Fraud Risk Assessment Senior

USAA; Charlotte (NC); Remote; USD 93,000 - 180,000; Full time

Job summary

USAA seeks a Fraud Risk Assessment Senior to enhance its fraud management efforts. The role involves risk assessments, regulatory compliance, and collaboration across departments to mitigate fraud risks. A successful candidate will bring extensive experience in financial services, strong analytical skills, and a commitment to excellence in service delivery. Join USAA and contribute to protecting the financial interests of the military community.

Benefits

Comprehensive medical, dental, and vision plans

401(k) and pension

Paid time off and volunteer hours

Career development programs

Qualifications

• 6 years of operations experience in financial services or related fields.
• Experience in fraud, compliance, or risk management.
• Strong knowledge of relevant laws and regulations.

Responsibilities

• Conduct fraud risk assessments and develop mitigation plans.
• Collaborate with stakeholders to support enterprise fraud initiatives.
• Mentor team members and manage fraud-related projects.

Skills

Analytical

Problem-solving

Communication

Education

Bachelor’s degree

Job description

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Join to apply for the Fraud Risk Assessment Senior role at USAA

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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.

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

As a dedicated Fraud Risk Assessment Senior, you will establish, execute, and govern Bank Fraud Prevention impact and risk assessment activities including conducting risk and impact assessments, creation and management of change preparedness and risk mitigation plans, and coordination of stakeholder activities. Serve as a fraud risk management subject matter expert to manage initiative requests from across the association and evaluate for risk and impact to the Bank Financial Crimes function. Initiatives may arise from Bank Change Management (BCM) activities, Fraud and Enterprise Product partners, as well as internal-sponsored initiatives. Partner and collaborate with all areas of the Bank Financial Crimes business functions, Bank and Enterprise product partners, 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.

This position can work remotely in the continental U.S. with occasional business travel.

What You'll 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

• Bachelor’s degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 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

• Risk Assessment & Evaluation: Experience identifying, analyzing, and evaluating potential risks associated with product changes, particularly concerning fraud implications.
• Fraud Expertise: Experience identifying and managing fraud schemes and vulnerabilities, knowledge of detection methods, specifically regarding how changes might introduce new risks or exploit existing weaknesses.
• Stakeholder Management: Proven ability to collaborate effectively with and influence key stakeholders across different departments.
• Product Knowledge: Understanding of various product types and how they function, enabling effective impact assessment across different product lines.
• U.S. military experience through military service or a military spouse/domestic partner.
  
  

Compensation range: The salary range for this position is $93,770 - $179,240.

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 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.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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