Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Leads a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. Manages the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. Influences the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. As a dedicated Director, Data Scientist, you will lead a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. The incumbent will also manage the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. The person will be responsible for influencing the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Acts as advanced analytics thought leader and advisor to the business to shape strategies that drive competitiveness and differentiation. Influences business, data, and technology leaders to invest, sustain and expand advanced analytical capabilities by actively participating in strategy, planning, and budgeting exercises. Leads and develops team to build and deploy various advanced analytical solutions in an agile and collaborative environment across business, data, and technology organizations. Enables team's success by simplifying processes across the model development lifecycle and driving automation. Identifies, scopes, and manages complex analytical projects in collaboration with business stakeholders, often translating results to non-technical business executives. Champions and manages efforts to deliver business insights via scalable, automated solutions using machine learning, simulation, and optimization. Responsible for ensuring all modeling and machine learning solutions adhere to industry standards, model risk policy, and regulatory expectations. Partners with enterprise analytical and IT teams to build USAA core capabilities and processes. Identifies additional resource needs ranging from IT investments, 3rd party support or additional analysts. Builds and oversees a team of Data Scientists through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years in predictive modeling, model governance, machine learning and large data analysis., OR Advanced Degree (e.g., Master's, PhD) in Mathematics, Statistics, Data Science, Computer Science, or related quantitative STEM field (Science, Technology, Engineering and Math) field and 6 years in predictive modeling, model governance, machine learning and large data analysis. 3 years of direct management experience. Strong communication skills; demonstrated ability to interpret and translate complex technical information to diverse audiences. Experience with various languages, applications, and technologies (such as SQL, Python, R, Spark, Hadoop etc.) commonly associated with delivery of Data Science solutions. Experience in developing and reviewing modeling solutions based on broad range of techniques - e.g., linear and logistic regressions, time series methods, survival analysis, support vector machines, neural networks, decision trees, random forests, gradient-boosting methods, deep learning, k-means and other clustering methods, simulation methods, or other advanced techniques. Demonstrated ability to apply best practices in modeling and machine learning techniques to solve business problems. Demonstrated ability to write and review complex technical documentation, communicate modeling insights and technical details to business leaders, technical and non-technical audiences. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Deep technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Demonstrated leadership across diverse data science teams with a focus on delivering results in banking and financial services. Strong communication skills with the ability to influence stakeholders and align cross-functional teams Deep understanding of model governance, regulatory expectations and best practices in AI/ML deployment. Proven track record of developing talent fostering collaboration and driving strategic data science initiative across the organization Compensation range: The salary range for this position is: $189,370 - $361,950. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Leads a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. Manages the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. Influences the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. As a dedicated Director, Data Scientist, you will lead a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. The incumbent will also manage the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. The person will be responsible for influencing the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Acts as advanced analytics thought leader and advisor to the business to shape strategies that drive competitiveness and differentiation. Influences business, data, and technology leaders to invest, sustain and expand advanced analytical capabilities by actively participating in strategy, planning, and budgeting exercises. Leads and develops team to build and deploy various advanced analytical solutions in an agile and collaborative environment across business, data, and technology organizations. Enables team's success by simplifying processes across the model development lifecycle and driving automation. Identifies, scopes, and manages complex analytical projects in collaboration with business stakeholders, often translating results to non-technical business executives. Champions and manages efforts to deliver business insights via scalable, automated solutions using machine learning, simulation, and optimization. Responsible for ensuring all modeling and machine learning solutions adhere to industry standards, model risk policy, and regulatory expectations. Partners with enterprise analytical and IT teams to build USAA core capabilities and processes. Identifies additional resource needs ranging from IT investments, 3rd party support or additional analysts. Builds and oversees a team of Data Scientists through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years in predictive modeling, model governance, machine learning and large data analysis., OR Advanced Degree (e.g., Master's, PhD) in Mathematics, Statistics, Data Science, Computer Science, or related quantitative STEM field (Science, Technology, Engineering and Math) field and 6 years in predictive modeling, model governance, machine learning and large data analysis. 3 years of direct management experience. Strong communication skills; demonstrated ability to interpret and translate complex technical information to diverse audiences. Experience with various languages, applications, and technologies (such as SQL, Python, R, Spark, Hadoop etc.) commonly associated with delivery of Data Science solutions. Experience in developing and reviewing modeling solutions based on broad range of techniques - e.g., linear and logistic regressions, time series methods, survival analysis, support vector machines, neural networks, decision trees, random forests, gradient-boosting methods, deep learning, k-means and other clustering methods, simulation methods, or other advanced techniques. Demonstrated ability to apply best practices in modeling and machine learning techniques to solve business problems. Demonstrated ability to write and review complex technical documentation, communicate modeling insights and technical details to business leaders, technical and non-technical audiences. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Deep technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Demonstrated leadership across diverse data science teams with a focus on delivering results in banking and financial services. Strong communication skills with the ability to influence stakeholders and align cross-functional teams Deep understanding of model governance, regulatory expectations and best practices in AI/ML deployment. Proven track record of developing talent fostering collaboration and driving strategic data science initiative across the organization Compensation range: The salary range for this position is: $189,370 - $361,950. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Leads a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. Manages the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. Influences the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. As a dedicated Director, Data Scientist, you will lead a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. The incumbent will also manage the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. The person will be responsible for influencing the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Acts as advanced analytics thought leader and advisor to the business to shape strategies that drive competitiveness and differentiation. Influences business, data, and technology leaders to invest, sustain and expand advanced analytical capabilities by actively participating in strategy, planning, and budgeting exercises. Leads and develops team to build and deploy various advanced analytical solutions in an agile and collaborative environment across business, data, and technology organizations. Enables team's success by simplifying processes across the model development lifecycle and driving automation. Identifies, scopes, and manages complex analytical projects in collaboration with business stakeholders, often translating results to non-technical business executives. Champions and manages efforts to deliver business insights via scalable, automated solutions using machine learning, simulation, and optimization. Responsible for ensuring all modeling and machine learning solutions adhere to industry standards, model risk policy, and regulatory expectations. Partners with enterprise analytical and IT teams to build USAA core capabilities and processes. Identifies additional resource needs ranging from IT investments, 3rd party support or additional analysts. Builds and oversees a team of Data Scientists through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years in predictive modeling, model governance, machine learning and large data analysis., OR Advanced Degree (e.g., Master's, PhD) in Mathematics, Statistics, Data Science, Computer Science, or related quantitative STEM field (Science, Technology, Engineering and Math) field and 6 years in predictive modeling, model governance, machine learning and large data analysis. 3 years of direct management experience. Strong communication skills; demonstrated ability to interpret and translate complex technical information to diverse audiences. Experience with various languages, applications, and technologies (such as SQL, Python, R, Spark, Hadoop etc.) commonly associated with delivery of Data Science solutions. Experience in developing and reviewing modeling solutions based on broad range of techniques - e.g., linear and logistic regressions, time series methods, survival analysis, support vector machines, neural networks, decision trees, random forests, gradient-boosting methods, deep learning, k-means and other clustering methods, simulation methods, or other advanced techniques. Demonstrated ability to apply best practices in modeling and machine learning techniques to solve business problems. Demonstrated ability to write and review complex technical documentation, communicate modeling insights and technical details to business leaders, technical and non-technical audiences. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Deep technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Demonstrated leadership across diverse data science teams with a focus on delivering results in banking and financial services. Strong communication skills with the ability to influence stakeholders and align cross-functional teams Deep understanding of model governance, regulatory expectations and best practices in AI/ML deployment. Proven track record of developing talent fostering collaboration and driving strategic data science initiative across the organization Compensation range: The salary range for this position is: $189,370 - $361,950. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Leads a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. Manages the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. Influences the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. As a dedicated Director, Data Scientist, you will lead a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. The incumbent will also manage the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. The person will be responsible for influencing the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Acts as advanced analytics thought leader and advisor to the business to shape strategies that drive competitiveness and differentiation. Influences business, data, and technology leaders to invest, sustain and expand advanced analytical capabilities by actively participating in strategy, planning, and budgeting exercises. Leads and develops team to build and deploy various advanced analytical solutions in an agile and collaborative environment across business, data, and technology organizations. Enables team's success by simplifying processes across the model development lifecycle and driving automation. Identifies, scopes, and manages complex analytical projects in collaboration with business stakeholders, often translating results to non-technical business executives. Champions and manages efforts to deliver business insights via scalable, automated solutions using machine learning, simulation, and optimization. Responsible for ensuring all modeling and machine learning solutions adhere to industry standards, model risk policy, and regulatory expectations. Partners with enterprise analytical and IT teams to build USAA core capabilities and processes. Identifies additional resource needs ranging from IT investments, 3rd party support or additional analysts. Builds and oversees a team of Data Scientists through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years in predictive modeling, model governance, machine learning and large data analysis., OR Advanced Degree (e.g., Master's, PhD) in Mathematics, Statistics, Data Science, Computer Science, or related quantitative STEM field (Science, Technology, Engineering and Math) field and 6 years in predictive modeling, model governance, machine learning and large data analysis. 3 years of direct management experience. Strong communication skills; demonstrated ability to interpret and translate complex technical information to diverse audiences. Experience with various languages, applications, and technologies (such as SQL, Python, R, Spark, Hadoop etc.) commonly associated with delivery of Data Science solutions. Experience in developing and reviewing modeling solutions based on broad range of techniques - e.g., linear and logistic regressions, time series methods, survival analysis, support vector machines, neural networks, decision trees, random forests, gradient-boosting methods, deep learning, k-means and other clustering methods, simulation methods, or other advanced techniques. Demonstrated ability to apply best practices in modeling and machine learning techniques to solve business problems. Demonstrated ability to write and review complex technical documentation, communicate modeling insights and technical details to business leaders, technical and non-technical audiences. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Deep technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Demonstrated leadership across diverse data science teams with a focus on delivering results in banking and financial services. Strong communication skills with the ability to influence stakeholders and align cross-functional teams Deep understanding of model governance, regulatory expectations and best practices in AI/ML deployment. Proven track record of developing talent fostering collaboration and driving strategic data science initiative across the organization Compensation range: The salary range for this position is: $189,370 - $361,950. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Leads a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. Manages the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. Influences the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. As a dedicated Director, Data Scientist, you will lead a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. The incumbent will also manage the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. The person will be responsible for influencing the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Acts as advanced analytics thought leader and advisor to the business to shape strategies that drive competitiveness and differentiation. Influences business, data, and technology leaders to invest, sustain and expand advanced analytical capabilities by actively participating in strategy, planning, and budgeting exercises. Leads and develops team to build and deploy various advanced analytical solutions in an agile and collaborative environment across business, data, and technology organizations. Enables team's success by simplifying processes across the model development lifecycle and driving automation. Identifies, scopes, and manages complex analytical projects in collaboration with business stakeholders, often translating results to non-technical business executives. Champions and manages efforts to deliver business insights via scalable, automated solutions using machine learning, simulation, and optimization. Responsible for ensuring all modeling and machine learning solutions adhere to industry standards, model risk policy, and regulatory expectations. Partners with enterprise analytical and IT teams to build USAA core capabilities and processes. Identifies additional resource needs ranging from IT investments, 3rd party support or additional analysts. Builds and oversees a team of Data Scientists through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years in predictive modeling, model governance, machine learning and large data analysis., OR Advanced Degree (e.g., Master's, PhD) in Mathematics, Statistics, Data Science, Computer Science, or related quantitative STEM field (Science, Technology, Engineering and Math) field and 6 years in predictive modeling, model governance, machine learning and large data analysis. 3 years of direct management experience. Strong communication skills; demonstrated ability to interpret and translate complex technical information to diverse audiences. Experience with various languages, applications, and technologies (such as SQL, Python, R, Spark, Hadoop etc.) commonly associated with delivery of Data Science solutions. Experience in developing and reviewing modeling solutions based on broad range of techniques - e.g., linear and logistic regressions, time series methods, survival analysis, support vector machines, neural networks, decision trees, random forests, gradient-boosting methods, deep learning, k-means and other clustering methods, simulation methods, or other advanced techniques. Demonstrated ability to apply best practices in modeling and machine learning techniques to solve business problems. Demonstrated ability to write and review complex technical documentation, communicate modeling insights and technical details to business leaders, technical and non-technical audiences. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Deep technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Demonstrated leadership across diverse data science teams with a focus on delivering results in banking and financial services. Strong communication skills with the ability to influence stakeholders and align cross-functional teams Deep understanding of model governance, regulatory expectations and best practices in AI/ML deployment. Proven track record of developing talent fostering collaboration and driving strategic data science initiative across the organization Compensation range: The salary range for this position is: $189,370 - $361,950. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Leads a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. Manages the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. Influences the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. As a dedicated Director, Data Scientist, you will lead a team of Data Scientists responsible for identifying, scoping, and translating business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. Works with business leaders to ideate, valuate, and scope projects to meet business needs. The incumbent will also manage the team's projects and communicates progress updates to senior leadership and other business stakeholders. Responsible for the team's model inventory and ensures compliance with USAA model risk policies and regulatory expectations. The person will be responsible for influencing the future of data science at USAA by conducting research on the latest technologies and driving adoption of those technologies. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Acts as advanced analytics thought leader and advisor to the business to shape strategies that drive competitiveness and differentiation. Influences business, data, and technology leaders to invest, sustain and expand advanced analytical capabilities by actively participating in strategy, planning, and budgeting exercises. Leads and develops team to build and deploy various advanced analytical solutions in an agile and collaborative environment across business, data, and technology organizations. Enables team's success by simplifying processes across the model development lifecycle and driving automation. Identifies, scopes, and manages complex analytical projects in collaboration with business stakeholders, often translating results to non-technical business executives. Champions and manages efforts to deliver business insights via scalable, automated solutions using machine learning, simulation, and optimization. Responsible for ensuring all modeling and machine learning solutions adhere to industry standards, model risk policy, and regulatory expectations. Partners with enterprise analytical and IT teams to build USAA core capabilities and processes. Identifies additional resource needs ranging from IT investments, 3rd party support or additional analysts. Builds and oversees a team of Data Scientists through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years in predictive modeling, model governance, machine learning and large data analysis., OR Advanced Degree (e.g., Master's, PhD) in Mathematics, Statistics, Data Science, Computer Science, or related quantitative STEM field (Science, Technology, Engineering and Math) field and 6 years in predictive modeling, model governance, machine learning and large data analysis. 3 years of direct management experience. Strong communication skills; demonstrated ability to interpret and translate complex technical information to diverse audiences. Experience with various languages, applications, and technologies (such as SQL, Python, R, Spark, Hadoop etc.) commonly associated with delivery of Data Science solutions. Experience in developing and reviewing modeling solutions based on broad range of techniques - e.g., linear and logistic regressions, time series methods, survival analysis, support vector machines, neural networks, decision trees, random forests, gradient-boosting methods, deep learning, k-means and other clustering methods, simulation methods, or other advanced techniques. Demonstrated ability to apply best practices in modeling and machine learning techniques to solve business problems. Demonstrated ability to write and review complex technical documentation, communicate modeling insights and technical details to business leaders, technical and non-technical audiences. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Deep technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Demonstrated leadership across diverse data science teams with a focus on delivering results in banking and financial services. Strong communication skills with the ability to influence stakeholders and align cross-functional teams Deep understanding of model governance, regulatory expectations and best practices in AI/ML deployment. Proven track record of developing talent fostering collaboration and driving strategic data science initiative across the organization Compensation range: The salary range for this position is: $189,370 - $361,950. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Bank AI/ML team is looking to fill several Senior Data Science positions. Candidates with backgrounds in model development for credit risk, marketing, or everyday banking are preferred. As a dedicated Data Scientist Senior you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, delivers solutions at scale, and enables customer-facing applications. Leverages database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. Collaborates with other data scientists to improve USAA's tooling, growing the company's library of internal packages and applications. Works with model risk management to validate the results and stability of models before being pushed to production at scale. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates complex business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project milestones, risks, and impediments. Escalates potential issues that could limit project success or implementation. Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in 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 language (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 necessary 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. What sets you apart: Medium or large bank experience. Strong knowledge of Python and/or SAS. Control partner collaboration experience. Knowledge of Model Risk Management, Model Governance, and Regulatory requirements. Compensation range: The salary range for this position is: $143,320 - $273,930. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. The Senior Graph Data Scientist - Identity Analytics is responsible for development and implementation of quantitative solutions that improve USAA's ability to detect and prevent identity theft, account takeover, and first party/synthetic fraud. These solutions will range from the development of machine learning models to broad implementation of solutions such as graph analytics to protect USAA and our Members from risks emanating from these threats. Strong candidates will be able to deploy the following work products and processes: Develop and continuously update internal identity theft and authentication models to mitigate fraud losses and negative member experience from fraud application, synthetic fraud and account takeover attempts Closely partner with Strategies team, Director of Fraud Identity Analytics and Director of Fraud Model Management and Model Users on model builds and priorities Partner with Technology and other key collaborators to deploy a Financial Crimes graph database strategy, including vendor selection, business requirements, data needs, and clear use cases spanning financial crimes Deploy graph databases and graph techniques to identify criminal networks engaging in fraud, scams, disputes/claims and AML and deliver highly significant benefits 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 to augment predictive power and improve business performance Exports insights to decision systems to enable better fraud targeting and model development efforts Drives continuous innovation in modeling efforts including advanced techniques like graph neural networks Collaborate with the broader analytics community to share standard methodologies and techniques What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes, and assists peers with composing, technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts. Builds and maintains a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates sophisticated business request(s) into specific analytical questions, completes the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Manages project breakthroughs, risks, and impediments. Intensifies potential issues that could limit project success or implementation. Develops standard methodologies for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Maintains expertise and awareness of innovative techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks. Participates in internal communities that drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures. What you have: 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 (in addition to the minimum years of experience required) 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 language (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, 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, and ensemble methods such as Random Forests, XGBoost, LightGBM, and CatBoost. 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. What sets you apart: US military experience through military service or a military spouse/domestic partner Graduate degree in a quantitative subject area Over 4 years of experience with model development or other advanced fraud detection algorithms Over 3 years of experience with graph databases and graph solutions Experience in fraud/financial crimes model development Compensation: The salary range for this position is: $143,320- $257,970. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran click apply for full job details
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details
04/09/2026
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity The Data Scientist Lead will work closely with the Data Science Director to ensure that AI/ML modeling solutions are successfully developed and implemented. This will involve supervising multiple projects/initiatives, providing technical expertise, ensuring quality results, and mentor and leading Senior and Junior Data Scientists. Through cross-team collaboration, the lead works to understand business problems to formulate and coordinate AI/ML solutions in the Consumer Lending, Bank Operations, and Automation space. A Lead Data Scientist is expected to have a consulting mentality and be a subject matter expert in model building, communication, and leadership. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. Relocation assistance is available for this position. What you'll do: Gathers, interprets, and manipulates complex structured and unstructured data to enable advanced analytical solutions for the business. Leads and conducts advanced analytics leveraging machine learning, simulation, and optimization to deliver business insights and achieve business objectives. Guides team on selecting the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes and peer reviews technical documents for knowledge persistence, risk management, and technical review audiences. Partners with business leaders from across the organization to proactively identify business needs and proposes/recommends analytical and modeling projects to generate business value. Works with business and analytics leaders to prioritize analytics and highly complex modeling. problems/research efforts. Leads efforts to build and maintain a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Assists team with translating business request(s) into specific analytical questions, executing analysis and/or modeling, and communicating outcomes to non-technical business colleagues with a focus on business action and recommendations. Manages project portfolio milestones, risks, and impediments. Anticipates potential issues that could limit project success or implementation and escalates as needed. Establishes and maintains best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets consistent with modeling best practices and model risk management standards. Interacts with internal and external peers and management to maintain expertise and awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Serves as a mentor to data scientists in modeling, analytics, computer science, business acumen, and other interpersonal skills. Participates in enterprise-level efforts to drive the maintenance and transformation of data science technologies and culture. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 8 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 6 years of experience in predictive analytics or data analysis. 6 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 language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Expert ability to write code that is easy to follow, well documented, and commented where necessary 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. Excellent demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Proven ability to assess and articulate regulatory implications and expectations of distinct modeling efforts. Project management experience that demonstrates the ability to anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating potential issues that could limit project success or implementation. Expert level experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Expert level experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Demonstrated ability to communicate ideas with team members and/or business leaders to convey and present very technical information to an audience that may have little or no understanding of technical concepts in data science. A strong track record of communicating results, insights, and technical solutions to Senior Executive Management (or equivalent). Extensive technical skills, consulting experience, and business savvy to interface with all levels and disciplines within the organization. What sets you apart: Extensive model building experience (preferably in banking) covering a variety of AI/ML and traditional statistical modeling approaches. Extensive hands-on experience preparing data and code for modeling. Experience with the entire model lifecycle, including conceptualization, development, implementation, validation, and ongoing performance monitoring. Experience working directly with clients, customers, or internal business partners. Experience leading client or customer relationships and expectations, including senior leadership. Compensation range: The salary range for this position is: $164,780 - $314,960. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation . click apply for full job details