Fraud Intelligence Analyst Senior

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, reporting directly to the Director, Fraud Intelligence. This role focuses on leveraging fraud knowledge to conduct data-driven analyses, with an emphasis on identifying fraud risks based on inbound intelligence. They will partner with members of the Intelligence Collection & Dissemination team to complete cases and mitigate identified risks. The analyst is also responsible for conducting in-depth analyses, contributing to the development of data resources, and enhancing the team's overall intelligence capabilities.

Key Responsibilities:

• Data Extraction & Analysis: Extract and analyze various types of relevant data including applications, transactions, non-monetary events, and digital logs to support team case reviews.
• Pattern Identification: Investigate available data sources to identify patterns, anomalies, and other indicators of fraud.
• Data Source Development: Partner with internal stakeholders to identify new and updated sources of data based on the team’s needs.
• Query Development & Maintenance: Develop and maintain queries for use by the broader team, ensuring high-quality outputs free from missing values, formatting issues, etc.
• 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).
• Author and optimize processes for the analysis and treatment of fraud threat intelligence.
• Identify new tools, suppliers, and data sources to improve analysis capabilities.
• Grow the team’s network of internal and external contacts to support intelligence sharing and fraud risk mitigation.

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:

• Guides and facilitates cross-functional team members in the implementation, management and oversight of fraud risk management workstreams, projects and solutions.
• Utilizes 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 guidance to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure proper 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 executes training plans tied to fraud risk management through understanding of regulatory and industry trends.
• Ensures 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.
• 6 years of combined relevant experience in financial services, fraud, cyber/fraud threat intelligence, intelligence analysis, digital crime, data analysis 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:

• Experience using Snowflake, SQL, SAS, and other RDBMS tools to query and analyze data.
• Experience with data visualization tools (e.g., Tableau, Power BI) to create compelling and informative dashboards and reports.
• 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.
• 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.
• 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.
• US military experience through military service or a military spouse/domestic partner

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.