Lead Compliance and Risk Controls Strategist (CHARLOTTE)

Why USAA?

Making sure you fit the guidelines as an applicant for this role is essential, please read the below carefully. 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.

The Opportunity

We're looking for a proactive individual to champion risk awareness and boost the effectiveness of our risk and compliance programs. You'll team up with various departments, including Compliance, Risk Management, Operations, IT, and even Regulators, to support important risk and compliance projects. You'll play a key role in ensuring our leaders follow the risk framework, oversee business controls, evaluate how well those controls are working, identify any weak spots, and help fix them. You'll also be involved in audits and regulatory exams and monitor our first line of defense to keep our risks low and our controls strong. If you're a critical thinker who can analyze data to find key insights and strengthen our defenses, we want you!

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, Chesapeake, VA or Tampa, FL.

Relocation assistance is not available for this position.

What you'll do :

Direct and oversee multiple initiatives in support of risk and / or regulatory compliance related initiatives including but not limited to oversight of procedures / process, accurate regulatory reporting and filing, document governance, Risk Control Self-Assessments, procedure governance, control design, new product controls, Company or Staff Agencies Third Party Governance, or quality governance.

Apply an integrated understanding of risk and regulatory compliance to include business strategies and solutions.

Responsible for data analysis, report preparation and trend analysis, using business intelligence tools.

Design solutions for unanswered business questions and anticipates future business needs.

Direct, organize and oversee action plans designed to enhance governance practices in alignment with frameworks.

Influence and develop innovative solutions to mitigate risk and prevent risk exposures which result in significant business impacts.

Lead the most complex projects involving cross-functional areas.

Define and outline new approaches to problem resolution and leads project team from concept through implementation.

Counsel senior management on the status of their control environment related to risk identification and control weaknesses.

Identify critical areas to monitor and raises issues and findings to appropriate partners.

Serve as a primary resource to cross functional team members and advises on risk mitigation opportunities.

Stay informed of changes to the regulatory environment to ensure proper compliance with processes and requirements are followed.

Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with policies and procedures.

What you have :

Bachelors degree : OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

Minimum 8 years' experience supporting risk-related, compliance related, or business control design activities; OR 8 years' experience in a relevant quantitative field; OR Advanced degree or designation in a risk management or quantitative field, and 6 years' experience supporting risk-related, and / or compliance-related, or business control design activities; OR PhD in a risk management or quantitative field, and 4 years' experience supporting risk-related, and / or compliance-related, or business control design activities.

Knowledge of federal laws, rules, regulations, and applicable guidance to area supported for example : OCC Heightened Standards, BSA / AML, REG E, UDAAP / UDAP, TILA / REG Z, SCRA, FCRA, MLA.

What sets you apart :

Subject matter expertise in bank consumer protection regulatory compliance, with deep proficiency in one or more bank product lines and broad generalist knowledge across all product lines.

Demonstrated experience researching, analyzing, and testing regulatory requirements, with a focus on practical application and business impact.

Exceptional critical thinking skills, intellectual curiosity, strong attention to detail, and effective organizational capabilities.

Proven ability to lead complex testing engagements from initial planning through execution and final delivery, ensuring thoroughness and accuracy.

Strong relationship-building and influencing skills, with a track record of collaborating effectively with business partners to drive meaningful change. Excellent written and verbal communication.

Comprehensive understanding of Process, Risk, and Control Inventories (PRCI) and Risk & Control Self-Assessments (RCSA), including the ability to credibly challenge risk / control linkages and identify coverage gaps.

Certified Regulatory Compliance Manager (CRCM) or Juris Doctor (JD) strongly preferred.

US military experience through military service or a military spouse / domestic partner.

Compensation range : The salary range for this position is : $127,310.00 - $243,340.00.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation : USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits : At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.