Compliance and Operational Risk Testing Analyst Lead

USAA•San Antonio, NC

5d•$127,310 - $243,340•Hybrid

About The Position

The Compliance & Operational Testing Analyst Lead serves as a regulatory subject matter expert supporting implementation of Continuous Monitoring within the FLOD Bank Testing Program. The role translates complex consumer protection regulations into scalable, data-driven monitoring requirements and partners with Compliance, Risk, Business, Data, Analytics, and Technology teams to develop automated monitoring and testing capabilities. The position leads and manages testing activities that assess operational risk mitigation and compliance requirements, reviews and executes work papers, performs complex qualitative analysis of testing data, and develops reports and recommendations for leaders. It may also involve developing executive briefs and presenting to internal and external stakeholders. The role builds relationships with business and internal control partners to support collaboration across all lines of defense and helps ensure business risks are identified, measured, monitored, and controlled in accordance with policies and procedures. The position requires working in the office four days per week and can be based in San Antonio or Plano, Texas; Phoenix, Arizona; Colorado Springs, Colorado; Charlotte, North Carolina; or Tampa, Florida. Relocation assistance is not available. The salary range is $127,310–$243,340, with actual pay varying by location, experience, and market data. Employees may be eligible for performance-based incentives. USAA does not provide visa sponsorship for this role.

Requirements

Bachelor's degree, or four years of relevant education and/or experience.
Significant experience in Compliance Testing, Operational Testing, Compliance Risk Management, Internal Audit, or related regulatory oversight functions within banking or financial services.
Deep knowledge of consumer protection regulations, including Regulation Z, Regulation B, Regulation E, FCRA, SCRA, UDAAP, and other applicable banking laws and regulations.
Subject matter expertise in one or more USAA Everyday Banking products: Credit Cards, Deposits, or Payments.
Strong understanding of consumer banking products at USAA, their 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 in a matrixed environment.

Nice To Haves

Certified Regulatory Compliance Manager (CRCM) certification or equivalent professional certification demonstrating advanced expertise in consumer banking regulations.
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 and ability to use data to identify compliance risks, emerging trends, and monitoring opportunities.

Responsibilities

Develop the steps needed to test and/or analyze compliance with complex policies, procedures, laws, and regulations.
Serve as a subject matter expert in a specific subject or business area and guide team members on complex issues.
Lead and manage a grouping of tests to assess operational risk mitigation and compliance requirements.
Review and execute work papers supporting conclusions of test findings.
Provide input to the leader on resource allocation for testing activities.
Perform complex qualitative analysis of testing data and develop reports and recommendations for leaders.
Potentially develop executive briefs and present to key internal and external stakeholders.
Build, develop, and maintain relationships with business and internal control partners, including Audit, Risk & Compliance, and Legal.
Facilitate collaboration among all lines of defense for testing.
Help ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.