Financial Risk and Compliance Consultant (PLANO)

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.

The Opportunity

As a dedicated Business Risk and Controls Advisor (Mid-Level) for the Bank, you will be positioned in the first line of defense to ensure the overall effectiveness of risk and compliance management programs, risk analytics and operations in the business. This role will partner and collaborate with Compliance and Risk Management, as well as Business Operations, IT, Audit Services, and Regulators to support risk and compliance-based initiatives. You will be responsible for supporting business leader adherence to the established risk framework and ongoing supervision of business controls including risk and control self-assessments, identification and evaluation of control effectiveness, identifying control failures, facilitating risk and compliance remediation, internal and external audits and regulatory exams, and monitoring of the first line of defense to minimize risk exposures and strengthen the overall control environment. You will manage risk assessment data and use critical thinking to identify key data-driven insights tied to first line of defense.

Any additional information you require for this job can be found in the below text Make sure to read thoroughly, then apply.

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 : Charlotte, NC, Chesapeake, VA, Colorado Springs, CO, Phoenix, AZ, Plano, TX, San Antonio, TX and Tampa, FL.

Relocation assistance is not available for this position.

What you'll do :

Advise the business on how to strengthen and manage their control environment pertaining to oversight of procedures / process, accurate regulatory reporting and filing, document governance, Risk control self-assessments, procedure governance, control design, new product controls, CoSA Third Party Governance, or quality governance.

Perform ongoing supervision and oversight of business controls which may include the coordination of testing, root cause analysis, control design, and examining key Risk metrics to evaluate the effectiveness of established business controls.

Perform Risk data analysis, report preparation and trend analysis, utilizing business intelligence tools.

Partner with business owners to assist them in the identification of control failures and assesses the impact.

Assist with translating control deficiencies into action plans and facilitates effective and timely Risk remediation through action plan oversight; provide recommendations to enhance governance practices in alignment with Risk and compliance frameworks.

Maintain processes, procedures, and tools for managing exception alerts as they occur, including monitoring of resulting exception cases.

Provide control oversight to ensure compliance with laws and regulations.

Serve as a resource to team members.

Ensure 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 related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

4 years of experience supporting risk-related, compliance-related, or business control design activities; OR 4 years of experience in a relevant quantitative discipline; OR Advanced degree or designation in a risk management or quantitative discipline, and 2 years of experience supporting risk-related, and / or compliance-related, or business control design activities; OR PhD in a risk management or quantitative discipline.

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 :

Highly proficient in bank consumer protection regulatory compliance, specifically within the Credit Card, Consumer Lending, and / or Real Estate lines of business.

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

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

Effective relationship-building and influencing skills, with a track record of collaborating effectively with business partners to drive meaningful change.

Strong written and verbal communication.

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

Compensation range : The salary range for this position is : $77,120 - $147,390.

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.