RCA Professional

Position: RCA Professional 7
At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description The RCA Professional 7 serves as a Risk & Compliance advisor to the Prepaid business line. The role provides dedicated first-line risk support across the full lifecycle of prepaid products, digital capabilities, strategic initiatives, regulatory changes, operational enhancements, and issue remediation. The advisor works directly with Product, Sales, Client Onboarding, Digital, Technology, Operations, Legal, Financial Crimes Compliance, Fraud Strategy, Compliance, and governance teams to identify requirements early, translate risk expectations into practical actions, and keep work moving through implementation and post-implementation closure.

This is not a traditional end-stage compliance review role. The successful candidate becomes embedded in the work, develops a detailed understanding of the product and operating model, asks the questions that uncover downstream impacts, brings the right specialists together, and helps the business reach a compliant and sustainable solution. The position requires sound judgment, curiosity, persistence, and the ability to organize and influence work across a large matrixed organization.

Position Highlights Prepaid advisory partnership:
Serve as a primary Risk & Compliance advisor for U.S. Bank-issued and program-managed prepaid products, including payroll, government disbursement, general purpose reloadable, incentive, rewards, single-load, digital card, and related money movement capabilities

Early engagement and change governance:
Engage during opportunity assessment, product planning, change control, BCIQ, and PRISM intake to clarify scope, identify impacted products and stakeholders, determine the appropriate review path, and prevent avoidable late-stage delays

Risk assessment and practical guidance:
Analyze complex or ambiguous product, operational, regulatory, technology, fraud, and third-party risks

Translate requirements into clear options, guardrails, controls, procedures, disclosures, testing, or escalation paths that the business can implement

Project and initiative leadership:
Independently support a portfolio of concurrent initiatives from early design through implementation and post-implementation closure. Maintain status, dependencies, decisions, risks, evidence requirements, and next stepsPRISM and risk mitigation management:
Review and strengthen BCIQ and PRISM submissions, coordinate subject-matter expert reviews, develop or challenge risk mitigation plans, track evidence, resolve documentation gaps, and drive timely closure of pre- and post-implementation requirements

Regulatory change management:
Assess new or changing laws, regulations, regulatory guidance, and industry requirements for Prepaid applicability. Coordinate impact assessments, business responses, implementation plans, stakeholder alignment, and retained documentation

Controls and risk assessments:
Support ECRA and RCSA activities, process questionnaires, risk and control matrices, control self-assessments, credible challenge responses, control design improvements, and testing or monitoring expectations

Issues, audits, and examinations:
Support issue identification and intake, root-cause and impact analysis, corrective…