About your role
The AI Data Scientist will design and deliver advanced applied AI, machine learning, and generative AI solutions for complex fintech and payments use cases. This hands-on role will work across high-volume transaction data, merchant and consumer intelligence, fraud and risk, forecasting, and payment optimization, partnering with product, engineering, architecture, and business teams to move solutions from research into production.
What you'll do
•Design, develop, and deploy AI and machine learning solutions that address complex business problems and create measurable value across payments and financial services.
•Own the end-to-end data science lifecycle, including problem formulation, exploratory analysis, feature engineering, experimentation, model development, validation, deployment, monitoring, and continuous improvement.
•Apply advanced analytics and AI to payment and transaction use cases such as merchant and consumer intelligence, fraud and risk, personalization, forecasting, anomaly detection, and authorization optimization.
•Partner with cross-functional teams, mentor data scientists, and translate emerging AI research into reusable, production-ready capabilities.
•Develop scalable AI/ML pipelines and production solutions using modern cloud, data, and MLOps platforms, with appropriate testing, observability, governance, and performance optimization.
•Create high-quality training, evaluation, and synthetic datasets while maintaining data integrity, privacy, security, and responsible AI practices.
•Develop and adapt domain-specific models through prompt and context engineering, retrieval, fine-tuning, model optimization, and rigorous evaluation.
•Build generative and agentic AI solutions, including foundation-model applications, retrieval-augmented generation, tool-calling workflows, structured outputs, and multi-agent systems.
Experience you'll need to have
•5+ years of experience with a proven track record of delivering high-impact AI solutions in leading technology, fintech, payments, financial services, research, or consulting organizations.
•2+ years of hands-on experience developing LLM and generative AI solutions, including autonomous agents, foundation-model architectures, and production-grade RAG pipelines.
•Experience building production-grade AI/ML solutions using cloud and data platforms such as Azure, AWS, Databricks, Snowflake, or comparable technologies.
•Strong programming skills in Python and SQL, with experience using frameworks such as PyTorch, scikit-learn, XGBoost, and Spark to work with large-scale datasets.
•Deep applied AI expertise across machine learning, deep learning, statistical modeling, experimentation, forecasting, anomaly detection, optimization, and model validation.
•Strong fintech, payments, banking, or financial-services experience, with practical knowledge of high-volume transactional data and financial-data controls.
•Bachelor's or Master's in Computer Science, Artificial Intelligence, Data Science, or another quantitative field from a recognized institution.
Experience that would be great to have
•Experience with card payments, acquiring, issuing, merchant analytics, fraud, risk, authorization, digital payments, or payment-network data.
•Experience adapting and optimizing foundation models using fine-tuning, LoRA/QLoRA, distillation, or comparable techniques.
•Demonstrated ability to mentor data scientists and establish reusable AI patterns, engineering standards, and responsible AI practices.
•Experience with vector and hybrid retrieval, semantic data architectures, model/agent observability, MLflow, and automated evaluation frameworks.
•Experience with agent orchestration frameworks such as LangGraph, Microsoft Agent Framework, LlamaIndex, OpenAI Agents SDK, or comparable technologies.
How you'll work
This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
Travel
Approximately 10% travel off-site or to other office locations is expected.
Sponsorship
You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered.
Salary Range
$90,000.00 - $152,400.00
These pay ranges apply to employees in Massachusetts, California (excluding Sunnyvale) and District of Columbia. Pay ranges for employees in other states may differ.
For incentive eligible associates, the successful candidate is eligible for an annual incentive opportunity which may be delivered as a mix of cash bonus and equity awards in the Company's sole discretion.
