Fraud Strategy Analyst Lead

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 Analytics Lead, you will be accountable for driving USAA’s overall fraud strategy, policies, and analytic capabilities for fraud rules management. This role will collaborate with key stakeholders across the enterprise, influencing outcomes in a complex, matrixed environment. This role will be an active participant in industry efforts to share and receive information, build industry partnerships and relations to formulate USAA’s global fraud strategies and policies to better protect USAA from current, evolving, and future fraud threats.

This role is remote eligible, however, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

Relocation assistance is not available for this position.

What you'll do:

• Leverages expert business, analytical and technical knowledge within Financial Crimes to lead discussions with cross functional teams to understand and collaborate highly complex business objectives and influence solution strategies.
• Serves as a subject matter expert in multiple areas of focus and drive conversations around technical solutions to build more effective strategies, systems, processes, or resources which benefit the business needs.
• Develops and supervises progress of strategic plan for opportunities and adjusts to rapid changes in the environment.
• Effectively communicates with Fraud Strategy teams and stakeholders and implements business strategy and aligns with the company's overall goals.
• Leads discussions within a single vertical (or area of focus) that are responsible for implementing the fraud strategic plan that will result in both the short and long-term growth of the business.
• Leads large scale implementations and projects that impact managed tools.
• Leads cross functional teams to improve, synchronize, and integrate process controls and automation.
• Monitors, understands and embraces emerging technology that can affect the application of scientific methodologies and/or quantitative analytical approaches to problem resolutions.
• Succinctly delivers sophisticated analysis/findings in a manner that conveys understanding, influences senior executives, garners support for recommendations, drives business decisions, and influences business strategy.
• 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.
• 8 years of experience in financial crimes supporting and participating in stakeholder consultation, needs assessment, requirement translation and prescription of technology solutions.
• Comprehensive understanding of the end-to-end process of gathering business requirements and applying business rules to recommend technology solutions.
• Expert knowledge and demonstrated experience using fraud rules management to recommend and implement strategies that reduce or mitigate loss and fraud exposures.
• Knowledge of data analysis tools, data visualization, developing analysis queries and procedures in SQL, SAS, BI tools or other analysis software, and relevant industry data & methods and ability to connect external insights to business problems.
• Extensive knowledge of bank laws and regulations related to money movement and /or payments, including but not limited to Reg E, Reg CC, UDAAP, FACTA and Reg Z.
• Strong written and verbal communication skills, with demonstrated ability synthesizing data and clearly reporting findings.

What sets you apart:

• US military experience through military service or a military spouse/domestic partner
• Prior internal fraud experience
• Fraud Analytics experience specific to retail banking, credit card, debit card, deposits, checking account
• Programming experience in data analysis tools, data visualizations, and developing analysis queries and automation techniques utilizing SQL, SAS, Tableau, and Snowflake
• System knowledge operating a fraud detection engine tool i.e. Actimize, Advanced Defense, Falcon Expert