Job Description: **Role Summary/Purpose:** This role will be responsible for providing analytical/quantitative input to develop, document, implement and monitor the build of complex consumer fraud risk models. This successful candidate will use their business analysis, process, and quantitative knowledge to ensure business intent is matched with modeling outcomes, and document development decisions under SR11‐7 guidelines. In addition to responsibilities on individual modeling projects, this role will be expected to work on ad‐hoc projects as needed. Communicating these to leadership is essential. This is a great opportunity for a modeler/statistician/data analyst/programmer with experience in consumer fraud analysis. We offer a dynamic, collaborative team environment with a strong credit risk management culture. **Essential Responsibilities:** + Serve as a key contributor and lead developer for various models (XGBoost, LightGBM, Logistic Regression, GLM) + Work within SYF's cloud-based data and modeling platforms and tools to develop and refine models and support fraud strategies + Perform in depth analysis on large data sets, and prepare analysis and reports to support discussions on key analytics and model risks + Support development, documentation, implementation and monitoring of true-name fraud, synthetic risk, and merchant risk models using SAS/Python + Work closely within the credit and risk organization to validate accuracy and performance of statistical models and to identify issues requiring further investigation + Assist in development/understanding of vendor models to ensure accuracy and relevancy + Provide independent research and analysis to support conceptual soundness of key models + Liaise with the Synchrony Financial business teams to uncover and highlight model risk associated with models + Keep pace with the latest developments in academia, regulatory environment, risk technology (vendor and in-house) and financial services industries to embrace change and drive improvements cross-functionally. + Perform other duties and/or special projects as assigned **Qualifications/Requirements:** + Bachelor's Degree (Masters preferred) in Mathematics/Statistics, Operations Research, Economics, Finance or other quantitative discipline + 2+ years of experience in Consumer Lending statistical modeling/risk analytics, preferably related to credit cards, identity fraud and true name fraud + 2+ years in coding with SAS, Python, R or other equivalent tool within the recent 5 years + Proficiency in writing SQL queries for data analysis, automation, and reporting purposes + Minimum of 2 years of experience working with data processing and analysis tools and packages such as Hive, PySpark, Numpy Pandas, dplyr, Sparklyr, SparkR, Tidyverse, Lubridate or equivalent libraries + Strong ability to manipulate, transform, and analyze large datasets efficiently + Strong written/oral, project management skills, communication skills with the ability to manage multiple assignments effectively + **Ability and flexibility to travel for business as required** **Desired Characteristics:** + Utilizing modeling techniques supporting one (or more) of the following: XGBoost, LightGBM, and Logistic Regression, Regularization techniques, Model Evaluation and Model Monitoring + Working knowledge in big data tools such as Hadoop HIVE, PIG or Apache Spark as plus + Exposure to Amazon SageMaker, Amazon Bedrock, Amazon Redshift, Python, SAS, Unix commands + The application of regulatory requirements for Model Development (e.g. SR 11-7/OCC 2011-12) + Ability to work in a matrix organization + Understanding of macro-economic conditions & competitor's trends **Grade/Level: 09** The salary range for this position is **85,000.00 - 140,000.00** USD Annual and is eligible for an annual bonus based on individual and company performance. Actual compensation offered within the posted salary range will be based upon work experience, skill level or knowledge. Salaries are adjusted according to market in CA, NY Metro and Seattle. **Eligibility Requirements:** + You must be 18 years or older + You must have a high school diploma or equivalent + You must be willing to take a drug test, submit to a background investigation and submit fingerprints as part of the onboarding process + You must be able to satisfy the requirements of Section 19 of the Federal Deposit Insurance Act. + New hires (Level 4-7) must have 9 months of continuous service with the company before they are eligible to post on other roles. Once this new hire time in position requirement is met, the associate will have a minimum 6 months' time in position before they can post for future non-exempt roles. Employees, level 8 or greater, must have at least 18 months' time in position before they can post. All internal employees must consistently meet performance expectations and have approval from your manager to post (or the approval of your manager and HR if you don't meet the time in position or performance expectations). Legal authorization to work in the U.S. is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. **Our Commitment:** When you join us, you'll be part of an inclusive culture where your individual skills, experience, and voice are not only heard - but valued. Together, we're building a future where we can all belong, connect, and turn ideals into action. More than 50% of our workforce is engaged in our Employee Resource Groups (ERGs), where community and passion intersect to offer a safe space to learn and grow. This starts when you choose to apply for a role at Synchrony. We ensure all qualified applicants will receive consideration for employment without regard to age, race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status. We're proud to have an award-winning culture for all. **Reasonable Accommodation Notice:** + Federal law requires employers to provide reasonable accommodation to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job or to perform your job. Examples of reasonable accommodation include making a change to the application process or work procedures, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. + If you need special accommodations, please call our Career Support Line so that we can discuss your specific situation. We can be reached at 1-866-301-5627. Representatives are available from 8am - 5pm Monday to Friday, Central Standard Time **Job Family Group:** Credit