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Credit Portfolio Consultant 3 (Credit and Debit Card Payment and Claim Analytics)

at Wells Fargo

Posted: 6/3/2020
Job Reference #: 16121466

Job Description

Job Description

Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.  In order to receive text message invitations, your profile must include a mobile phone number designated as "Personal Cell" or "Cellular" in the contact information of your application.

At Wells Fargo, we want to satisfy our customers’ financial needs and help them succeed financially. We’re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you’ll feel valued and inspired to contribute your unique skills and experience.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

The Card Payment Analytics Team is seeking a highly self-motivated, investigative, curious and computer savvy professional with experience in predictive modeling and data analysis to join Card Payment Fraud Analytics team as a Credit Portfolio Consultant 3. This role is highly dynamic and will require critical thinking and a tactical approach to problem solving.

Major responsibilities: 

  • Collaborate with other internal analyst / operational partners to track and analyze a variety of payment card claims.
  • Deliver analytical insights to identify potential process optimization opportunities associated with card payment claims through the use of business intelligence, reporting solutions, dashboards, data-mining and advanced analytics.
  • Identify and understand factors and trends driving card payment claim decisions, losses and customer experiences.
  • Proficiently analyze large volume of customer, card and transaction level data and develop computer processes to assist loss reduction opportunities associated with payment card claims.

Other responsibilities:

  • Detection and mitigation of card fraud, investigate the root cause of fraud, create new or improve existing models or processes that mitigate the fraud risk to improve customer experience for the bank.
  • Utilize advanced analytic capabilities to perform event-based and root cause analysis to effectively detect and mitigate fraud risk for the Wells Fargo Credit & Debit Card Portfolio.
  • Research, develop, evaluate, and execute new and existing fraud detection and mitigation strategies.
  • Drive new and improved fraud monitoring and detection capabilities including creating insightful dashboards / data visualization to track and monitor key business metrics.
  • Translate complex data from multiple sources, formats, data structure into actionable and tangible strategies.
  • Partner with other Analysts, Operations, Credit and Debit Card Product teams, and Strategy Implementation teams to understand and analyze all fraud mitigation processes including transaction decision, post-decision customer contact/analysis, and fraud claims processing.
  • Establish and review appropriate business intelligence reports to detect the latest fraud trend and translate into actionable recommendations.
  • Stay current with new and developing payment methods in the Credit or Debit card space and proactively identify the fraud risk that each method may create.
  • Querying large data sources to support data driven risk detection/mitigation strategies without compromising customer experience.

Required Qualifications

  • 6+ years of risk experience
  • 4+ years of risk management and mitigation experience
  • 4+ years of SQL or SAS experience
  • 4+ years of experience with analytical methods used in statistical analysis, modeling, and reporting

Desired Qualifications

  • Ability to analyze metrics and articulate data trends both visually and verbally
  • Experience with predictive analysis software or applications such as Knowledge Studio or Knowledge Seeker
  • Predictive modeling experience (including logistic regression)
  • Experience designing and optimizing complex SQL queries involving table joins and correlated sub-queries on large scale data tables
  • Outstanding problem solving and analytical skills with ability to turn findings into strategic imperatives
  • Ability to present to multiple levels of management
  • Advanced Microsoft Office (Word, Excel, Outlook and PowerPoint) skills
  • Tableau experience
  • Ability to develop partnerships and collaborate with other business and functional areas
  • Excellent verbal, written, and interpersonal communication skills

Other Desired Qualifications
  • Extensive knowledge and understanding of fraud risk and mitigation: strategies to reduce or mitigate loss and fraud exposures
  • Ability to work in a fast paced deadline driven environment and learn quickly 
  • A Master's degree or higher in a quantitative discipline is desired
  • Experience analyzing large data sets, identifying trends, with the ability to articulate findings when presenting to key business stakeholders
  • Debit or Credit card payment risk experience
  • Demonstrated ability to prioritize effectively and learn quickly in a rapidly changing environment and function efficiently under short deadlines

Street Address

AZ-Chandler: 2700 S Price Rd - Chandler, AZ
AZ-PHX-Central Phoenix: 100 W Washington St - Phoenix, AZ
IA-Des Moines: 800 Walnut St - Des Moines, IA
NC-Charlotte: 401 S Tryon St - Charlotte, NC
NC-Charlotte: 1525 W Wt Harris Blvd - Charlotte, NC


All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

Relevant military experience is considered for veterans and transitioning service men and women.
Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Application Instructions

Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!