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Bank Of America Consumer Product Strategy Analyst III - United States, Arizona, Phoenix 436347817
This job is responsible for performing more complex analysis and modeling to minimize loss exposure and negative impacts to the customer experience. Key responsibilities include utilizing a variety of systems such as Excel, SAS, SQL, Tableau, and other relational data bases to provide analytical support on strategies, ensure goals are met, and propose policy and procedural changes within segmentation structures to produce optimal results. Job expectations include evaluating data to assess potential fraud risk and create mitigation strategies.
Responsibilities:
- Recommends ways to help the business achieve desired outcomes and make informed business decisions using data analysis outputs
- Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance
- Leads coordination of the production of product performance reports and updates for senior management
LOB Description
The role will be responsible for several key areas:
- Develop and implement robust fraud surveillance and controls across the Specialty product suite
- Provide recommendations on mitigation efforts, ensuring monitors are in place, and will self-create initiatives as needed.
- Collaborate with cross-functional teams to integrate fraud detection measures into existing systems and processes.
- Stay abreast of industry trends, emerging threats, and technological advancements to continuously enhance fraud prevention methodologies.
- Analyze data and conduct investigations to identify patterns, trends, and anomalies indicative of potential fraud.
- Identifying new sources of data (internal or vendor-provided) that can enrich our existing detection processes, be added to our decision systems, and allow for new detection strategies to be developed. Will require close coordination with partners in Fraud Technology.
- Ensuring proper risk controls are deployed, while adhering to best practices.
- Design and monitor key fraud metrics and KPIs to evaluate the effectiveness of fraud prevention.
- Monitor Strategy performance and Optimization of existing detection strategies to determine areas where rules can be adjusted to decline fewer false positives and improve the ROI and overall performance of our fraud strategies.
- Policy and Strategy Development: Stay updated with the latest fraud trends, regulatory requirements, and best practices. Lead the creation and refinement of fraud detection and prevention strategies.
Required Qualifications:
▪ 3+ years of fraud experience and/or 3+ years of analytical experience (Mortgage/HELOC / CVL background preferred)
▪ 5+ years of SQL and / or SAS .
▪ 5+ years of ETL experience
▪ Strong analytical and critical thinking skills
▪ Innovative mindset with the ability to challenge the status quo
▪ Ability to proactively identify, analyze, and improve upon existing processes for optimization and to meet deadlines
▪ Proven strong analytical and communication skills
▪ Experience interpreting data and tailoring views to different audiences
Desired Qualifications:
▪ Advanced analytical and quantitative skills with demonstrated ability in using data and metrics to identify root causes
▪ 3+ years of Tableau
Skills:
- Business Analytics
- Business Intelligence
- Data Quality Management
- Fraud Management
- Monitoring, Surveillance, and Testing
- Collaboration
- Data Visualization
- Oral Communications
- Problem Solving
- Written Communications
- Analytical Thinking
- Critical Thinking
- Data and Trend Analysis
- Innovative Thinking
- Research
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