Data Scientist

Data Scientist

Company:
USAA

Location:
Remote USA

Employment Type:
Permanent

Salary:
$93,770 – $168,790 per year

Industry:
I.T. & Communications

About the Role

USAA is seeking a
Data Scientist II – Fraud
to support the development of advanced machine learning models that detect and prevent fraud across credit cards, debit cards, digital payments, deposits, claims, and disputes. This role focuses on improving fraud loss prevention while enhancing member experience through data-driven decision-making.

The position supports a flexible working model and may be based in
San Antonio, TX; Plano, TX; Phoenix, AZ; Colorado Springs, CO; Charlotte, NC; or Tampa, FL
, with remote work available across the continental U.S.

Key Responsibilities

• Develop and maintain fraud detection models across transactions and payments using statistical and AI/ML techniques
• Continuously improve models to reduce fraud losses and enhance customer experience
• Partner with Strategy and Model Management teams to plan and deliver model requirements
• Drive innovation in modeling techniques and analytical approaches
• Collaborate with the wider analytics community to share best practices and methodologies
• Translate business problems into analytical questions and present findings to non-technical stakeholders
• Capture, interpret, and manipulate structured and unstructured data
• Select appropriate modeling techniques based on data constraints and business needs
• Develop and deploy models within Model Development Control (MDC) and Model Risk Management (MRM) frameworks
• Produce technical documentation for governance, audit, and knowledge sharing
• Partner with Data Engineering, IT, and business teams to deploy analytics solutions
• Ensure compliance with risk management and regulatory standards

Required Qualifications

• Bachelor's degree in a quantitative field (e.g. Mathematics, Computer Science, Statistics, Economics, Engineering)
• or equivalent professional experience
• 2+ years of experience in predictive analytics or data analysis
• Experience training, validating, and deploying statistical and machine learning models
• Proficiency in
  Python, R
  , or similar scripting languages
• Experience querying and preparing data using
  SQL, HQL, NoSQL
  , or similar tools
• Strong understanding of supervised and unsupervised modeling techniques
• Ability to clearly communicate analytical insights to non-technical audiences

Technical Skills

• Predictive modeling (regression, decision trees, random forests, SVMs)
• Unsupervised learning (k-means, clustering, DBSCAN, nearest neighbors)
• Structured and unstructured data processing (JSON, XML, text, images)
• Model governance and risk management frameworks
• High-quality, transparent, and well-documented code practices

Nice to Have

• Graduate degree in a quantitative discipline
• Experience in fraud or financial crimes analytics
• Military service background or military spouse/domestic partner

Additional Information

• Remote work available within the continental U.S.
• No visa sponsorship available for this role
• Performance-based incentive compensation may apply
• Comprehensive benefits package including healthcare, pension, 401(k), paid time off, parental benefits, and wellness programs
• Applications accepted on an ongoing basis until filled