Fraud Prevention Policy, Senior

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Job description

Why USAA? Let's do something that really matters.
At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all our employees served in our nation's military, but we all share in the mission to give back to those who did. We're working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty, and service. They're what guides everything we do - from how we treat our members to how we treat each other. Come be a part of what makes us so special!

This position can work remotely in the continental U.S. with occasional business travel.

The Opportunity

As a dedicated Fraud Prevention Policy Senior, you will be working with the Fraud Prevention Team in USAA's Bank Fraud Operations Group. They will work with key internal and external collaborators, aligning fraud and business needs to facilitate a balanced performance engagement for fraud loss management and outstanding member service.

What you'll do:

• Guides and facilitates cross-functional team members in the implementation, management, and oversight of fraud risk management workstreams, projects and solutions.

• Applies subject matter expertise of fraud risk management requirements, policies, laws, and regulations to influence business strategies and solutions and advise the business on how to strengthen and lead fraud risk requirements on business action plans, projects, or operational requests.

• Contributes to the execution of risk assessments with business partners and the lines of business to resolve impact and solutions.

• 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 guidance to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure proper execution of conduct examinations.

• Manages and responds to regulatory requirements and requests and ensures the execution of conduct examinations.

• Periodically briefs executive management on enterprise projects and initiatives that may impact fraud risk.

• Serves as a mentor to peers and team members for assigned area of responsibility.

• Develops and implements training plans tied to fraud risk management through understanding of 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 related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

• 6 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.

• 4 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes, or policies.

• Proven 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.

• 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:

• Strong knowledge in one or more product Policy areas including: Identity Theft controls and monitoring, ACH/Zelle network rules and performance monitoring, Check fraud management, Credit Card and Debit Card Payment card rules, performance, transaction monitoring, Card dispute management and performance, Internal Fraud, etc.

• Implements data-driven methodologies across multiple channels, including emerging technology and mobility, to optimize end user experiences to drive KPI/KRIs.

• Develops best-in-class practices, tools, and processes to collect data, member feedback, derive insights, and inform product decisions.

• Collaborates with and influences Digital or Technology product managers, developers, vendors, designers, and other stakeholders to ensure successful product strategies and product/ feature launches.

• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

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

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.

What we offer:

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. The salary range for this position is: $89,990-$172,000

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: 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, please visit our benefits page on

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.

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