Internship - Predicting confidence bands for future account balances

ING Groep N.V. · Amsterdam, Noord-Holland

HybridFull-time#Internship #Java #LLMs & generative AI #Python

Location: Amsterdam, Noord-Holland
Work location: Hybrid
Employment: Full-time
Posted: Yesterday

About the job

There are many standard models and methodologies available that can provide the usual point predictions when it comes to time series forecasting, ranging from classical (linear) models to machine learning models to foundation models. However, when not only point predictions are desired, but also a confidence or uncertainty range, then finding a suitable solution becomes much more difficult. Many standard models, such as the bulk of machine learning models, do not provide a way to learn and predict confidence intervals out of the box. Classical models often do provide confidence levels but are generally limited in the types of times series that they can describe well. And the recent foundation models for time series forecasting, created on the success of Large Language Models, may come with the ability to forecast confidence levels, but are still immature and largely unproven.

At ING Wholesale Banking Advanced Analytics we research possibilities to send account managers alerts when their clients have exceptionally high or low account balances. For this purpose, we do not so much need to predict the balance itself (point predictions) but rather predict an interval in which the balance is expected to lie. So that an alert is warranted when the balance exceeds this interval.

In previous research we focused primarily on (machine learning) models with an inherent capability to produce intervals. We like to continue the research, where we are also interested in methods that may produce intervals for already trained point prediction models, such as conformal predictions.

The primary point for this particular thesis project is the reliability of the intervals, at least in the marginal sense. The next is getting small enough intervals to be useful for alerting.

Context

Account managers in ING Wholesale Banking handle dozens of large corporate clients. For each client they need to be aware of their client’s financial status and movements, so they can for example check if mutual agreements are still upheld, or if there is opportunity for up- or cross-selling. If a client takes on an abnormally large or small account balance position, then this can be an alert for the account manager to take a closer look at the client.

To automate these alerts, the WBAA department is modeling abnormal behavior, by first modeling the normal expected range of the client’s balance development and then determining if the actual balance significantly deviates out of this range. Hence the desire for confidence bands on time series predictions of account balances.

Research goal

We are agnostic to the model or methodology that will be researched, but given the diversity of the account balances and given the past research that we have done, we do believe that classical models, such as ARIMA and linear state space models, are insufficient for this task.

We have a number of potential solutions in mind: machine learning + conformal predictions, machine learning + block bootstrap sampling of residuals, training a neural network with a double pinball loss, or simply trying foundation models, but it is up to the student (+ supervisor) to choose and focus on one or more methods.

The foreseen end-result is a set of measures that state how well the chosen model(s) can forecast reliable confidence or uncertainty intervals and how accurate they are in comparison with a set of baseline models (comparing widths of intervals). This will include:

Assessing potential solutions via literature research and/or short experiments and ultimately deciding on one or more solutions to understand, implement and test
Implementing the chosen solutions as well as one or more baseline methods (e.g. auto-ARIMA, simple bootstrapping, out-of-the-box deep learner)
Choosing metrics that measure 1) the reliability of the produced intervals and 2) the width of the produced intervals
Implementing a pipeline to be able to test and compare solutions out-of-time
Analyzing for which balance behaviors the solutions do and do not produce reliable intervals (error analysis), and potentially using this to improve the solution
Producing a final comparison between solutions and baseline methods on a holdout set

The team

The Transaction Services (TS) team of WBAA at ING provides data analysis and data science solutions for the TS department. The TS department is interested in using forecasts of account balances to improve their client interactions and decision making.

The WBAA department is a large team of data scientists, data engineers, software developers and many more, that are focused on bringing data, machine learning and statistical modeling into the products that we build for our clients or internal users. The data scientists in WBAA furthermore have a strong desire to keep up with and be part of the latest developments in the fields of AI, tooling and statistics. Which they do by working closely together with master’s students on a variety of topics to solve academic yet practical problems.

Our team has extensive experience with student supervision. Are you a master’s student looking for a thesis project and are you interested in this one.

How to succeed

We hire smart people like you for your potential. Our biggest expectation is that you’ll stay curious. Keep learning. Take on responsibility. In return, we’ll back you to develop into an even more awesome version of yourself.

To take on this challenging and rewarding opportunity, you’ll need to:

Have solid experience with Python
Have machine learning experience
Have solid skills in statistics and linear algebra (matrix rank, singular values, matrix decomposition, …)
Get at least six months to do your thesis project
Aim to go for a publication
Bring good vibes to your fellow data scientists

What do we offer?

A master thesis project, a compensation of 700 euros per month, close supervision, and a tight community of data scientists to interact with and learn from.

Rewards and benefits

This is a great opportunity to train with highly skilled people who are experts in their field. You’ll do a lot and learn a lot – not only about your specialist area and the bank, but also about yourself and whether this type of environment is right for you.

You’ll also benefit from

Internship allowance of 700 EUR based on 36 hours work week
Your own work laptop
Hybrid working to blend home working for focus and office working for collaboration and co-creation
Personal growth and challenging work with endless possibilities
An informal working environment with innovative colleagues

During the duration of your internship at ING, it is mandatory to be enrolled at a Dutch university (or EU-university for EU passport holders).

Questions?

Contact the recruiter attached to the advertisement. Want to apply directly? Please upload your CV and motivation letter by clicking the ‘Apply’ button.

About our internships

Every year, more than 350 students join our internship program. While there are no guarantees about your future, many of our former interns move into a permanent role or onto our International Talent Programme (traineeship).

Whatever happens, an internship at ING is the ideal opportunity to meet a wide variety of people, to build up your own network, and to learn about many different aspects of banking – put simply, it’s a great start to your career.

Apply now

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Julia Elekes

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ING’s vision is to unlock our people’s full potential through our inclusive culture where everyone has the opportunity to develop and have impact for our customers and society. To achieve this vision, our policies support diversity, equity, and inclusion. As an equal opportunity employer, we do not tolerate discrimination of any kind with regard to age, gender, gender identity, cultural background, experience, religion, race, ethnicity, disability, family responsibilities, sexual orientation, social origin, or any other status protected by applicable law. If you require any assistance or if we can accommodate you in any way when participating in our application and/or interview process, please email the recruiting contact listed for the relevant position. We will be happy to work with you to ensure a fair and accessible process. Read more about our commitment to diversity, inclusion and belonging here.

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IT gets you excited. You love to think analytically and conceptually. You courageously dive into complex systems. If you’re also interested in the real human user behind all this, then this is the perfect apprenticeship for you.

December 03, 2024

Article

Students & Graduates

Early Careers: Local Opportunities

• Valérie - Fraud specialist

In the fraud department, we complement and understand each other well

December 03, 2024

Article

Employee Stories

• Apprenticeship to become a dialogue marketing clerk

In this apprenticeship, you expand your professional, social and methodological capacities: You can get started right away and take on our customers’ needs. For you, it will mostly involve telephone and written contact with customers. We’ll be there to support you and show you the way.

December 03, 2024

Overview

Students & Graduates

Early Careers: Local Opportunities

• Jan Vercauteren - HR Digitalization Expert

Dad, I don’t feel comfortable in my own skin...

I might actually be in the wrong skin.

December 03, 2024

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Culture

Diversity, Inclusion & Belonging

Employee Stories

• Sara - Development Engineer

Inspiring women and kids to choose Tech.

December 06, 2024

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Expertise & Teams

Employee Stories

• Maxime - Private banker at ING

It's all about taking time and being curious.

December 03, 2024

Article

Expertise & Teams

Employee Stories

• Cedric - Private Banker at ING

I feel privileged to be their trusted advisor

December 03, 2024

Article

Expertise & Teams

Wholesale Banking

Employee Stories

•

Laia - Head of private banking Brussels at ING

Private banking will continue to grow in the coming years.

December 03, 2024

Article

Expertise & Teams

Wholesale Banking

Employee Stories

• Anna - Chapter Lead Data Analysis

Carte blanche to do your job. Even in Risk

December 06, 2024

Article

Expertise & Teams

Employee Stories

• Benoît - Credit Restructuring Officer

They gave me the time I needed to learn my job

December 06, 2024

Article

Expertise & Teams

Employee Stories

•

Matthieu - Chapter Lead & Front End Tech Lead

We have the same challenges as companies in Silicon Valley

December 06, 2024

Article

Expertise & Teams

Employee Stories

• Nyka - Change Expert

Moving freely.

December 06, 2024

Article

Expertise & Teams

Employee Stories

• Culture in the Netherlands

At ING, you'll work with great people: friendly, collaborative, and (we think) fun! Known for an excellent work culture, great benefits, and engaging work, we believe in sustainable progress for everyone, not just a few.

December 10, 2024

Overview

Culture

Diversity, Inclusion & Belonging

Employee Stories

• Acanthus Amsterdam Zuidoost

ING headquarters in Amsterdam Zuidoost, the Netherlands.

November 25, 2024

Article

Location Spotlight

• Apprenticeship to become a bank clerk

We’ll do everything we can to help you understand the needs of your customers. And you’ll help us reach our goal of making customers happy! You won’t just be crunching numbers: you’ll be gaining a feel for how to make banking easier.

December 03, 2024

Overview

Students & Graduates

Early Careers: Local Opportunities

• Charis Pattikawa Lead HRBP for Wholesale Banking

The support I get from ING is unrivalled, Charis Pattikawa Lead HRBP for Wholesale Banking

December 17, 2024

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Expertise & Teams

Employee Stories

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Marissa Gijsen, Safe Business Officer in Business Lending ING

Marissa Gijsen, Safe Business Officer in Business Lending at ING in the Netherlands

December 30, 2024

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Retail Banking

Employee Stories

• Todor Mohan Credit Risk Modeller at ING

Todor Mohan Credit Risk Modeller at ING: It’s super easy to connect with the other members of my team. Most of us come from abroad so we share the same experiences

January 03, 2025

Article

Expertise & Teams

Employee Stories

• Banking in The Netherlands

Making a difference for our millions of customers, our planet, and society.

November 27, 2024

Overview

Expertise & Teams

Retail Banking

• Building cultural bridges makes teams more innovative

Multicultural teams - good for new ideas or more of a challenge? Qian talks about herexperiences in her everyday work life.

December 02, 2024

Article

Culture

Diversity, Inclusion & Belonging

Employee Stories

•

FAQ's and unfiltered answers.

What are the most Frequently Asked Questions to ING as an employer? We asked our trainees to give their (unfiltered) opinions about the programme, their experiences and the interview procedure. Tune in!

December 03, 2024

Overview

Culture

Students & Graduates

Early Careers: Global Graduate Programme

Early Careers: Local Opportunities

Employee Stories

•

Roll up your sleeves! The courage to change and be flexible

Sonja from HR never really planned to work at a bank. But the vibe at the interview won her over.

December 09, 2024

Article

Culture

Students & Graduates

Early Careers: Global Graduate Programme

Employee Stories

• It is important to keep an open mind

Beau tells us about the challenges she faces in an international working environment and how they helped her grow.

December 09, 2024

Article

Diversity, Inclusion & Belonging

Wholesale Banking

Employee Stories

• ING, a Pioneering Employer

At ING we are committed to diversity, inclusion and belonging, not just because it is the right thing to do.

November 07, 2024

Article

Culture

Diversity, Inclusion & Belonging

Benefits

• FAQ Internships

Check out all the ins and outs of our internships.

January 16, 2025

Overview

Culture

Students & Graduates

Early Careers: Local Opportunities

•

Women in Tech story: Zhilla Noorbakhsh Global Head of Technology at ING

Zhilla is a strong advocate for creating opportunities and empowerment for women, particularly when it comes to women in the tech sector. More than 25 years ago, she was one of only six women studying software engineering at university in her native Iran. Moreover, in her first job, she was the only female employee in the entire company.

November 24, 2024

Article

Expertise & Teams

Employee Stories

Homepage - Testimonials

• Benefits at ING Bank Śląski

At ING, we believe in a world where everyone has rights to develop on your own terms. "Do your thing" applies not only to our clients, but also to over eight thousand working people.

November 19, 2024

Overview

Benefits

ING Bank

• Trabajar en ING España

Somos un equipo de más de 1.600 personas animadas por un mismo propósito: aportar nuestro granito de arena para ayudar a nuestros clientes a crearse un futuro mejor, proporcionándoles las herramientas que necesitan para llegar adonde quieren.

August 13, 2024

Article

Overview

Expertise & Teams

Benefits

Early Careers: Global Graduate Programme

Location Spotlight

• Mats, Trainee Business Banking

"Amsterdam or Milan: never a dull moment"

November 15, 2024

Article

Retail Banking

Early Careers: Global Graduate Programme

Early Careers: Local Opportunities

Employee Stories

• It needs to come from the heart

How Thomas balances work and volunteering.

January 20, 2025

Article

Culture

Employee Stories

• We are a bank for banks

Colleagues from all over the world work together in the Asset Securitisation team – but what exactly do they do?

January 20, 2025

Article

Culture

Expertise & Teams

Wholesale Banking

Employee Stories

• Get to know us

The best way to learn about who we are and how we work together is directly from our colleagues.

January 22, 2025

Article

Overview

Culture

Expertise & Teams

Benefits

Employee Stories

•

Us women are stronger than we think!

From intern to manager: find out all about Sanja's career path at ING.

January 22, 2025

Article

Culture

Wholesale Banking

Early Careers: Local Opportunities

• From Frankfurt to Amsterdam and back

From Trainee to Chapter Lead – Merit shares her exciting career journey at ING Germany.

January 23, 2025

Article

Culture

Students & Graduates

Early Careers: Local Opportunities

Employee Stories

• Amit, Java Developer & cloud native expert

December 06, 2024

Article

Expertise & Teams

Employee Stories

• Tech Conference ING booth

Meet us at Tech Conferences in Europe

January 22, 2025

Article

Expertise & Teams

Events

•

HerHackathon – a chance to empower women in tech

Female power, team spirit, innovation – HerHackathon 2023

January 27, 2025

Article

Expertise & Teams

Employee Stories

• ING, a pioneering employer

At ING we are committed to diversity, inclusion and belonging, not just because it is the right thing to do!

November 29, 2024

Article

Diversity, Inclusion & Belonging

• Thoughts on Ramadan

As a devout Muslim, how does Ahad combine the holy month of Ramadan with his full-time job? He shares his experiences with us and explains why Ramadan is about more than just abstaining from food and drink.

January 31, 2025

Article

Culture

Diversity, Inclusion & Belonging

Employee Stories

• Wholesale Banking w Ameryce Północnej

Jesteśmy obecni w Meksyku, Dallas, Houston, Los Angeles i Nowym Jorku, gdzie łączymy głęboką wiedzę sektorową z szeroką gamą produktów finansowych.

August 13, 2024

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Expertise & Teams

Wholesale Banking

• Fadi Esak, Financial Coach

Taking that extra step for the customer

February 14, 2025

Article

Retail Banking

Early Careers: Local Opportunities

Employee Stories

•

Deep Fakes: How to battle deep fakes and AI-powered scammers

On 18 July 2024, ING’s Security & Fraud Chapter Leads Aurel-George Proroocu and Mihai Roman will be speaking at the WeAreDevelopers World Congress in Berlin. It’s the world’s leading event for developers and tech decision-makers.

February 25, 2025

Article

Expertise & Teams

Employee Stories

Homepage - Testimonials

• Benefits in the Netherlands

At ING, our mission is to ‘empower people to stay a step ahead in life and in business’ – not only our customers, but also our employees. In line with this, we offer a unique – and sometimes even surprising – benefits package.

October 01, 2024

Overview

Benefits

• Become a Customer Journey Expert | ING Belgium

Discover Customer Journey Expert careers at ING Belgium. Improve customer experiences, drive innovation and work with diverse teams.

February 21, 2025

Overview

Expertise & Teams

• Deri from ING Hubs Poland

Tips for fostering inclusion at the workplace during Ramadan

February 19, 2025

Article

Employee Stories

Homepage - Testimonials

• International Women’s Day 2025

Progress check on our gender equity goals.

March 05, 2025

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Diversity, Inclusion & Belonging

• Capital Markets & Advisory - Early Career Group

Explore your talent to become an investment banker

March 24, 2025

Overview

Expertise & Teams

Students & Graduates

Wholesale Banking

Early Careers: Local Opportunities

• Lise - Customer Journey Expert and Product Owner

Knowing that your customers are grateful for what you do

March 17, 2025

Article

Expertise & Teams

Employee Stories

Homepage - Testimonials

• Beste - Customer Journey Expert and Product Owner

I look for constant personal and professional growth

March 17, 2025

Article

Expertise & Teams

Employee Stories

Homepage - Testimonials

• Stefan - Customer Journey Expert and Product Owner

It’s not just about what’s important to ING, but to the customer

March 17, 2025

Article

Expertise & Teams

Employee Stories

Homepage - Testimonials

• Financial Markets Graduate Programme

Providing risk distribution and hedging for institutional and corporate clients

March 20, 2025

Overview

Expertise & Teams

Students & Graduates

Wholesale Banking

Early Careers: Local Opportunities

Programmes

• Vincent - Data Analyst

Data helps you make smarter decisions

March 17, 2025

Article

Expertise & Teams

Employee Stories

Homepage - Testimonials

• Working at ING in Germany

We’ve got over 9 million customers in Germany who trust us, making us the third largest bank in the country. Our core business includes savings accounts, mortgages, investment products, consumer loans and current accounts for private customers.

August 13, 2024

Article

Overview

Culture

Expertise & Teams

Students & Graduates

Benefits

Early Careers: Global Graduate Programme

Early Careers: Local Opportunities

Employee Stories

Location Spotlight

ING Hubs

•

Getting out of your comfort zone – and into a positive mindset

Marlly came to ING Germany in 2022 and took part in the Junior Expert Program. After just three months, she already found her professional home and started full steam ahead as a Feature Engineer.

April 24, 2025

Article

Culture

Diversity, Inclusion & Belonging

Early Careers: Local Opportunities

Employee Stories

• Niki & Sebastiaan | Capital Markets & Advisory

‘A unique opportunity to dive deeper into the world of investment banking’

May 23, 2025

Article

Culture

Expertise & Teams

Students & Graduates

Wholesale Banking

Early Careers: Local Opportunities

Employee Stories

Homepage - Testimonials

• Meet us at European Women in Tech 2025

Keynote speaker on mainstage at European Women in Tech in Amsterdam, Bidisha Agarwal, ING Tech Lead in Amsterdam

June 13, 2025

Article

Expertise & Teams

Events

• Celebrating Pride at ING

We don’t judge people for their food preference, so why do it for who they love?

June 12, 2025

Article

Diversity, Inclusion & Belonging

• Isabelle, fraud operations target operating model lead

I received the boost I needed and rediscovered the power to take control of my own vitality.

September 03, 2025

Article

Benefits

Employee Stories

Homepage - Testimonials

•

How Filip looks into the crystal ball for our business

Filip on ING’s Unique Culture, International Cooperation, and How It Stands Apart from Conventional Banks

September 03, 2025

Article

Culture

Early Careers: Local Opportunities

Employee Stories

• Provide perfect financial advice

The trusted voices behind life’s most important financ

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Internship - Predicting confidence bands for future account balances

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