Wells Fargo

Principal Engineer, Data Scientist

Wells Fargo

full-time

Posted on:

Location Type: Office

Location: IrvingTexasUnited States

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Salary

💰 $159,000 - $305,000 per year

Job Level

About the role

  • Act as an advisor to leadership to develop or influence applications, network, information security, database, operating systems, or web technologies for highly complex business and technical needs across multiple groups
  • Lead the strategy and resolution of highly complex and unique challenges requiring in-depth evaluation across multiple areas or the enterprise, delivering solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking
  • Translate advanced technology experience, an in-depth knowledge of the organizations tactical and strategic business objectives, the enterprise technological environment, the organization structure, and strategic technological opportunities and requirements into technical engineering solutions
  • Provide vision, direction and expertise to leadership on implementing innovative and significant business solutions
  • Maintain knowledge of industry best practices and new technologies and recommends innovations that enhance operations or provide a competitive advantage to the organization
  • Strategically engage with all levels of professionals and managers across the enterprise and serve as an expert advisor to leadership
  • Research, design, develop, and productionize machine learning models for fraud detection (supervised, unsupervised, semi-supervised), anomaly detection, behavioral biometrics, network intrusion detection, account takeover prevention, and synthetic identity fraud.
  • Build and maintain real-time and near-real-time scoring pipelines that deliver sub-second fraud/attack predictions during payment authorization, login, and high-risk interactions.
  • Perform advanced feature engineering on complex, heterogeneous data sources (transactional, temporal, graph-based, textual threat intel, device & behavioral signals) to create high-signal features for model training and inference.
  • Apply techniques such as graph neural networks, sequence modeling (LSTM/Transformer), ensemble methods, autoencoders, isolation forests, contrastive learning, and adversarial robustness to address evolving fraud and cyber threats.
  • Conduct rigorous model evaluation, explainability analysis (SHAP, LIME, counterfactuals), bias/fairness checks, and performance monitoring in production environments.
  • Partner closely with data engineers to define requirements for feature stores, real-time feature pipelines, and model-serving infrastructure.
  • Collaborate with fraud investigators, threat hunters, SOC analysts, AML teams, and product owners to translate business problems into modeling objectives and iteratively improve detection effectiveness while minimizing false positives.
  • Contribute to model risk management processes, model documentation, validation, and regulatory reporting (SR 11-7 / OCC guidelines, model risk frameworks).
  • Stay current with state-of-the-art research in adversarial ML, fraud/cybersecurity analytics, federated learning, privacy-preserving ML, and explainable AI in high-stakes domains.
  • Participate in model experimentation sprints, A/B testing of detection strategies, and red-team exercises simulating sophisticated attacks.

Requirements

  • 7+ years of Engineering experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
  • Strong proficiency in Python (pandas, scikit-learn, XGBoost/LightGBM/CatBoost, PyTorch/TensorFlow, PySpark) and experience with ML experimentation frameworks (MLflow, Weights & Biases, etc.).
  • Deep understanding of supervised & unsupervised learning, imbalanced classification, anomaly/outlier detection, time-series analysis, and ensemble techniques.
  • Hands-on experience deploying models into real-time production environments (e.g., via APIs, Kafka consumers, Spark Streaming, or low-latency serving platforms).
  • Solid SQL skills and comfort working with large-scale data warehouses/lakehouses (Snowflake, Databricks, BigQuery).
  • Proven track record of delivering measurable business impact (e.g., fraud loss reduction, false-positive rate improvement, detection rate lift) in regulated environments.
  • Experience with graph-based modeling (GraphSAGE, GNNs, link prediction) for fraud rings, money laundering networks, or lateral movement detection.
  • Master's or Ph.D. in Computer Science, Statistics, Machine Learning, Data Science, Applied Mathematics, or related quantitative discipline (or equivalent demonstrated experience).
  • Familiarity with adversarial ML, model robustness, concept drift detection, and active learning in security contexts.
  • Background in privacy-preserving techniques (differential privacy, federated learning, secure multi-party computation) or synthetic data generation for security use cases.
  • Exposure to financial crime domains: card-present/card-not-present fraud, ACH/wire fraud, mule accounts, trade-based money laundering, BEC, ransomware payments.
  • Knowledge of financial regulatory model risk frameworks and experience with model validation/documentation.
  • Publications, Kaggle rankings, or contributions to open-source ML/security projects are a plus.
Benefits
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Hard Skills & Tools
Pythonmachine learningsupervised learningunsupervised learninganomaly detectionfeature engineeringgraph neural networksSQLmodel evaluationreal-time production environments
Soft Skills
leadershipstrategic thinkinganalytical thinkingcommunicationcollaborationproblem-solvinginnovationcreativityvisionexpert advisory
Certifications
Master's in Computer SciencePh.D. in Machine LearningPh.D. in Data SciencePh.D. in Applied Mathematics