Risk Analyst Lead - Bank

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 of 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!

The Opportunity

We are seeking a dedicated Risk Analyst Lead – Bank. In this role you will join the Bank Operational Risk Management (BORM) Program Oversite and Governance Team (PrOG), leading risk management oversight for one or more activities in the BORM framework, which includes key risk identification, measurement, monitoring, control, and reporting. You will drive the understanding and management of risk across BORM and business partners through appropriate practices and processes.

Other responsibilities will include the following: taking ownership of assessing and overseeing business exposures including key and emerging risks; leading activities that monitor the risk and control environment and providing effective challenge to internal and external stakeholders to ensure that risk exposures are kept at acceptable levels; and escalating and reporting risks to the appropriate governance bodies.

You will also lead and execute complex initiatives and cross functional teams within BORM that could also include partnering with the Chief Risk Office, multiple bank businesses, and program functions across the Enterprise that drive successful problem resolution by leveraging your broad operational risk knowledge and expert knowledge of core bank business discipline(s), products, and processes.

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 or Charlotte NC.

Relocation assistance is not available for this position.

What You'll Do

Identifies, seeks, and successfully influences key stakeholders across the Bank business executive leadership to support the identification, assessment, aggregation and the overall management of risks and controls.Presents findings and recommendations to various levels of leadership and management committees and successfully communicates with and influences Bank executive leaders to adopt recommendations to improve the risk and control environment for the Bank.Creates and effectively manages strong partnerships with the Bank and other risk and control functions including Business Risk and Control, Compliance and Operational Risk Testing (ECORT) among others to drive successful results and alignment on key risks.Routinely communicates results of oversight activities including monitoring and risk assessments to governance committees’ business process owners and various levels of leadership in the bank and influences decision making.Develops processes and procedures for successful implementation of new risk policies, practices, appetites, and solutions to ensure holistic understanding and management of Bank risks according to industry best practice.Develops Bank risk tools, and methodologies to measure, monitor, and report risks based on established strategy.Applies expert knowledge and independent critical thinking to utilize or produce analytical insights for discussion with cross functional teams to understand bank business objectives and influence solution strategies.Leads, assembles, and facilitates cross-functional teams to identify, assess, aggregate, and mitigate current and emerging risk events.Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.Formulates and reviews stress test plans for bank.Evaluates results, and frames contingency plans in partnership with bank stakeholders.Crafts key communications to be delivered to bank executives and board members.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 in Risk Management, Business, Finance or related field; 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 risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area Or advanced degree/designation in Risk Management, Business, Finance, or other discipline relevant to risk management and 6 years of work experience in a discipline relevant to risk management.Advanced risk management experience in a complex institution and/or highly matrixed environment.Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management, which results in influencing business outcomes.Experience leading and directing solution-oriented work with both internal and external partners in a highly collaborative environment.Demonstrated critical thinking and proven knowledge of data analysis tools and techniques. Decision-making abilities, to include demonstrated ability to effectively make data-driven decisions.Proactively identifies potential concerns and follows-up to resolve issues.Advanced knowledge of Microsoft Office products including Excel and PowerPoint.Knowledge of federal regulation 12 CFR Part 30, including Appendices A and D and with federal supervisory guidance, to include:OCC Documents: Large Bank Supervision Handbook; OCC Safety and Soundness Handbooks - Internal Controls, Corporate & Risk Governance, Retail Lending; and key OCC bulletins - Model Risk Governance, Model Risk Management, New Products and Services Risk Management, Third Party Risk Management, Technology Risk Management, Stress Testing, and Operational Risk.Federal Reserve Documents: Consolidated Supervision Framework for Large Financial Institutions; Federal Reserve Board Bank Holding Company Supervision ManualFFIEC Manuals and Handbooks to include: Banking.General understanding of federal laws, rules, and regulations, to include: CRA; ECOA; FCRA; MLA; SCRA; Regulation DD; Regulation E; Regulation Z; BSA/AML; and UDAP/UDAAP.

What Sets You Apart

Demonstrated breadth of experience across key operational framework activities, including, but not limited to, issue management, stress testing and scenario analysis, internal and external operational loss events, risk appetite metrics and key risk indicators.Process and / or project leadership experience with a demonstrated track record of achieving milestones and process / project implementation by target dates.Independent thinker, with the ability to effectively challenge and collaborate with the business, peers, leadership, and Independent Risk Management partners via strong communication skills - including business writing to communicate assessments at an executive level.Ability to drive programmatic change within teams, the business, and program owners.Advanced Microsoft Office skills, including the ability to perform data analytics within Excel, and create PowerPoint decks that tell the story at an executive level.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 Experience 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: $138,230 - $264,200.

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 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.