Fair Banking Data Analytics - SLC - Hybrid Schedule

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets., We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, 12 bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

Fair and responsible banking is the intersection of corporate governance, compliance, and social responsibility practices that aim to prevent discriminatory, unfair, deceptive, abusive, and predatory acts and practices, such as being charged unwarranted, excessive fees for over drafted accounts.  The Fair Banking team at Zions makes sure that we treat our customers fairly and avoid creating any discriminatory practices.      

Fair and responsible banking analyses use data analytics to measure where organizations lend, to whom they lend, and how they treat the customers and communities with which they conduct business. Zions Fair Banking team holds the first line accountable and reports back to business unit or management within compliance and regulators.  This team looks for broader patterns of risk by creating analytics products like models, dashboards, and notebooks.

Zions Bancorporation is currently seeking a highly qualified professional for the role of Fair Banking Data Analyst (“Data Analyst”) supporting the Fair Banking Compliance Team.  This position reports to the Fair Banking Compliance Manager.  The position will offer a 3/2 hybrid work schedule.

The Data Analyst is responsible for participating in the development and maintenance of data analytics processes required to understand the organization’s fair lending and UDAAP risk.  These processes include the creation of analyses in Python and R, developing SQL queries, designing dashboards, and maintaining analytics products.  The Data Analyst creates documentation for all activities and contributes to business reports.  The Data Analyst also regularly conducts regression analyses and comparative file reviews in accordance with the Fair Lending Program calendar; and conducts fair lending analyses for branch servicing changes, marketing campaigns, fee impact analysis, and other initiatives.  Along with strong quantitative/analytical skills a candidate must be able be able communicate effectively to influence enterprise and business unit strategic direction.  This position is located in Salt Lake City, UT.

Key responsibilities:

• Design and execute statistical models to identify and assess fair lending risks to the enterprise.
• Influence fair lending strategies around pricing, origination, and other customer-related decisions.
• Provide support for other key areas of the fair lending program and conduct other fair lending analyses as outlined in the fair lending risk assessment.
• Assist in directing and implementing expansion and enhancements to Fair Lending analytics and review processes involving regression analyses, matched pair testing, redlining analyses, new products/services, vendor engagements, branch servicing, marketing, etc.
• Optimize the use of fair lending tools.
• Analyze account and transaction-level data.
• Support the execution of risk assessment activities in response to internal or external changes or activities, with the development of meaningful and metric driven management and committee reporting.
• Establish controls for data quality and ensure that appropriate data structures are in place.
• Work effectively with Model Risk Management and other analytical associates dedicated to modeling and analysis.
• Assist in preparing for successful results from compliance assurance tests, internal audits, and regulatory examinations. 
• Assume other responsibilities as assigned. 

Required Skills:

• Bachelor’s degree in business information systems, statistics, computer science, data science, data analytics, business analytics, finance, economics, sociology, or other quantitative discipline.
• 2 + years experience in statistical/data analysis, modeling, business systems, databases, or other directly related experience.
• A combination of education and experience may meet requirements.
• Experience with SQL, Python and/or R.
• Experience with Power BI, Tableau, or similar.
• Basic statistical analysis – for investigation and characterization of data -- e.g., descriptive statistics, charts.
• Understanding of logistic and linear regression, including assumptions thereof.
• Basic to intermediate data wrangling skills.
• Be able to work both independently and in a team environment.
• Strong communication skills, both verbal and written.
• Demonstrates initiative, is a self-starter and can make timely and accurate decisions.
• Detail oriented.
• Ability to multitask and properly prioritize multiple projects.
• Strong PC skills desired with an emphasis in MS Excel, Access, Word, and PowerPoint.
• Ideal candidate is open to working in a dynamic environment; welcomes and effectively manages change; and communicates effectively with all levels of management.
• May require limited travel.

Desired Skills:

• Consumer and/or commercial lending experience.
• Familiarity and experience with the development and/or management of fair lending activities, processes and related tools, systems, and services.
• Project management skills.
• Extract, transform, and load (ETL) experience, or other data engineering-related abilities.
• Familiarity with tree-based models, SVMs, neural nets, etc.
• Experience using Git or other version control software.
• Experience with Azure DevOps.

Located in the heart of downtown Salt Lake City, the Zions Bank Building serves as the headquarters of both Zions Bancorporation and Zions Bank. The building sits adjacent to City Creek Center, a world-class shopping and dining destination with more than 100 stores and restaurants. The Zions Bank Building stands tall among Salt Lake City’s central business district, providing hundreds of team members with an exceptional work environment and features such as:

• Easy access to the City Creek UTA TRAX station, as well as various electric vehicle charging stations in most City Creek area garages;
• An employee-only fitness center and bike storage;
• An employee lounge, kitchen, micro market, game tables, couches and TVs;
• Private mothers’ rooms and lockers; and
• Access to downtown shopping, dining, arts and entertainment