What are the responsibilities and job description for the Principal Data Science - Intelligent Fraud Operations position at Ally Financial?
General information
Career area
Deposits Operations
Work Location(s)
601 S. Tryon Street, NC
Remote?
No
Ref #
21941
Posted Date
03-24-26
Working time
Full time
Ally and Your Career
Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?
Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.
The Opportunity
In office role, hybrid schedule. Ally work locations Charlotte NC, Fort Washington PA, or Lewisville TX
At this time, Ally will not sponsor a new applicant for employment authorization for this position.
The Principal of Intelligent Fraud Operations serves as the master collaborator across the Financial Crimes organization, helping shape how emerging technologies and intelligent automation are responsibly applied to strengthen fraud prevention, detection, and operational response while supporting an exceptional customer experience.
This role focuses on evolving how fraud work is performed across the lifecycle, partnering with Fraud Strategy & Analytics, Operations, Technology, Risk and Legal teams to identify opportunities where intelligent capabilities can improve fraud outcomes, increase operational effectiveness, and reduce unnecessary customer friction.
As the discipline continues to evolve, this role will help define practical standards and governance approach for the responsible use of AI and automation in fraud processes, ensuring new capabilities are operationally effective, regulatory defensible, and aligned with enterprise risk expectations.
The Work Itself
- Partner across the Fraud Program pillars as well as broader Financial Crimes enablement teams to translate challenges into innovation opportunities.
- Work collaboratively with leaders to ensure new capabilities align with existing strategies and analytical insights.
- Support the responsible adoption of intelligent capabilities by coordinating across teams while respecting functional ownership.
- Develop and maintain the roadmap for intelligent fraud operations.
- Establish and socialize standards and governance frameworks in partnership with Legal and Risk.
- Champion shared intelligence and capability reuse across fraud functions to accelerate learning, reduce duplication and strengthen enterprise defenses.
The Skills You Bring
Minimum Qualifications
- 7 years of relevant experience
- Bachelor's Degree in relevant field of study or equivalent
- 5 years of experience in fraud prevention, financial crimes or risk management within banking, fintech, payments or a fraud technology vendor, with exposure across multiple points in the fraud lifecycle such as onboarding, authentication, transaction monitoring, and operations.
- Bachelor's degree in relevant field or equivalent practical experience.
- Technical familiarity (preferred): Case management platforms, data/ML stacks, model monitoring, LLM integration/prompting, workflow orchestration, graph/link analysis tools.
- Deep specialization in a single area is not required, but candidates should demonstrate a broad awareness of how controls interact across the lifecycle.
- Practical understanding of emerging technologies shaping fraud operations, including ML, generative AI, automation and agentic systems. Clear on strengths, limits, and explainability needs.
- Strong analytical thinking with the ability to connect fraud patterns, operational processes and control effectiveness to identify improvement opportunities.
- Ability to design or influence future-state operating models, tooling, or workflows that improve how fraud work is performed across the lifecycle.
- Comfort operating in evolving spaces where playbooks are not yet defined. Ability to proactively explore ideas and translate insights into documented practical solutions.
- Excellent communication skills with the ability to explain complex concepts to both technical and non-technical stakeholders.
- Experience influencing change without direct authority and driving alignment across diverse teams.
#LI-Hybrid
How We'll Have Your Back
Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:
- Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
- Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
- Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
- Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
- Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
- Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
- To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf
Who We Are:
Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.
Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.
We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.
Base Pay Range: $110000 - $180000 USD
An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.
Incentive Compensation: This position is eligible to participate in our annual incentive plan.
Salary : $110,000 - $180,000