Risk and Compliance Advisor Senior - Internal and External Fraud Risk

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.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity The Risk & Compliance Advisor Senior provides independent second-line oversight and effective challenge of fraud risk management activities, with a primary focus on Internal Fraud rules and governance. Responsibilities include assessing fraud rules and change management processes, conducting risk assessments and monitoring activities, evaluating rule performance and fraud trends, and providing risk-based challenge to ensure fraud risks are effectively managed.

This role partners across fraud, technology, compliance, and risk functions and may support Authentication, Identity Verification, First-Party Fraud, and Third-Party Fraud rule oversight. The ideal candidate brings fraud expertise, strong analytical skills, and the ability to clearly communicate findings and recommendations to senior management and governance stakeholders.

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, or Tampa, FL.Relocation assistance is not available for this position.

What you'll do:

Partners and provides guidance to key stakeholders in the business to identify, assess, aggregate and document risks and compliance controls, including risks associated with new or modified products, services, distribution channels, regulations, and third-party operations.

Communicates results of risk and compliance work to governance committees, business process owners and various levels of leadership.

Implements new risk policies, practices, appetites, and solutions to ensure holistic understanding and management of risks according to industry best practice.

Executes assigned risk and compliance activities assigned in accordance with enterprise policies and procedures.

Maintains and expands advanced knowledge of the competitive/regulatory landscape and the company's key challenges.

Coordinates and responds to regulatory requirements and requests and ensures the execution of examinations.

Enhances and contributes to strategies, tools, and methodologies to measure, monitor, and report risks.

Applies expert risk and compliance knowledge to utilize or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.

Serves as a key contributor in cross-functional teams to identify, assess, aggregate, and mitigate current and emerging risk events.

Formulates stress test plans for a line of business or the enterprise including the evaluation of results and framing of contingency plans in partnership with key business stakeholders.

What you have:

Bachelor's degree; OR 4 years of relevant education and/or experience.
8 or more years relevant experience in risk, compliance, legal or audit within the financial services or insurance industry or specialized technical fields directly related to the role.
6 years relevant experience in risk, compliance, legal or audit within the financial services or insurance industry or specialized technical fields…