Consumer Behavior Modeler III

Company: Bank of America
Location: Charlotte
Posted on: April 2, 2026

Job Description:

Job Description: At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description : This role is responsible for designing, developing, and delivering advanced statistical and AI models that support key business initiatives. The individual will translate business and technical requirements into analytical plans, manage projects from concept to execution, and serve as a subject matter expert for complex modeling approaches. Success in this role requires effective communication skills, technical depth, and the ability to collaborate across cross?functional teams. Responsibilities Modeling Translate business and technical requirements into structured analytical plans and modeling strategies. Develop complex multivariate statistical models and ensure appropriate assumptions, diagnostics, and performance metrics are applied. Deliver artificial intelligence solutions using prompt engineering or fine?tuning of large foundation models. Independently deliver models in the areas of fraud, complaints, and customer behavior modeling. Coding/Data Write clean, maintainable code that aligns with internal standards and is easy for others to understand and review. Analyze large and complex datasets to identify patterns, trends, and anomalies that inform model design and business decisions. Prepare and structure modeling data in a way that supports reproducible and high?quality statistical and AI modeling. Project/Process Collaborate with managers, peers, business partners, and cross?functional teams to communicate requirements, findings, and implementation guidance. Produce clear, organized, and complete technical documentation. Coordinate with model validation, governance, and compliance partners as needed throughout the model development lifecycle. Skills Technical Statistical Analysis Machine Learning (e.g., Gradient Boosting, Ensemble Methods) Artificial Intelligence (prompt engineering, quantization, fine?tuning of LLMs) Preparation and Structuring of Modeling Data Programming: Python, Bash, SQL, JSON, Linux, vLLM, Triton Model Development and Performance Assessment Domain Fraud Modeling Complaints Modeling Customer Behavior Modeling Professional Business Acumen Innovative Analytical Thinking Problem Solving Oral and Written Communication Technical Documentation Presentation Skills Required Qualifications : Master’s or Doctorate in Statistics or a related quantitative field work experience Five or more years of directly relevant experience in statistical model development, machine learning, and/or artificial intelligence It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil ?liability.? Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - MA - Boston - 100 Federal St - 100 Federal St Lp (MA5100), US - NY - New York - 1114 Avenue Of The Americas - Grace (NY1544) Pay and benefits information Pay range $123,000.00 - $195,400.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

Keywords: Bank of America, Charlotte , Consumer Behavior Modeler III, IT / Software / Systems , Charlotte, North Carolina