Business Risk and Controls Advisor Senior - Bank

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 Business Risk and Controls Advisor, you will provide subject matter expertise to the Consumer Lending & Credit Card Transaction testing team and business partners. Test for regulatory requirements with a high attention to detail. Perform peer review (audit the auditor) on other team member’s test results.

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

Relocation assistance is not available for this position.

What you'll do:

• Lead and drive solutions for stronger controls, and in support of risk and/or regulatory compliance related initiatives which may include oversight of procedures/process, accurate regulatory reporting and filing, document governance, risk control self-assessments, procedure governance, control design, new product controls, CoSA Third Party Governance, or quality governance.

• Perform ongoing supervision and oversight of business controls and shares knowledge to evaluate the effectiveness of established business controls.

• Responsible for risk data analysis, report preparation and trend analysis, using business intelligence tools.

• Anticipate business needs and proactively finds opportunities to improve and strengthen the control environment through actionable insights.

• Assist with translating control deficiencies into action plans and provides recommendations to enhance governance practices in alignment with frameworks.

• Partner with team members to drive improvement efforts to correct or prevent unfavorable trends and assess the impacts.

• Lead project team through concept, planning, execution, and implementation phases for effective and timely Risk remediation.

• Advise senior management on the status of their control environment related to Risk identification and control weaknesses. Identifies critical areas to monitor and brings up issues and findings to appropriate partners.

• Build and maintain processes, procedures, and tools for handling exception alerts as they occur, including monitoring of resulting exception cases.

• Provide control oversight to ensure compliance with laws and regulations.

• Serve as a primary resource to team members.

• Ensure 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.

• Minimum 6 years' experience supporting risk-related, compliance related, or business control design activities; OR 6 years' experience in a relevant quantitative field; OR Advanced degree or designation in a risk management or quantitative field, and 4 years' experience supporting risk-related, and/or compliance-related, or business control design activities; OR PhD in a risk management or quantitative field, and 2 years of experience supporting risk-related, and/or compliance-related, or business control design activities.

• Knowledge of federal laws, rules, regulations, and applicable guidance to area supported for example: OCC Heightened Standards, BSA/AML, REG E, UDAAP/UDAP, TILA/REG Z, SCRA, FCRA, MLA.

What sets you apart:

• Consumer Lending and/or Credit Card regulatory compliance subject matter expertise – breadth and depth.

• Experience analyzing and testing Consumer Lending and/or Credit Card regulatory requirements.

• Strong critical thinking, innate curiosity, attention to detail, and organizational skills.

• Proven ability to build strong relationships with business partners including effective written and verbal communication and collaboration to influence change.

• Compliance or risk designation such as Certified Regulatory Compliance Manager (CRCM), Certified Enterprise Risk Professional (CERP), or similar.

• US military experience through military service or a military spouse/domestic partner.

Compensation range: The salary range for this position is: $103,450.00 - $197,730.00.