Business Risk and Controls Advisor (Intermediate) - Bank

USAA • San Antonio, TX

18h • Hybrid

About The Position

As a dedicated Business Risk and Controls Advisor II, you ensure the bank's operational integrity and compliance. You will be responsible for executing comprehensive control tests by assessing the effectiveness of internal controls and contributing to the identification and mitigation of operational and regulatory risks. Your work will directly support key risk indicators and the bank's overall risk management framework. This position requires strong analytical, communication, and organizational skills to effectively partner with business lines, test control design and effectiveness, validate findings, and ensure timely remediation of any identified issues. Prior experience in Real Estate, Consumer Lending or Banking Operations is a plus. 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, Phoenix, AZ, and Colorado Springs, CO. Relocation assistance is not available for this position.

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.
• Minimum 2 years’ experience supporting risk-related, compliance-related or business control design activities; OR 2 years’ experience in a relevant quantitative discipline; OR Advanced degree or designation 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.
• Strong organizational skills: Ability to manage multiple controls (3-6) simultaneously and maintain order and direction.
• Effective communication and presentation skills: Capability to present information in meetings and collaborate effectively with business partners.
• Critical thinking skills: Demonstrated ability to analyze situations and make sound judgments.

Nice To Haves

• Prior experience/industry knowledge in Real Estate, Consumer Lending and Bank Operations
• Experience with control design and testing business application controls and data movement controls.
• Experience with real estate, bank operations and/or consumer lending.
• Strong critical thinking, organizational and communication skills with ability to work cross collaboratively and functionally.
• Experience with Compliance and Operational Risk activities.
• Professional designations in Compliance or Operational Risk Management (ex. CRCM, CERP).

Responsibilities

• Perform ongoing testing of established and new business controls by evaluating the design and effectiveness of each control in accordance with established procedures and/or standards.
• Perform risk data analysis, report preparation and trend analysis, utilizing business intelligence tools.
• Learn to translate control deficiencies into action plans.
• Contribute to the enhancement of governance practices in alignment with risk and compliance frameworks.
• Partner with business owners to assist them in the identification of control failures and assesses the impact.
• Participate in the remediation of control deficiencies through action plan coordination and support.
• Advise senior management on the status of their control environment related to risk identification and control weaknesses, as necessary.
• Follow documented processes to escalate issues and findings to appropriate stakeholders.
• Acquire and apply a developing knowledge of changes to the regulatory environment to ensure proper compliance with processes and requirements are followed.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees