Senior Fraud Governance Advisor

Why USAA

At USAA our mission is to empower our members to achieve financial security through highly competitive products exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA where our core values honesty integrity loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

As a dedicated Senior Fraud Governance Advisor you will establish execute and govern fraud management activities to include risk assessments policies frameworks standards processes and tools as a first line of defense function. Serves as a fraud risk management subject matter expert to ensure documents projects programs processes and product initiatives comply with regulatory legal requirements and fraud policies and standards. Partners and collaborates with the lines of business Compliance and Risk Management Audit Services Legal and Regulators to support enterprise fraud management-based initiatives for the Staff Agency or Line of Business (LOB) supported.

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 or Tampa FL.

Relocation assistance is not available for this position.

What youll do:

• Guides and facilitates cross-functional team members in the implementation management and oversight of fraud risk management workstreams projects and solutions.
• Utilizes subject matter expertise of fraud risk management requirements policies laws and regulations to influence business strategies and solutions and advise the business on how to strengthen and manage fraud risk requirements on business action plans projects or operational requests.
• Contributes to the execution of risk assessments with business partners and the lines of business to determine impact and solutions.
• Identifies operational inefficiencies and emerging fraud management risks compliance and control issues in the operating environment concurrent with implementing action plans to mitigate business impact.
• Provides guidance to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure proper execution of conduct examinations.
• Manages and responds to regulatory requirements and requests and ensures the execution of conduct examinations. Periodically briefs executive management on enterprise projects and initiatives that may impact fraud risk.
• Serves as a mentor to peers and team members for assigned area of responsibility.
• Develops and executes training plans tied to fraud risk management through understanding of regulatory and industry trends..
• 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:

• Bachelors degree; OR 4 years of relevant education and/or experience.
• 6 years of operations experience in a relevant functional area to include financial services Fraud AML compliance risk audit third party risk management or other related operational areas that support fraud risk management initiatives within the business.
• 4 years of fraud compliance risk audit or regulatory related experience with accountability for projects programs processes or policies.
• Proven knowledge of relevant laws regulatory compliance industry regulations and regulatory data sources.
• Demonstrated analytical organizational and problem-solving abilities requiring a high attention to detail to identify fraud risks and trends.
• Strong communication skills with the ability to collaborate and execute among cross-functional teams including all levels of the organization and with external regulatory agencies.
• Knowledge of federal laws rules and regulations to include: PCI REG CC REG E UCC FCRA BSA/AML Elder Financial Exploitation guidance OCC Fraud Risk Management 2019-37.

What sets you apart:

• US military experience through military service or a military spouse/domestic partner
• Fraud & Claims experience required
• Knowledge of federal laws rules regulations and applicable guidance to include OCC Heightened Standards BSA/AML REG E UDAAP/UDAP TILA/REG Z SCRA FCRA MLA.
• 4 years of bank product(s) related experience i.e. deposit accounts credit card mortgage consumer loans HELOC disputes
• 5 years of proven experience writing and editing business procedures standard operating procedures (SOPs) or technical documentation
• Ability to translate complex processes into clear concise and user-friendly content
• Strong understanding of process documentation frameworks and business process flows (e.g. L1-L5 mapping).
• Demonstrated ability to analyze complex situations identify root causes and develop effective solutions.
• Strong problem-solving and analytical skills.
• Excellent communication organizational and time management skills.
• Experience working in a regulated environment.
• Experience with risk management principles.
• Ability to work effectively under pressure and meet deadlines
• Issue Management related experience

Compensation range: The salary range for this position is: $93770 - $179240.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e. H-1B TN STEM OPT Training Plans etc.).

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.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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.

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 visit our benefits page on .

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.