Compliance and Operational Risk Testing Analyst Lead

About the role

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. Our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. We are proud to support active-duty military spouses; roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

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.

Responsibilities

• 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.

Requirements

• Bachelor's degree; OR 4 years of relevant education and/or experience.
• USAA does not provide visa sponsorship for this role. Candidates who will need immigration support (e.g., H-1B, TN, STEM OPT Training Plans) now or in the future should not apply.

Qualifications

• 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.
• Strong understanding of consumer banking products at USAA, associated operational processes, and applicable regulatory requirements.
• Demonstrated experience interpreting regulatory requirements and translating them into actionable business requirements, testing methodologies, and monitoring solutions.
• Experience leading complex, cross-functional initiatives.
• Strong analytical, problem-solving, organizational, and written communication skills.
• Demonstrated ability to influence stakeholders, drive alignment, and deliver results within a matrixed environment.

Skills

• Experience implementing Continuous Monitoring, Continuous Controls Monitoring, Automated Testing, Compliance Testing, or Quality Assurance programs.
• Experience leading complex cross-functional initiatives across Compliance, Risk, Business, Data, Analytics, and Technology.
• Experience developing monitoring requirements, business rules, or control testing methodologies.
• Deep knowledge of two or more banking product areas, including Credit Cards, Deposits, Payments, Consumer Lending, and Real Estate.
• Experience building monitoring frameworks or automated compliance testing capabilities from the ground up.
• Strong analytical skills with the ability to leverage data to identify compliance risks, emerging trends, and monitoring opportunities.

Pay

The salary range for this position is $127,310 – $243,340. The actual salary 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.

Benefits

USAA offers best-in-class benefits to support physical, financial, and emotional wellness, including 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. Career path planning and continuing education assistance are also provided. For more details, visit the benefits page on USAAjobs.com.

Schedule

• Flexible work environment requiring in-office presence 4 days per week.
• Position can be based in San Antonio, TX; Plano, TX; Phoenix, AZ; Colorado Springs, CO; Charlotte, NC; or Tampa, FL.
• Relocation assistance is not available for this position.