Fraud Intelligence Analyst Senior (Collection & Dissemination)

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

The Fraud Intelligence Analyst, Senior is a member of the Fraud Intelligence Team within the Bank Fraud Prevention organization. This role reports directly to the Director, Fraud Intelligence. The team is responsible for the intake, triage, and enrichment of fraud intelligence from various sources, managing key vendor relationships, and driving the full lifecycle of intelligence cases to protect USAA and its members from fraud. We demonstrate all-source intelligence and internal data to identify fraud risks targeting USAA’s members, partnering with internal teams, peer financial institutions, law enforcement, and more to mitigate these risks.

Key Responsibilities:

• Intelligence Triage & Casing: Triage, prioritize, and case all-source fraud intelligence (both internal and external) based on severity, impact, and relevance to USAA. Partner with Intelligence Analysis team to enrich cases with internal data and open-source research.
• Vendor Relationship Management: Manage relationships with key intelligence vendors, including regular performance reviews, contract compliance, and identifying opportunities for improved service and value.
• Intelligence Collection & Gap Analysis: Proactively identify gaps in USAA's intelligence coverage and collection capabilities. Research and evaluate new intelligence sources, tools, and vendors to enhance the team's ability to detect and prevent fraud.
• Case Lifecycle Management: Manage the end-to-end lifecycle of intelligence cases, from initial intake and analysis to dissemination of actionable intelligence and tracking of mitigation efforts.
• Complete analyses using a combination of internal tools, systems, data, and engagements of internal stakeholders and external intelligence sources (e.g. suppliers, peer financial institutions, information-sharing groups).
• Develop partnerships with Bank teams and Enterprise functions to collect and disseminate intelligence.
• Collaborate with the External Engagement Lead to collect/share fraud threat intelligence from/with peer financial institutions and information-sharing groups like the NCFTA.
• Author and optimize processes for the analysis and treatment of fraud threat intelligence.
• Grow the team’s network of internal and external contacts to support intelligence sharing and fraud risk mitigation.

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.

What you'll do:

• Guides and facilitates cross-functional team members in the implementation, management and oversight of fraud risk management workstreams, projects and solutions.
• Applies subject matter expertise of fraud risk management requirements, policies, laws, and regulations to influence business strategies and solutions and advise the business on how to strengthen and manage fraud risk requirements on business action plans, projects, or operational requests.
• Contributes to the execution of risk assessments with business partners and the lines of business to determine impact and solutions.
• Identifies operational inefficiencies and emerging fraud management risks, compliance, and control issues in the operating environment, concurrent with implementing action plans to mitigate business impact.
• Provides mentorship to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure accurate execution of conduct examinations.
• Manages and responds to regulatory requirements and requests and ensures the execution of conduct examinations.
• Periodically briefs executive management on enterprise projects and initiatives that may impact fraud risk.
• Serves as a mentor to peers and team members for assigned area of responsibility.
• Develops and implements training plans tied to fraud risk management through understanding of regulatory and industry trends.
• Ensures risks associated with business activities are effectively identified, measured, supervised, 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.
• 6 years of combined relevant experience in financial services, fraud, cyber/fraud threat intelligence, intelligence analysis, digital crime, and/or AML.
• 4 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes, or policies.
• Proven knowledge of relevant laws, regulatory, compliance, industry regulations and regulatory data sources.
• Demonstrated analytical, organizational, and problem-solving abilities requiring a high attention to detail to identify fraud risks and trends.
• Strong communication skills with the ability to collaborate and execute among cross-functional teams, including all levels of the organization and with external regulatory agencies.
• Knowledge of federal laws, rules, and regulations, to include: PCI, REG CC, REG E, UCC, FCRA, BSA/AML, Elder Financial Exploitation guidance, OCC Fraud Risk Management 2019-37.

What sets you apart:

• US military experience through military service or a military spouse/domestic partner
• · Advanced knowledge of the financial services industry, fraud threat landscape, fraud prevention concepts, anti-money laundering, and/or cybersecurity concepts.
• Experience managing vendor relationships, including contract negotiation and performance monitoring.
• Knowledge of banking products and services offered by the Bank including checking/savings accounts, credit cards, mortgages, auto loans, etc.
• Knowledge of common bank fraud typologies and TTPs (e.g., ATO, social engineering, phishing, ID theft, etc.) and tools used in the detection and analysis of cyber-enabled fraud.
• Familiarity with information-handling guidelines (e.g. TLP) and experience handling information that includes PII, PCI, and other sensitive data.
• Working knowledge of Snowflake, SQL, SAS, and other RDBMS tools for the purposes of querying and analyzing data.
• Previous experience with information-sharing groups such as the NCFTA, FS-ISAC, and/or ISMG to obtain and analyze intelligence for the purpose of fraud risk mitigation.
• Strong knowledge of MS Office including Excel, Word, PowerPoint, and Visio.
• Advanced licenses and certifications such as CFE, CAMS, CISSP are preferred, but not required.

Compensation range: The salary range for this position is: $93,770 - $168,790.

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.