Stenson and Rahm each had a 3-under 69 to join Finau at 13-under 203. Rahm, making his first trip to the Bahamas for this event, figured out early that the key to scoring at Albany were the five par 5s and two reachable par 4s.
Swede Stenson faded with a 71 to finish six shots back in fourth place in the elite 18-man field.
From the moment he stepped onto the first tee on his pro debut back in June 2016, a week after finishing T-23 in his last event as an amateur at the US Open, Jon Rahm had "class and talent" written all over him. "Just one of those days where I kept feeling like I was fighting from behind and somehow wound up with even par".
The former world number one hit his last competitive stroke of 2018 at his own Hero World Challenge in the Bahamas on Sunday.
"We play a lot of golf courses on the PGA Tour there's only two or three, so to be able to have those couple extra par-fives you just know you're going to have some opportunities to score and I've been able to take advantage of those opportunities", added Finau, who is nine-under on 15 par-fives through three rounds. Patrick Cantlay was 12 shots better than Saturday, closing with a 64 to tie for fifth with defending champion Rickie Fowler.
"It was an incredible year", Woods said.
He was in last place, 11 shots out of the lead. The day prior, Rahm, too, had expressed his satisfaction at capitalising "on the easier holes", and the Spaniard reiterated the victor was likely to emerge from whoever did that best on Sunday. "That's what I want to do". "But I don't think they did a year ago, and Rickie shot 11 under, right?" He said, "I also use it as a learning curve because you can learn all these great things that all these great players have done, and use them for yourself". It's a disappointing end to a successful comeback for Woods, who won the Tour Championship but struggled to keep dropped shots off his card - including a double bogey on the 18th on Friday that saw him at the center of a rules issue.
"I didn't really figure out my putter well today, missed quite a few short ones", Woods said. While it was a somewhat poor end to the year - finishing second to last at one under par, 19 strokes behind victor Jon Rahm - 2018 was far from a failure for Woods. That was just too much for my body to handle and I was not physically prepared for it.