Purpose of Job
ABOUT USAA
USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.
The Financial Crimes Investigator, Intermediate conducts internal or external fraud investigations and files regulatory reports according to legal requirements while ensuring adherence to all applicable deadlines. Completes interviews with internal and external parties. Performs mitigation and remediation activities while using multiple applications and platforms in support of fraud operation activities to alleviate any potential negative impact to members and/or the organization.
USAA values a culture that is highly collaborative, and we have found that a hybrid work type helps employees gain the best of both worlds - collaborating in-person in the office and working from home. The actual onsite days are settled between each employee and the employee's manager. Candidates are expected to live a commutable distance from one of our offices in San Antonio, TX or Phoenix, AZ.
Job Requirements
Primary Responsibilities:
Identifies and handles existing and emerging risks that stem from business activities and the job role.
Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled.
Follows written risk and compliance policies, standards, and procedures for business activities.
Conducts less sophisticated fraud investigations of suspected or known criminal activity, which includes cases of less severity, cases with less member accounts and transactions, or limited to one fraud type.
Reviews monetary and non-monetary fraud transactions, conducts interviews, and analyzes transaction data to detect fraudulent or unusual patterns and trends in support of the investigative process.
Performs detailed analysis of evidence; assesses veracity of information compiled, to include documentary materials and results of interviews, to develop investigative conclusions.
Applies knowledge of the Bank Secrecy Act, USA Patriot Act, applicable laws and regulations, company policies and standard methodologies in the investigative field to organize investigative results,
Prepares cases for criminal prosecution, obtains and preserves evidence, and presents evidence to appropriate law enforcement agencies for prosecution.
May provide testimony to the grand jury and trial courts and file regulatory reports as necessary.
Identifies and partners with tenured Investigators to resolve 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.
Minimum Qualifications:
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.
2 years of experience in financial services investment, or financial crimes.
Basic understanding of the Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations.
Intermediate knowledge of Microsoft Office.
Strong oral and written communication skills.
Strong analytical experience.
Preferred Qualifications:
Active Certified Fraud Examiner (CFE) certification
2+ years of recent financial crimes experience in banking
Strong knowledge of the Bank Secrecy Act
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.
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 position. The salary range for this position is: $46,000-$82,900 * .
Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.
*Geographical Differential : Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.
Shift premium will be addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.
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.
To see details on our outstanding benefits, visit USAA Total Rewards. (https://hrportal.ehr.com/usaa/Prospective-Employees)
Relocation assistance is not available for this position.
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.
