Compliance and Operational Risk Testing Analyst Lead

USAA•Tampa, FL

3d•$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 across Compliance, Risk, Business, Data, Analytics, and Technology to develop automated monitoring and testing capabilities. The position requires expertise in continuous monitoring, automated or compliance testing, and developing monitoring requirements, business rules, or control testing methodologies. The role supports multiple banking products and uses data to identify compliance risks, emerging trends, and monitoring opportunities. It is based in one of the listed US locations and requires working in the office four days per week. Relocation assistance is not available.

Requirements

Bachelor's degree, or four years of relevant education and/or experience.
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, including Credit Cards, Deposits, and Payments.
Significant experience in Compliance Testing, Operational Testing, Compliance Risk Management, Internal Audit, or related regulatory oversight functions within banking or financial services.
Strong understanding of USAA consumer banking products, associated operational processes, and applicable regulatory requirements.
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.
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 assessing 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.
Develop executive briefs and present them to key internal and external stakeholders, as needed.
Build, develop, and maintain relationships with the business and internal control partners, including Audit, Risk & Compliance, and Legal, to facilitate collaboration across all lines of defense for testing.
Ensure business activity risks are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.