2027 Quantitative Analytics Program – Risk Analytics and Decision Science (PhD) – Early Careers

About this role:   Wells Fargo is seeking talent to join the   2027 Quantitative Analytics   Program   RADS   ( PhD ) . Learn more about   the   career   areas and lines of business at   wellsfargojobs.com     Program Overview |   The Wells Fargo Quantitative Analytics Program offers PhD candidates an opportunity to apply advanced analytics, artificial intelligence, and machine learning to complex business challenges at one of the world's leading financial institutions.    This 12-month development program combines hands-on project experience, mentorship, technical training, and exposure to senior leaders. Through two six-month rotations,  you'll  work alongside experienced quantitative professionals, helping develop and evaluate innovative solutions that support business strategy, risk management, and customer experience across Wells Fargo.    You'll  be expected to bring fresh perspectives, explore innovative approaches, and contribute to solutions that support Wells Fargo's strategic priorities. Along the way,  you'll  develop not only your technical capabilities but also the business acumen and leadership skills needed to succeed in a highly collaborative environment.    Upon completion of the program,  you'll  transition into a full-time role aligned with your skills, interests, program   experience,   and business   needs .     #earlycareers   You could work on high-impact projects like:       Forecasting loss and revenue for credit card loan portfolios   Developing credit scorecards for consumer decisioning strategies     Building models to   identify   money laundering patterns across massive transaction databases       Predicting operational losses using statistical and machine learning modeling     Applying statistical and quantitative techniques to   validate   model design, calibration , and implementation .   What   You’ll   Experience:   Step into a data-driven environment where advanced analytics, machine learning, and emerging technologies power smarter decisions across the enterprise. In the Quantitative Analytics Program,   you’ll   work at the intersection of data, risk, and   innovation— solving complex problems that directly   impact   customers and the broader financial system.     You’ll design and deploy models that inform critical decisions across credit risk, financial crime, customer experience, and operations. From forecasting portfolio performance to applying generative AI in underwriting and customer interactions, your work will drive meaningful outcomes at scale.     Working with large, real-world datasets,   you’ll   partner with cross-functional teams and senior leaders to turn sophisticated quantitative techniques into actionable insights. Whether detecting fraud,   optimizing   strategies, or building AI-driven solutions,   you’ll   play a key role in shaping how data powers the future of banking.     Program dates:  July 2027 - July 2028     Program Duration :  12 months     Program Location:  Charlotte, NC     Required Qualifications: 2+ years of Quantitative Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Master's degree or higher in statistics, mathematics, physics, engineering, computer science, economics, or quantitative discipline Required Qualifications for Europe, Middle East & Africa only: Experience in Quantitative Analytics, or equivalent demonstrated through one or a combination of the following: work experience, training, education Master's degree or higher in statistics, mathematics, physics, engineering, computer science, economics, or quantitative discipline Desired Qualifications:   Currently pursuing a PhD degree with an expected graduation date between December 2026 – June 2027   OR   graduated   from a PhD program after May 2024 and   are