Why USAA?
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
We are looking for a skilled Risk Analyst Lead - Bank with a strong background in Authentication Programs and expertise in bank authentication tools, solutions, and best practices. The ideal candidate will have in-depth knowledge of laws, rules, and regulations, along with experience in Operational Risk Programs and SLOD risk. If you have a proven track record of independently leading projects and delivering detailed meeting materials to executive leadership, we want to connect with you!
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, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.
Relocation assistance is not available for this position.
What you'll do:
Identifies and seeks key partners across the enterprise to support the identification, assessment, aggregation and the overall management of risks and controls.
Presents findings and recommendations to various levels of leadership.
Routinely communicates results of risk assessments to governance committees, business process owners and various levels of leadership and influences decision making.
Develops process and procedures for successful implementation of new risk policies, practices, appetites and solutions to ensure comprehensive understanding and management of risks according to industry standard process.
Develops strategies, tools, and methodologies to measure, monitor, and report risks.
Applies experienced knowledge to use or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.
Leads, assembles and facilitates cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.
Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.
Formulates and reviews stress test plans for a line of business or the enterprise.
Evaluates results, and frames contingency plans in partnership with key business partners.
Crafts key communications to be delivered to executives and board members.
What you have:
Bachelor's degree in Risk Management, Business, Finance, or a related field or 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.
8 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area.
Or advanced degree/designation in Risk Management, Business, Finance, or other field relevant to risk management and 6 years of work experience in a field relevant to risk management.
Detailed risk management experience in a complex institution and/or highly matrixed environment.
Proven experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.
Experience leading and advising work with both internal and external partners in a highly collaborative environment.
Proven critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include proven track record to effectively make data-driven decisions.
Proactively identifies potential concerns and follows-up to resolve issues.
Detailed knowledge of Microsoft Office products including Excel and PowerPoint.
Knowledge of federal regulation 12 CFR Part 30, including Appendices A and D and with federal supervisory guidance, to include:
OCC Documents: Large Bank Supervision Handbook; OCC Safety and Soundness Handbooks - Internal Controls, Corporate & Risk Governance, Retail Lending; and key OCC bulletins - Model Risk Governance, Model Risk Management, New Products and Services Risk Management, Third Party Risk Management, Technology Risk Management, Stress Testing, and Operational Risk
Federal Reserve Documents: Consolidated Supervision Framework for Large Financial Institutions; Federal Reserve Board Bank Holding Company Supervision Manual
FFIEC Manuals and Handbooks to include: Banking, General understanding of federal laws, rules, and regulations, to include: CRA; ECOA; FCRA; MLA; SCRA; Regulation DD; Regulation E; Regulation Z; BSA/AML; and UDAP/UDAAP
*Laws and Regulations for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory guidance applicable to the organization and responsibilities of the role.
What sets you apart:
5+ Years Fraud Risk Experience
Experience coordinating across lines of business and influencing risk decisions
Knowledge of Authentication Programs including laws, rules, regulations
Knowledge of Industry Best Practices for Authentication Programs
Knowledge and experience in Bank Authentication tools and solutions
Experience coordinating across lines of business and influencing risk decisions
Experience with OCC Heightened Standards and implementation of these expectations across large banks as part of a Risk Governance Framework
Experience with development risk management frameworks and key components including risk appetite metrics, key risk indicators, operational losses, stress testing and scenario analysis
Experience defining and setting risk appetite approaches and limit methodologies.
Consistent record to lead projects successfully with minimal direction.
Experience preparing and delivering accurate and concise meeting materials for senior leadership and regulatory audiences
Validated understanding and experience in leading and/or performing core Operational Risk Programs (e.g., RCSA, Issues Management, Metrics, Issues Management).
Critical thinking ability and ability to understand risk management principles.
Industry certifications such as ABA, CFE, ACAMS are desired but not required
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: $138,230 - $264,200 .
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.
For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.
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.
California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static_assets/Media/enterprise_hr_cpra_notice_at_collection.pdf) here.
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.
