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
Our first line of defense (FLOD) Bank Issue Validation (BIV) team is currently seeking a Business Risk & Control Advisor (BRCA) Senior to join our dynamic group. There are a total of three FLOD BIV Teams. Our team supports consumer lending, credit card services, deposits, and technology, data, & transformation areas. We are pivotal in ensuring risk mitigation and regulatory compliance for issue closure. While primarily focused on our designated areas, we also flexibly engage in validations across other domains to address critical/high priorities.
Each validator manages 3-4 validations concurrently, leveraging the expertise of our diverse team structure which includes a Director, three BRCA Leads, five BRCA Seniors, and two BRCA Advisor I, alongside the new position we aim to fill. This role offers an opportunity to contribute to critical risk management initiatives to reduce risk and strengthen our overall control environment.
This role will partner and collaborate with Compliance and Risk Management, as well as Business Operations, IT, Audit Services, and Regulators to support risk and compliance-based initiatives. Responsible for supporting business leader adherence to the established risk framework and ongoing supervision of business controls including risk and control self-assessments, identification and evaluation of control effectiveness, identifying control failures, facilitating risk and compliance remediation, internal and external audits and regulatory exams, and monitoring of the first line of defense to minimize risk exposures and strengthen the overall control environment. Handles risk assessment data and uses critical thinking to identify key data-driven insights tied to first line of defense.
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:
Handle 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 with team members 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 identify 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. Identify critical areas to monitor and calls out issues and findings to appropriate partners.
Develop and maintain processes, procedures and tools for managing 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.
Ensures risks associated with business activities are identified, measured, 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 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' of 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' 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:
Experience with Control Testing and/or Issue Management
Experience with Automated Control Testing (e.g. robotic process automation validation, IT solution, and controls tied to Tableau Dashboards)
Experience with Issue Validation
Experience with Remediation Advisory and/or Validation
Experience with Fair Credit Reporting Act Regulations
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.
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.
