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.