Bank Risk Testing Analyst Senior

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.

The Opportunity

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

As a dedicated Bank Risk Testing Analyst Senior, you’ll perform independent testing within the Second Line of Defense. Identify problems for resolution in support of risk-based testing of Bank Fraud Management, Enterprise Fraud, and general banking engagements involving fraud risk. Continuously enhances knowledge of fraud, financial crimes, and related consumer regulations and applies that knowledge to testing assignments. Performs risk and control identification and evaluation, increasingly complex testing techniques, research, analysis and conducts client meetings and interviews. Experience with External and/or Internal Fraud, or conduct risks and requirements is preferred.

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 you'll do:

• Develops the steps needed to test and/or analyze compliance with complex policies/procedures and laws/regulations.
• Conducts appropriate, independent testing to ensure operational risks and compliance requirements are adhered to. Prepares detailed and objective work papers to support conclusions.
• Reviews issues and findings to provide effective challenge and quality of supporting documentation.
• Performs complex qualitative analysis of data.
• Identifies potential control weaknesses and makes recommendations to remediate issues.
• Manages all aspects of a compliance and operational risk test from end to end.
• Serves as a resource to team members on advanced issues.
• Builds, develops, and maintains relationships with business and internal control partners (Audit, Risk & Compliance, Legal) to facilitate collaboration between all lines of defense for testing.

What you have:

• Bachelor's degree OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree (10 years total experience).
• 6 or more years of proven experience (internal/external audit, operational risk/compliance testing, quality assurance).
• Demonstrated experience interpreting and applying federal and state laws and regulations and guidance or operational risk principles/concepts.
• Sophisticated knowledge of testing techniques and data analysis principles, as well as the ability to interpret subsequent results.
• Demonstrated ability to communicate optimally at all levels of management.
• Proficiency in Excel, Word, and PowerPoint.

What sets you apart:

• Prior experience working in a fraud-related role (e.g., fraud investigations, fraud QA/QC, fraud compliance testing, fraud risk management, fraud internal audit, fraud consulting, etc.) for a large financial institution.
• Fraud-related certification (e.g., CFE, CAMS, CAFS, CFCI, etc.) or undergraduate/advance degree in fraud, investigations, forensic accounting, financial crimes, or related discipline
• Proven ability to drive standard process risk testing or auditing techniques (e.g., control testing/adherence testing).
• Strong (oral and written) communication with partners/executive leadership, to provide effective reporting, planning, and training across the team.

Compensation range: The salary range for this position is: $103,450 - $197,730.

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 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.