Fraud Analyst

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. 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.

About the role

As a dedicated Fraud Strategy Analyst Lead, you will be accountable for driving USAA's overall fraud strategy, policies, and analytic capabilities for fraud rules management. This role will collaborate with key stakeholders across the enterprise, influencing outcomes in a complex, matrixed environment. This role will be an active participant in industry efforts to share and receive information, build industry partnerships and relations to formulate USAA's global fraud strategies and policies to better protect USAA from current, evolving, and future fraud threats. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site 4 days per week.

Responsibilities

• Leverages expert business, analytical and technical knowledge within Financial Crimes to lead discussions with cross-functional teams to understand and collaborate on highly complex business objectives and influence solution strategies.
• Serves as a subject matter expert in multiple areas of focus and drives conversations around technical solutions to create more effective strategies, systems, processes, or resources which benefit the business needs.
• Develops and monitors progress of strategic plans for opportunities and adjusts to rapid changes in the environment.
• Effectively communicates with Fraud Strategy teams and stakeholders and implements business strategy aligned with the company's overall goals.
• Leads discussions within a single vertical (or area of focus) that are responsible for executing the fraud strategic plan that will result in both the short and long-term growth of the business.
• Leads large-scale implementations and projects that impact managed tools.
• Leads cross-functional teams to improve, synchronize, and integrate process controls and automation.
• Monitors, understands, and adopts emerging technology that can affect the application of scientific methodologies and/or quantitative analytical approaches to problem resolutions.
• Succinctly delivers complex analysis/findings in a manner that conveys understanding, influences senior executives, garners support for recommendations, drives business decisions, and influences business strategy.
• 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 related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 8 years of experience in financial crimes supporting and participating in stakeholder consultation, needs assessment, requirement translation, and prescription of technology solutions.
• Comprehensive understanding of the end-to-end process of gathering business requirements and applying business rules to recommend technology solutions.
• Expert knowledge and demonstrated experience using fraud rules management to recommend and implement strategies that reduce or mitigate loss and fraud exposures.
• Knowledge of data analysis tools, data visualization, developing analysis queries and procedures in SQL, SAS, BI tools or other analysis software, and relevant industry data & methods and ability to connect external insights to business problems.
• Extensive knowledge of bank laws and regulations related to money movement and/or payments, including but not limited to Reg E, Reg CC, UDAAP, FACTA, and Reg Z.
• Strong written and verbal communication skills, with demonstrated ability to synthesize data and clearly report findings.

Skills

• At least 10 years of Data Analytics experience leveraging Snowflake SQL and/or SAS in the financial services industry.
• At least 2 years of AI/ML experience using Python for exploratory data analytics.
• Experience with managing data for customer-facing identity proofing and authentication tools and products.
• Data Mining experience for complex analytics and partnering with Technology teams to perform Data Mapping.
• Excellent communication and interpersonal skills, with a demonstrated willingness to actively participate in discussions, ask clarifying questions, and present analytical findings to both technical and non-technical audiences.
• Preferred experience with Member Authentication and Join Process in addition to Identity Proofing.
• US military experience through military service or as a military spouse/domestic partner.

Pay

The salary range for this position is $143,320 - $273,930. USAA does not provide visa sponsorship for this role.

Benefits

• Comprehensive medical, dental, and vision plans.
• 401(k) and pension plans.
• Life insurance.
• Parental benefits and adoption assistance.
• Paid time off program with paid holidays plus 16 paid volunteer hours.
• Various wellness programs.
• Career path planning and continuing education to assist employees with their professional goals.