Develops and optimizes data-driven transaction credit risk strategies for real-time decisioning. Analyzes large transaction, customer, and portfolio datasets to identify risks, monitor performance, conduct root-cause analysis, and recommend improvements. Builds analytical solutions using SAS, SQL, Python, or R; supports automation, governance, model risk management, and platform modernization. Collaborates with business, technology, audit, legal, compliance, and model governance teams while communicating findings to technical and non-technical stakeholders.
About this role:
The Senior Credit Risk Specialist (P3) is an individual contributor on the Transaction Risk team responsible for the development, implementation, monitoring, and optimization of data-driven risk strategies that enable real-time transaction decisioning. This role leverages data, analytics, and quantitative techniques to help manage risk across millions of transactions each month while balancing customer experience, fraud prevention, and business objectives.
This role combines quantitative analysis, risk strategy execution, and technical problem-solving to improve decision quality and portfolio performance. The successful candidate will utilize large datasets, analytical tools, automation, and emerging AI/ML capabilities to identify risks, monitor strategy performance, and support business objectives.
The position offers an opportunity to contribute to the modernization of transaction risk capabilities through cloud transformation initiatives, enhanced analytics, and evolving decisioning technologies while supporting effective risk management across a growing portfolio.
Key Responsibilities
In this role, you will:
Required Qualifications:
Desired Qualifications:
Job Expectations:
Posting Locations:
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
$100,000.00 - $196,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
Posting End Date:
1 Nov 2026
* Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
#BI-Hybrid
The Senior Credit Risk Specialist (P3) is an individual contributor on the Transaction Risk team responsible for the development, implementation, monitoring, and optimization of data-driven risk strategies that enable real-time transaction decisioning. This role leverages data, analytics, and quantitative techniques to help manage risk across millions of transactions each month while balancing customer experience, fraud prevention, and business objectives.
This role combines quantitative analysis, risk strategy execution, and technical problem-solving to improve decision quality and portfolio performance. The successful candidate will utilize large datasets, analytical tools, automation, and emerging AI/ML capabilities to identify risks, monitor strategy performance, and support business objectives.
The position offers an opportunity to contribute to the modernization of transaction risk capabilities through cloud transformation initiatives, enhanced analytics, and evolving decisioning technologies while supporting effective risk management across a growing portfolio.
Key Responsibilities
- Develop, implement, and optimize transaction risk strategies to improve decision quality, portfolio performance, and customer outcomes.
- Analyze transaction, customer, and portfolio data to identify emerging risks, monitor strategy performance, conduct root-cause and risk analyses, evaluate new data sources and analytical approaches, and recommend improvements to enhance risk detection, decision quality, and portfolio performance.
- Develop and maintain analytical solutions using SAS, SQL, Python, R, or other tools to support risk decisioning, monitoring, and operational efficiency.
- Collaborate with business, technology, model governance, and control teams to implement and maintain risk strategies.
- Document analysis, assumptions, methodologies, and results in accordance with governance and control requirements.
In this role, you will:
- Contribute to initiatives that support transaction risk strategy, decisioning performance, and customer outcomes.
- Apply quantitative analysis and sound judgment to solve business problems and support risk-based decision making.
- Support risk capability enhancements through analytics, automation, data innovation, and platform modernization efforts.
- Communicate analytical findings and recommendations to managers and business stakeholders.
- Partner with business teams, Model Governance, Audit, Legal, Compliance, and other stakeholders to support effective risk management and strategy execution.
Required Qualifications:
- 4+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:
- 3+ years of experience applying analytical techniques, statistical analysis, anomaly detection, modeling, and risk reporting in a financial services environment.
- 3+ years of experience using SQL, SAS, Python, R, or similar data management and analytics tools; familiarity with GitHub, VS Code, GCP, or cloud-based analytical platforms is a plus.
- Experience supporting the development, implementation, monitoring, or maintenance of risk strategies, predictive models, or analytical decisioning solutions.
- Experience working with large and complex datasets and translating analytical findings into actionable business insights.
- Familiarity with Model Risk Management (MRM), model governance, or comparable risk management frameworks.
- Knowledge of transaction risk, fraud risk, customer decisioning, portfolio management, or risk optimization concepts.
- Strong written and verbal communication skills with the ability to explain analytical concepts to both technical and non-technical audiences.
- Experience supporting automation, process improvement, and analytical modernization efforts.
Job Expectations:
- Visa sponsorship not available.
- Ability to work at one of the approved locations in the job posting. Relocation assistance is not available for this position.
- Preferred location(s) listed. Other locations within the Wells Fargo footprint may be considered for current Wells Fargo employees.
- Willingness to comply with our current hybrid work model; working from a Wells Fargo facility at least four days a week, with the flexibility to work remotely one day a week.
Posting Locations:
- 1655 Grant St - Concord, California 94520
- 333 Market St - San Francisco, California 94105
- 600 S 4th St - Minneapolis, Minnesota 55415
- 401 W Las Colinas Blvd - Irving, Texas 75039
- 401 S Tryon St - Charlotte, North Carolina 28202
- 114 North Beaumont Street - D Bldg, Saint Louis, Missouri 63103
- 1150 W Washington St - Tempe, Arizona 85288
- 800 S Jordan Creek Pkwy - West Des Moines, Iowa 50266
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
$100,000.00 - $196,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:
1 Nov 2026
* Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
#BI-Hybrid
Wells Fargo Charlotte, North Carolina, USA Office
355 W Martin Luther King, Jr BLVD, Charlotte, NC, United States, 28202
Similar Jobs at Wells Fargo
Fintech • Financial Services
Build and maintain customer relationships through in-branch interactions and proactive outreach. Identify financial needs, recommend banking products and services, support account openings and credit applications, process cash transactions, and provide compliant customer service. Collaborate with branch specialists, use digital banking tools, follow risk controls, and support branch growth. Spanish and English proficiency is required, along with Saturday availability and SAFE registration.
Fintech • Financial Services
Supports securities tax operations for capital markets products, including cost basis, federal tax reporting, withholding, reconciliations, remittances, exception resolution, and 1099/1042-S reporting. Researches tax documentation and regulatory issues, improves procedures and data integrity, and partners with corporate actions and middle-office teams to mitigate operational risk. The role requires institutional investment operations experience and knowledge of tax withholding regimes, securities products, and tax reporting systems.
Top Skills:
Broadridge Tax Managed ServiceIhs Markit Ips/CtiMS OfficeSilverSilver Cost BasisSovos
Fintech • Financial Services
Leads a large, geographically dispersed Deposit Claims organization of approximately 1,000 employees. Oversees fraud and claims operations, risk policies, controls, performance, resource allocation, customer outcomes, and operational efficiency. Partners with enterprise stakeholders across Fraud Operations, Risk, Compliance, Technology, Product, and Legal while developing senior leaders and succession pipelines.
What you need to know about the Charlotte Tech Scene
Ranked among the hottest tech cities in 2024 by CompTIA, Charlotte is quickly cementing its place as a major U.S. tech hub. Home to more than 90,000 tech workers, the city’s ecosystem is primed for continued growth, fueled by billions in annual funding from heavyweights like Microsoft and RevTech Labs, which has created thousands of fintech jobs and made the city a go-to for tech pros looking for their next big opportunity.
Key Facts About Charlotte Tech
- Number of Tech Workers: 90,859; 6.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Lowe’s, Bank of America, TIAA, Microsoft, Honeywell
- Key Industries: Fintech, artificial intelligence, cybersecurity, cloud computing, e-commerce
- Funding Landscape: $3.1 billion in venture capital funding in 2024 (CED)
- Notable Investors: Microsoft, Google, Falfurrias Management Partners, RevTech Labs Foundation
- Research Centers and Universities: University of North Carolina at Charlotte, Northeastern University, North Carolina Research Campus

