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 II, you ensure the bank's operational integrity and compliance. You will be responsible for executing comprehensive control tests by assessing the effectiveness of internal controls and contributing to the identification and mitigation of operational and regulatory risks. Your work will directly support key risk indicators and the bank's overall risk management framework. This position requires strong analytical, communication, and organizational skills to effectively partner with business lines, test control design and effectiveness, validate findings, and ensure timely remediation of any identified issues. Prior experience in Real Estate, Consumer Lending or Banking Operations is a plus.
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, Phoenix, AZ, and Colorado Springs, CO.
Relocation assistance is not available for this position.
What you'll do:
Perform ongoing testing of established and new business controls by evaluating the design and effectiveness of each control in accordance with established procedures and/or standards. .
Perform risk data analysis, report preparation and trend analysis, utilizing business intelligence tools.
Learn to translate control deficiencies into action plans. Contribute to the enhancement of governance practices in alignment with risk and compliance frameworks.
Partner with business owners to assist them in the identification of control failures and assesses the impact.
Participate in the remediation of control deficiencies through action plan coordination and support.
Advise senior management on the status of their control environment related to risk identification and control weaknesses, as necessary.
Follow documented processes to escalate issues and findings to appropriate stakeholders.
Acquire and apply a developing knowledge 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 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 2 years’ experience supporting risk-related, compliance-related or business control design activities; OR 2 years’ experience in a relevant quantitative discipline; OR Advanced degree or designation in a risk management or quantitative discipline.
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:
Strong organizational skills: Ability to manage multiple controls (3-6) simultaneously and maintain order and direction.
Effective communication and presentation skills: Capability to present information in meetings and collaborate effectively with business partners.
Critical thinking skills: Demonstrated ability to analyze situations and make sound judgments.
Prior experience/industry knowledge in Real Estate, Consumer Lending and Bank Operations
Experience with control design and testing business application controls and data movement controls.
Experience with real estate, bank operations and/or consumer lending.
Strong critical thinking, organizational and communication skills with ability to work cross collaboratively and functionally.
Experience with Compliance and Operational Risk activities.
Professional designations in Compliance or Operational Risk Management (ex. CRCM, CERP).
Compensation range: The salary range for this position is: $63,590.00 - $121,530.00.
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.
