Lead Fraud Governance Advisor

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 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

As a dedicated Lead Fraud Governance Advisor, you will establish, execute, and govern fraud management activities to include risk assessments, policies, frameworks, standards, processes and tools as a first line of defense function. Serves as a fraud risk management subject matter expert to ensure documents, projects, programs, processes, and product initiatives comply with regulatory, legal requirements, and fraud policies and standards.

Partners and collaborates with the lines of business, Compliance and Risk Management, Audit Services, Legal, and Regulators to support enterprise fraud management-based initiatives for the Staff Agency or Line of Business (LOB) supported.

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:

• Leads cross-functional team members in strategic development, implementation and execution of highly complex or unique fraud risk management work streams, projects and solutions.
• Provides thought leadership and subject matter expertise to guide the strategic direction of fraud risk requirements on business action plans, projects or operational requests based on regulatory guidance.
• Applies a holistic understanding of fraud risk management requirements, policies, laws, and regulations to business strategies, programs and solutions. Anticipates how the organization must adapt to changes in the industry to sustain competitive advantage.
• Oversees the execution of risk assessments with business partners and the lines of business to include root cause analysis to determine impact and solutions.
• Anticipates and 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 technical guidance of a complex or unique nature to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure proper execution of conduct examinations. May oversee regulatory requirements and requests and/or conduct examinations.
• Serves as a primary resource to d team members and to cross-functional teams in support of fraud-based initiatives.
• Regularly briefs executive management on enterprise projects and initiatives that may impact fraud risk.
• Anticipates future training needs tied to fraud risk management through understanding 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 relevant education and/or experience.
• 8 years of operations experience in a relevant functional area to include financial services, Fraud, AML, compliance, risk, audit, third party risk management or other related operational areas that support fraud risk management initiatives within the business.
• 6 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes or policies.
• Expert 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.
• Proven ability to lead and influence others in a cross-functional environment.
• 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 in Business Controls or Issues Management through management/oversight of a business portfolio or testing/auditing.
• Over 3 years of experience with direct people leadership.
• Demonstrated experience in process policy ownership, including development, implementation and continuous improvement of policies and procedures.
• Ability to…