Compliance and Operational Risk Testing Analyst Lead

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 Compliance & Operational Testing Analyst Lead serves as a regulatory subject matter expert supporting the implementation of Continuous Monitoring within the FLOD Bank Testing Program. This role translates complex consumer protection regulations into scalable, data-driven monitoring requirements and partners across Compliance, Risk, Business, Data, Analytics, and Technology to develop automated monitoring and testing capabilities.

The ideal candidate brings experience with continuous monitoring, automated or compliance testing, and developing monitoring requirements, business rules, or control testing methodologies. Strong candidates will have expertise across multiple banking products, such as Credit Cards, Deposits, Payments, Consumer Lending, or Real Estate, along with experience building monitoring frameworks from the ground up and using data to identify compliance risks, emerging trends, and monitoring opportunities.

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:

Develops the steps needed to test and/or analyze compliance with complex policies/procedures and laws/regulations.

Serves as a subject matter expert in a specific subject/business area and provides guidance to team members on complex issues.

Leads and manages a grouping of tests to assess operational risk mitigation and compliance requirements.

Reviews and executes work papers to support conclusions of test findings.

Provides input to leader on allocation of resources to complete testing activities.

Performs complex qualitative analysis of testing data and develops reports and recommendations for leaders.

May develop executive briefs and present to key internal and external stakeholders.

Builds, develops, and maintains relationships with the business and internal control partners (Audit, Risk & Compliance, Legal) to facilitate collaboration between all lines of defense for testing.

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 relevant education and/or experience.

Experiences that will support your success:

Certified Regulatory Compliance Manager (CRCM) certification or equivalent professional certification demonstrating advanced expertise in consumer banking regulations.

Deep knowledge of consumer protection regulations, including Regulation Z, Regulation B, Regulation E, FCRA, SCRA, UDAAP, and other applicable banking laws and regulations. SME knowledge in one or more of USAA’s Everyday Banking products (Credit Cards, Deposits & Payments)
Significant experience in Compliance Testing, Operational Testing, Compliance Risk Management, Internal Audit, or related regulatory oversight functions within the banking or financial services industry.…