share and collaborate through Truist internal code repositories to foster continual learning and cross-pollination of skillsets.

  • Actively research and advocate adoption of emerging methods and technologies in the data science field, with the eye of continually advancing Truist’s capabilities.

  • Exercise sound judgment and foster 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.

  • Bachelor’s degree and 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

  • Exhibit understanding of statistical methods, including a broad understanding of classical statistics, probability theory, econometrics, time-series, and primary statistical tests

  • Familiarity 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

  • Demonstrate understanding of data cleansing and preparation methodologies, including regex, filtering, indexing, interpolation, and outlier treatment

  • Strong familiarity with data extraction in a variety of environments (SQL, JQuery, etc.)

  • Working knowledge of Hadoop, Pig, Hive, and/or NoSQL, Spark

  • Experience in managing multiple projects with tight deadlines in a collaborative environment

Preferred Qualifications:

  • Master’s degree or PhD in a quantitative field such as Finance, Mathematics, Analytics, Data Science, Computer Science, or Engineering

  • Four years of relevant work experience if candidate lacks graduate degree

  • Previous experience in the banking or fin-tech industry

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 . 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.

About Truist Financial

Truist Financial Careers

Join the dynamic team at Truist Financial, a leader in the financial services sector, and propel your career to new heights. At Truist Financial, we offer more than just job opportunities; we provide a platform for professional growth and innovation in an environment that values diversity and leadership.

Why Truist Financial?

At Truist Financial, we are committed to building a diverse and inclusive workplace where every team member is empowered to contribute their unique skills and perspectives. We believe that our strength lies in our diversity, and we are dedicated to fostering a culture that embraces the differences that make each of us unique.

Explore a World of Opportunities

Whether you're seeking your first internship or a seasoned professional looking to advance your career, Truist Financial offers a range of employment opportunities across various disciplines. Our team is growing, and we are constantly looking for talented individuals who are eager to make an impact.

Innovate and Lead

Join us and be part of a culture of innovation where your ideas can help shape the future of banking. At Truist Financial, you’ll work alongside industry leaders and have access to cutting-edge resources that foster continuous professional development and innovation.

Develop Your Career

Truist Financial is deeply invested in the career progression of our employees. We offer robust training programs, including leadership development and diversity training, to ensure you have the tools needed to succeed. Our commitment to your growth is reflected in our comprehensive benefits package, designed to support you both professionally and personally.

Networking and Professional Development

Enhance your professional network and connect with like-minded colleagues through our various networking events and community engagement initiatives. At Truist Financial, we believe in the power of connections and the impact they can have on your career.

Join Our Team

Ready to take the next step in your career? Explore the current job openings at Truist Financial. We are hiring across multiple departments, looking for passionate, curious, and innovative individuals to join our team. Check out our available positions and find the one that best matches your skills and interests.

Prepare for Your Interview

Make a great first impression. Visit our Careers page for tips on how to craft a compelling resume and succeed in your interview at Truist Financial. We are excited to see how you can contribute to our team and help us drive the future of banking.

Stay Connected

Don’t miss out on future opportunities or insights into our company culture and industry trends. Subscribe to our job alert emails and stay informed about new positions and career tips directly from our professionals. At Truist Financial, we’re not just offering jobs; we’re building careers. Join us and discover how you can make a difference and fuel your future.

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Learn more about Truist Financial
Size
50,283 employees
Market Cap
$56.6 billion
Industry
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