RCA Professional

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 Partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. Responsible for assessing business, technology, and process changes to identify and mitigate risks related to Know Your Customer (KYC), operational processes, and potential customer harm. This role executes risk-based pre-implementation testing and validation activities to ensure new products, system enhancements, and process changes function as intended and comply with applicable policies and risk standards.

The position partners closely with Product, Technology, Operations, Compliance, Financial Crimes Compliance (FCC), and Risk Management teams to validate customer outcomes, identify defects, assess downstream impacts, and provide credible challenge throughout the development and implementation lifecycle. The role focuses on ensuring customer-facing and KYC-related changes are implemented correctly before release and that identified issues are appropriately escalated and remediated.

• Execute independent pre-implementation testing and post-implementation validation activities for system enhancements, new products, and regulatory changes
• Develop and perform risk-based test scenarios focused on customer outcomes, KYC requirements, data integrity, and regulatory compliance
• Review business requirements, user stories, process flows, and technical documentation to identify testing needs and potential risks
• Validate end to end, customer-facing, and banker-facing functionality to ensure alignment with business requirements and policy expectations
• Document testing results and clearly communicate observations, risks, and defects to partners and leadership.
• Track issues through resolution and verify corrective actions.
• Escalate identified risks, control weaknesses, and material testing concerns when appropriate.

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically more than three years of applicable experience

Preferred Skills/Experience Intermediate knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business Intermediate understanding of the business line’s operations, products/services, systems, and associated risks/controls Basic knowledge of Risk/Compliance/Audit competencies Experience performing UAT, pre-production testing, post-production validation, or control testing Strong analytical, process facilitation and project management skills Must possess business acumen and credibility to help business line(s) proactively identify and correct potentials risks from unclear or incomplete requirements Effective presentation, interpersonal, written and verbal communication skills Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations.

• Intermediate knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
• Intermediate understanding of the business line’s operations, products/services, systems, and associated risks/controls
• Thorough knowledge of Risk/Compliance/Audit competencies
• Strong analytical, process facilitation and project management skills
• Effective presentation, interpersonal, written and verbal communication skills
• Proficient computer navigation…