Why USAA?
Let's do something that really matters.
At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation's military, but we all share in the mission to give back to those who did. We're working as one to build a great experience and make a real impact for our members.
We believe in our core values of honesty, integrity, loyalty and service. They're what guides everything we do - from how we treat our members to how we treat each other. Come be a part of what makes us so special!
The Opportunity
There are multiple positions available for this posting.
The Opportunity
As a dedicated Fraud At-Risk Persons Investigator I, you will help protect, and be an advocate for, our vulnerable membership, identify fraud trends, and surface opportunities to proactively address member pain points, improve fraud resolution policies and assist members with achieving a timely, simple, and efficient resolution to their fraud event. You will perform fraud reviews for investigations of a complex nature on occasion as well as fraud reviews for investigations of a less complex nature. You will be the face of the company for our At-Risk population of members and will utilize product and system knowledge to conduct fraud reviews. You will be required to develop accurate, compliant, and consistent documentary evidence to support fraud review decisions provided to members, contact law enforcement authorities as well as state agencies, analyze subpoenas and requests for information from third parties, and make decisions on fraud events in compliance with applicable state and federal laws. You will complete interviews with internal and external parties and perform remediation activities in support of fraud operations to alleviate any potential negative impact to our members or organization. You will help champion a culture of passionate member advocacy, process excellence, and risk management, while identifying opportunities to optimize fraud resolution processes.
We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX or Charlotte, NC.
Relocation assistance is not available for this position.
What you'll do:
Manages and conducts fraud investigations with a higher level of complexity of suspected or known criminal activity involving multiple bank or investment products, payment types, and fraud categories.
Reviews monetary and non-monetary fraud transaction to detect fraudulent patterns and trends in support of the investigative process.
Performs thorough analysis of evidence; assesses veracity of information compiled, to include documentary materials and results of interviews, to develop investigative conclusions.
Utilizes advanced knowledge of the Bank Secrecy Act, USA Patriot Act, applicable laws and regulations, company policies, and best practices in the investigative field to organize investigative results.
Prepares cases for criminal prosecution and presents evidence to appropriate law enforcement agencies for prosecution.
Provides testimony to the grand jury and trial courts and file regulatory reports as necessary.
Participates, in task groups and committees for the purpose of reviewing and improving policies, procedures, and processes or providing subject matter expertise.
Utilizes deep product and system knowledge within USAA's Bank to conduct investigations.
Identifies and resolves issues; identifies appropriate issues for escalation such as fraudulent trends, vulnerabilities causing increased fraudulent activity and/or larger than normal losses.
Serves as a liaison with law enforcement agencies and other institutions to ensure USAA is informed of all relevant potential risks.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
What you have:
Bachelor's Degree; OR 4 years of related financial services or federal, state, local, or military law enforcement investigations experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
4 years of experience in financial services or financial crimes experience to include 2 years of federal/local/state/military law enforcement investigations.
Advanced knowledge of the Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations.
Advanced knowledge of Microsoft Office.
Strong oral and written communication skills.
Demonstrated experience analyzing and interpreting data to identify trends and patterns.
What sets you apart:
4 or more years progressive operations or process experience in the financial services.
Understanding of federal laws, state laws, rules, regulations, and applicable guidance, to include: UDAAP, FCRA/Reg V, TILA/Reg Z, BSA/AML, EFTA/Reg E, Reg CC, OCC Heightened Standards, Red Flags applicable to Identity Theft and/or Elder/Vulnerable Adult Exploitation, state laws applicable to Powers of Attorney, Guardianship and Conservatorship and state laws applicable to the detection, prevention and reporting of exploitation of elder or vulnerable adults.
Certified Fraud Examiner (CFE) certification, ACAMS certification, Certified AML & Fraud Professional (CAFP), or other industry designation, or ability to obtain within a year of employment.
Experience working in a Fraud role using attention to detail and high concern for data privacy and accuracy.
Experience in a customer facing role, using analytical and problem-solving skills.
Strong understanding of fraud threat vectors, technologies, and effective mitigation tactics.
Experience reviewing, interpreting, and dispositioning subpoenas or requests for information from external parties.
Experience drafting, reviewing, editing, and filing Suspicious Activity Reports with the Financial Crimes Enforcement Network.
Ability to think outside the box and help champion a culture of passionate member service, process excellence, and risk management to help protect our At-Risk membership.
U.S. military experience through military service or a military spouse/domestic partner.
The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
What we offer:
Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $67,220 - $128,480.
Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.
Relocation assistance is not available for this position.
Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
If you are an existing USAA employee, please use the internal career site in OneSource to apply.
Please do not type your first and last name in all caps.
Find your purpose. Join our mission.
USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.
USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself - you just need to share our passion for serving our more than 13 million members.
USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.
USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.
