Business Risk and Controls Advisor Lead - 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

We're looking for a proactive individual to champion risk awareness and boost the effectiveness of our risk and compliance programs. You'll team up with various departments, including Compliance, Risk Management, Operations, IT, and even Regulators, to support important risk and compliance projects. You'll play a key role in ensuring our leaders follow the risk framework, oversee business controls, evaluate how well those controls are working, identify any weak spots, and help fix them. You'll also be involved in audits and regulatory exams and monitor our first line of defense to keep our risks low and our controls strong. If you're a critical thinker who can analyze data to find key insights and strengthen our defenses, we want you!

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, Chesapeake, VA or Tampa, FL.

Relocation assistance is not available for this position.

What you'll do:

• Direct and oversee multiple initiatives in support of risk and/or regulatory compliance related initiatives including but not limited to oversight of procedures/process, accurate regulatory reporting and filing, document governance, Risk Control Self-Assessments, procedure governance, control design, new product controls, Company or Staff Agencies Third Party Governance, or quality governance.

• Apply an integrated understanding of risk and regulatory compliance to include business strategies and solutions.

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

• Design solutions for unanswered business questions and anticipates future business needs.

• Direct, organize and oversee action plans designed to enhance governance practices in alignment with frameworks.

• Influence and develop innovative solutions to mitigate risk and prevent risk exposures which result in significant business impacts.

• Lead the most complex projects involving cross-functional areas.

• Define and outline new approaches to problem resolution and leads project team from concept through implementation.

• Counsel senior management on the status of their control environment related to risk identification and control weaknesses.

• Identify critical areas to monitor and raises issues and findings to appropriate partners.

• Serve as a primary resource to cross functional team members and advises on risk mitigation opportunities.

• Stay informed of changes to the regulatory environment to ensure proper compliance with processes and requirements are followed.

• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with 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 8 years' experience supporting risk-related, compliance related, or business control design activities; OR 8 years' experience in a relevant quantitative field; OR Advanced degree or designation in a risk management or quantitative field, and 6 years' experience supporting risk-related, and/or compliance-related, or business control design activities; OR PhD in a risk management or quantitative field, and 4 years' 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:

• Subject matter expertise in bank consumer protection regulatory compliance, with deep proficiency in one or more bank product lines and broad generalist knowledge across all product lines.

• Demonstrated experience researching, analyzing, and testing regulatory requirements, with a focus on practical application and business impact.

• Exceptional