Title: Principal Data Scientist Location: 245 Summer St, Boston MA Job Description: Job Description: Note: Fidelity will not provide immigration sponsorship for this position. Within Fidelity’s Enterprise Technology Artificial Intelligence Center of Excellence (ET AI CoE), you will help shape the next generation of AI at Fidelity, designing and building critical AI capabilities and services that will benefit institutional and retail clients for years to come. You’ll engage directly with business partners to navigate the complexities of artificial intelligence, advanced analytics, and machine learning, delivering scalable, production-ready solutions that drive customer and business value. As a Principal Data Scientist, you will be a hands-on technical leader and mentor, guiding standard processes across NLP, speech analytics, and generative AI model development. You’ll join a team passionate about innovation, working with modern cloud and open-source technologies while solving some of the financial industry’s most exciting data challenges. The Team Our AI team propels Fidelity forward by researching, developing, and scaling sophisticated AI algorithms, models, frameworks, platforms, and technologies that transform customer experiences and drive measurable business outcomes. As a Principal Data Scientist, you will play a vital technical leadership role: mentoring and uplifting other engineers, building collaborative partnerships, and setting the tone for quality and innovation. Our diverse group draws on multidisciplinary strengths: Data Science, ML engineering, software, and domain expertise to continually advance Fidelity’s position at the forefront of applied AI. The Expertise You Bring - Advanced degree or equivalent experience (Master’s or PhD) in Computer Science, Machine Learning, Data Science, Engineering, or a related field, or equivalent practical experience. - Experience designing, building, and deploying AI/ML models in production environments, with deep understanding of MLOps standards (scalable architectures, reproducibility, monitoring, CI/CD, and compliance). - Extensive hands-on expertise with: - Natural Language Processing (NLP) and computational linguistics, including entity recognition, text summarization, and conversational analytics. - Programming in Python (primary), with experience in modern ML libraries (PyTorch, transformers, etc.). - Cloud-based workflows (AWS SageMaker, Bedrock, Athena, Snowflake). - RAG pipelines for retrieval-augmented generation, enabling context-aware responses and integration of external knowledge sources. - Demonstrated technical leadership: mentoring and upskilling data scientists, conducting peer code/design reviews, driving architectural decisions, and championing engineering excellence. - Ability to communicate complex technical topics clearly and persuasively to both technical and non-technical partners (including strong technical writing/documentation skills). - Experience working with audio data pipelines, speech recognition (ASR), audio-to-audio processing, and conversational AI (including dialogue systems, call transcription, or voice assistants). - Experience with modern real-time and streaming data technologies (such as Apache Kafka, AWS Kinesis, Apache Pulsar, or cloud-native event streaming platforms). - Hands-on CUDA/GPU optimization experience for accelerating AI/ML workloads. - Ability to decompose research or tactical deliverables into modular, reusable, strategic capabilities/services. - Excellent communication and presentation skills while being comfortable collaborating in team settings. The Value You Deliver You will be a trusted AI partner helping business, product, and engineering partners translate business requirements into real-world next-generation AI-driven solutions. The ideal candidate combines expert open-source AI/ML modeling with hands-on technical experience to build algorithms, models and, occasionally, applications that surface insights and deliver value (revenue and/or cost saving benefits, customer experiences/journeys, and increased efficiencies through automation/optimization). The base salary range for this position is $126,000-255,000 USD per year. Placement in the range will vary based on job responsibilities and scope, geographic location, candidate’s relevant experience, and other factors. Base salary is only part of the total compensation package. Depending on the position and eligibility requirements, the offer package may also include bonus or other variable compensation. We offer a wide range of benefits to meet your evolving needs and help you live your best life at work and at home. These benefits include comprehensive health care coverage and emotional well-being support, market-leading retirement, generous paid time off and parental leave, charitable giving employee match program, and educational assistance including student loan repayment, tuition reimbursement, and learning resources to develop your career. Note, the application window closes when the position is filled or unposted. Please be advised that Fidelity’s business is governed by the provisions of the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, the Investment Company Act of 1940, ERISA, numerous state laws governing securities, investment and retirement-related financial activities and the rules and regulations of numerous self-regulatory organizations, including FINRA, among others. Those laws and regulations may restrict Fidelity from hiring and/or associating with individuals with certain Criminal Histories. Most roles at Fidelity are Hybrid, requiring associates to work onsite every other week (all business days, M-F) in a Fidelity office. This does not apply to Remote or fully Onsite roles. Please consult with your recruiter for the specific expectations for this position. Certifications: Category: Data Analytics and Insights

• Liderar el diseño e implementación de pipelines de datos contables y financieros, garantizando calidad, trazabilidad y auditoría automatizada • Mentorear a Data Engineers y Analytics Engineers, siendo referente técnico del equipo • Modelar datos que reflejen la realidad del negocio BNPL: originación de créditos, reconocimiento de ingresos, deterioro de cartera (ECL/NIIF 9), provisiones y castigos • Garantizar la conciliación y correcta contabilización de operaciones automatizadas (factoring, cartera vencida, intereses devengados) • Asegurar el cumplimiento de NIIF/IFRS en los modelos de datos • Traducir requerimientos contables y regulatorios en entregables técnicos viables, colaborando con Finanzas, Riesgos y Producto • Liderar el gobierno de datos financieros: linaje, seguridad y cumplimiento normativo

Innovate with purpose At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re creating the future of financial automation so businesses can spend more time on what matters. Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. Whether in one of our offices in San Jose, CA, Draper, UT, or in a remote-eligible role, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks. BILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—you might be just what we’re looking for, whether in this role or another. ✨ Let’s give businesses more time for what matters. Make your impact within a rapidly growing Fintech Company We are looking for a talented, enthusiastic and dedicated person to join BILL’s Fraud Risk Strategy team. The incumbent will be supporting key projects associated with fraud detection, risk analysis and loss mitigation at Bill.com. This position requires a person who has experience with performing analytics, risk strategies, and developing predictive algorithms preferably in the risk domain. We’d love to chat if you have: - 0 - 2 years of experience in end to end fraud risk control strategy experience within relevant industry experience in eCommerce, or online payments, leveraging data science/analytics to solve complex business problems. - Achieved business goals through design, creation, and execution of control strategies through direct work (complex analytical rule development, maintenance, etc) and in collaboration with Product Managers, Engineers, and Business Stakeholders. - Developed and maintained risk strategy frameworks for a domain to keep model strategy up to date with high performance with the goal of delivering on KPIs. Built and deployed data driven and automated monitoring rules to detect and quickly respond to evolving risk trends. Partnered with product/engineering on product/customer touchpoints for risk signal capture and treatments from strategies. - Utilized advanced analytics techniques to significantly contribute to the refinement of end to end control strategies, including experience in building complex SQL/Python scripts with minimal guidance to solve ambiguous problems. Expertise with interpreting results and using data findings to influence decision making. - Developed flexible performance dashboards and monitoring that drill to the right level of granularity to fit the audience, business needs; covering the breadth of control strategy . Hands on experience wrangling complex data in tools (ie. Tableau) with the focus to perform monitoring, diagnostic analytics, and share actionable stories with data. - Applied advanced knowledge of data, metrics, profiles/typologies and key indicators in the financial fraud risk domain. Demonstrated ability to find and recommend additional enhancements within data features, data enrichment, score recalibration for existing strategies and processes. Identify and execute new model/rules/product opportunities in order to optimize processes aligning with the business goals. - Partnering and collaborating with cross functional teams including modeling, product/engineering, operations to effectively design strategies across the lifecycle at multiple touchpoints. Establishing business requirements, shared KPIs, guiding execution, and performing validation/maintenance. Experience influencing cross functional team approaches. Mentorship and support of junior team members to achieve goals. - Experience applying AI to accelerate data science work by designing prompts, rigorously evaluating outputs, and integrating LLMs through APIs into notebooks and automated pipelines - Bonus: Experience in experimental design, fraud typologies that involve onboarding fraud/abuse, and data/control governance, including proposal development, user acceptance definition, pre/post implementation validation, and approval workflows to ensure high quality deployments. Visa Sponsorship: Please note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future. The estimated salary range for this role is noted below for our San Jose based role. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits. San Jose pay range $95,700—$114,400 USD What’s in it for you? Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well. Here is a preview of some of the amazing benefits here at BILL: - 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP) - HSA & FSA accounts - Life Insurance, Long & Short-term disability coverage - Employee Assistance Program (EAP) - 11+ Observed holidays and wellness days and flexible time off - Employee Stock Purchase Program with employee discounts - Wellness & Fitness initiatives - Employee recognition and referral programs - And much more Don’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages. BILL is an Equal Opportunity Employer. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture. We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com. To ensure a fair evaluation, our Candidate Integrity Policy prohibits the use of unapproved external assistance, including generative AI, during live interviews or assessments. Doing so will result in a review and potential disqualification. Our Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.

• Improve on industry standards in identity verification by leveraging biometrics, NFC chips, Apple/Google integrations, and other advancements in identity verification technologies • Build high-performing statistical models for detecting identity fraud, such as computer vision models for identifying fake or tampered images, LLMs for surfacing suspicious user account attributes, or graph-based models for uncovering hidden clusters of bad actors • Automate and optimize human-in-the-loop ML processes for classifying fraud and generating other labels of interest for model training and evaluation • Deploy a real-time anomaly detection system for quickly identifying emerging threats across regions, cohorts, and platforms • Design intelligent sampling jobs for estimating rare events prevalence and other hard-to-measure metrics like recall and false positive/negative rates • Conduct experiments and lead quantitative analyses for measuring impact, surfacing critical gaps, and identifying opportunities for improvement • Develop methodologies and frameworks for analyzing the tradeoffs associated with new interventions and propose strategies for optimizing impact • Deliver robust research reports with effective data visualizations, clear storytelling, and bullet-proof accuracy to drive forward impact in collaboration with cross-functional partners in product, engineering, and operations • Think strategically about opportunities to improve and scale our identity verification processes and defenses.