The Enterprise Fraud Strategy group provides bank-wide support for detecting, preventing, and investigating fraudulent activity across multi-channel payment systems.

The Fraud Data Scientist reports directly to the Manager, Fraud Reporting & Analytics, supporting business reporting and analytical needs for fraud initiatives. The Fraud Data Scientist works as a member of a reporting and analytics team and utilizes tools for conducting analytics for managing fraud strategies, as well as creating reports consumed by LOB (lines of business) senior executives. This is a subset of the overall responsibilities which involves other multiple initiatives as assigned by Bank Operations leadership.

This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area but only within the US.

How You’ll Spend Your Time

Work closely across the organization to develop and implement statistical analysis, artificial intelligence, machine learning processes and algorithms, and deep learning for fraud modeling.
Use dynamic techniques like Machine Learning to gain insights about the future.
Answer the “What will happen, and What should be done?” questions.
Gather business detail from peers and internal customers to adapt/enhance models.
Routinely measure model performance and implement modifications as needed.

We’re excited to talk if you have

Master’s Degree in Computer Science, Math, Economics, Statistics, or another quantitative field and 2+ years of unsupervised data modeling and segmentation experience OR any combination of education and experience that would provide an equivalent background.
Proven expert level foundation of math, statistics, and programming.
Demonstrated hands-on working knowledge of R or Python, Snowflake, SQL Server or similar database management tool and visualization tools such as Tableau or Power BI.
Superior critical thinking skills.
Strong proficiency in statistical algorithm development and evaluation.
Proficiency in advanced statistics, hyperparameter tuning, A/B Testing, predictive modeling, recommendation systems, propensity scoring, natural language processing, clustering, customer segmentation, data acquisition, mining structured and unstructured data, designing tools, automation systems, and data frameworks.

Bonus Points if you have

Banking or financial services industry experience.
Fraud reporting or analytics experience.

Applicants must have legal authority to work in the United States. Work Visa sponsorship not available for this position.

Deadline to Apply March 8, 2026

Compensation Range

$69,230.00 - $149,000.00

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?

You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request.

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