Fraud & AML GenAI Lead - Data Science & Strategy

Charles Schwab; San Francisco (CA); On-site; USD 100,000 - 140,000; Full time

Benefits offered by this job

401(k) with company match

Employee stock purchase plan

Vacation and volunteering time off

28-day sabbatical after 5 years

Paid parental leave and family forming

Tuition reimbursement

Health, dental, and vision insurance

Job summary

Charles Schwab’s Behavioral AI/ML Analytics (BAMA) team seeks a Manager, Data Scientist to deliver predictive modeling, GenAI, and investigator tools with governance. You will apply LLM/RAG and AI agent frameworks to fraud detection, AML investigations, risk analytics, and operational efficiency, collaborating across business, technology, and governance partners.

Role emphasizes governance, explainability, and regulatory compliance while leveraging Vertex AI, Gemini, OpenAI, and LangChain in a

Qualifications

• Demonstrated ability to independently and collaboratively deliver end-to-end data science solutions.
• Experience in fraud, AML, payments, financial services or related domains.
• Strong communication, translating analytics into business insight.
• Curiosity for new tools, technologies, and techniques.
• 3+ years of analytics, data science, ML or related field.
• Advanced SQL and Python proficiency.
• Experience with Generative AI, LLMs, RAG, prompt engineering, or AI agents.
• Understanding of governance, explainability and AI risk management.

Responsibilities

• Develop, test, and implement predictive modeling and GenAI-powered solutions for fraud detection and AML investigations.
• Partner with business, tech, and governance teams to turn needs into LLM/RAG use cases.
• Design AI-assisted investigator tools, knowledge retrieval, and decision-support with governance in mind.
• Use cloud AI platforms to improve analyst productivity and decision quality.
• Communicate analytical findings to technical and non-technical stakeholders.

Skills

End-to-end data science

Fraud & AML analytics

SQL

Python

GenAI & LLMs

RAG / retrieval augmented generation

Prompt engineering

AI governance & risk management

Communication skills

Curiosity / new tools adoption

Tools

Vertex AI

Gemini

OpenAI

LangChain

Job description

Charles Schwab’s Behavioral AI/ML Analytics (BAMA) team seeks a Manager, Data Scientist to deliver predictive modeling, GenAI, and investigator tools with governance. You will apply LLM/RAG and AI agent frameworks to fraud detection, AML investigations, risk analytics, and operational efficiency, collaborating across business, technology, and governance partners.

Role emphasizes governance, explainability, and regulatory compliance while leveraging Vertex AI, Gemini, OpenAI, and LangChain in a