Cons Prod Strat Analyst III Fort Worth, Texas;Newark, Delaware; Plano, Texas; Phoenix, Arizona; Pennington, New Jersey; Chandler, Arizona; Charlotte, North Carolina **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 job is responsible for performing more complex analysis and modeling to minimize loss exposure and negative impacts to the customer experience. Key responsibilities include utilizing a variety of systems such as Excel, SAS, SQL, Tableau, and other relational data bases to provide analytical support on strategies, ensure goals are met, and propose policy and procedural changes within segmentation structures to produce optimal results. Job expectations include evaluating data to assess potential fraud risk and create mitigation strategies. Bank of America is committed to ensuring fair and consistent treatment for Consumer and Small Business remediation efforts. To drive enterprise wide consistency & accuracy, the Remediation team provides ‘in house’ remediation for impacts to Bank of America (the Bank)’s customers. Remediation consists of dedicated resources with expertise to manage the end-to-end execution of ongoing and one-time remediation efforts. The Remediation Team performs customer remediation for the following products: • U.S. Consumer Card • U.S. Consumer Checking • U.S. Consumer Savings • U.S. Small Business Checking • U.S. Small Business Savings • U.S. Small Business Card • Consumer Finance (Gold Option/Gold Reserve) The primary function of this role will be developing code and providing oversight to automated queries within the team. A strong knowledge of SAS Enterprise Guide application is required. This role will need to perform analysis including development, testing and implementation of SQL / SAS code at a more complex level to identify transactions and account updates meeting the Remediation effort (defect / audit issue) for products supported by the team. Must also demonstrate strong experience with MS Office products such as Outlook, Excel. Duties primarily include the regular use of discretion and independent judgment **Responsibilities:** + Recommends ways to help the business achieve desired outcomes and make informed business decisions using data analysis outputs + Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance + Leads coordination of the production of product performance reports and updates for senior management **Skills:** + Business Analytics + Business Intelligence + Data Quality Management + Fraud Management + Monitoring, Surveillance, and Testing + Collaboration + Data Visualization + Oral Communications + Problem Solving + Written Communications + Analytical Thinking + Critical Thinking + Data and Trend Analysis + Innovative Thinking + Research **Required Skills:** • 3+ years of SQL/SAS Coding experience. • Several years of strategic analysis and/or related experience. • Advanced Excel proficiency. • Product and Product SOR - Prior knowledge and experience with Consumer (card/deposit) and Small Business (card/deposit) products including types of fees, payment applications, interest calculation, rewards, statements. • Ability to navigate in customer SOR (TSYS, Impact/BOSS, Rewards Super Station) to confirm and research transactions. • Technical Skills – Working knowledge of SAS Enterprise Guide application, SQL Server, Sasgrid, and JAMS Client. Additional systems include Java, CSS, PowerShell, Visual Studios 2017, Horizon and Python. Knowledge of databases including Teradata, W, Hadoop database structures including table organization, ability to identify key fields and data. • Analytic Skills - Strong analytic skills including ability to analyze data to drive differentiated performance. Manage, structure, and consolidate large amounts of data (building in validation to ensure accuracy). • Initiative – Drive the business to keep up with the latest technological strategies by taking initiative to make process improvement and implement automation where necessary. Intellectually curious and willing to dive into complete issues\problems and solve. • Organizational Skills - Ability to manage multiple projects in a complex and rapidly changing environment while maintaining high time management balance. • Communication skills - Ability to present the data and communicate effectively (verbal and written) when presenting to executive level leadership. Includes the talent to translate complex quantitative concepts into common-sense terms and thinking. •Partnering Skills -Ability to work independently as well as part of a team. Intellectually curious and willing to dive into complete issues\problems and solve. • Business Process/Acumen – Advanced understanding of the businesses they support and the front-to-back impact of their processes. Comprehension of multiple product lines with product knowledge. **Desired Skills:** • Regulations – Knowledge of regulations impacting customer remediation (i.e. Reg Z, Reg B, Reg CC, Reg E, UDAAP). • Remediation Processes - Ability to review existing remediation code and implement with minimal parameter changes. • Familiarity with Remediation processes and tools (Fee Refund and Waiver Application). • Proven history of applying creativity & logic to solve problems • Experience with Python and usage of more advanced analytical, visualization and data extraction tools **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "Know your Rights" poster, CLICK HERE (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) . View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . 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. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.