Director, Fraud Strategy - Alloy Authentication

USAA•San Antonio, NC

7d•$164,780 - $314,960•Remote

About The Position

USAA is seeking a Director of Fraud Strategy for Authentication and Member Identity and Access Management (MIAM). The role leads authentication data strategy and Alloy MIAM defense initiatives, developing authentication analytics, strategies, and rules and directing the end-to-end migration from legacy systems to the Alloy platform. The Director oversees the project lifecycle, including user acceptance testing (UAT) and strategy implementation, and ensures data is passed to Actimize for downstream rule development and integrated into the Snowflake silver layer. The role leads a team focused on a defined area within Financial Crimes and is responsible for executing strategic plans, managing risks, and adapting fraud strategies to business needs and emerging threats. The position is remote eligible in the continental United States, with occasional business travel. Employees residing within 60 miles of a USAA office are expected to work on-site four days per week. Relocation assistance is not available. USAA does not provide visa sponsorship for this role.

Requirements

Bachelor's degree, or four years of relevant education and/or experience.
Eight years of experience in financial crimes, including stakeholder consultation, needs assessment, translating requirements, and prescribing technology solutions.
Three years of direct team lead or management experience.
Expertise developing and implementing policies, processes, and procedures for fraud initiatives that support fraud strategy and analytical capabilities.
Comprehensive understanding of gathering business requirements and applying business rules to recommend technology solutions.
Knowledge of data analysis and visualization tools, and experience developing SQL or SAS analysis queries and procedures, using BI tools or other analysis software, and applying relevant industry data and methods.
Extensive knowledge of banking laws and regulations related to money movement and/or payments, including Reg E, Reg CC, UDAAP, FACTA, and Reg Z.
Strong written and verbal communication skills.
Extensive experience collaborating with stakeholders, influencing decisions, and managing work to achieve strategic goals.
The role requires deep technical expertise in SAS, SQL, and Actimize, as described in the position overview.

Nice To Haves

Proven experience leading end-to-end migrations of legacy authentication systems to Alloy, including UAT and rule strategy development.
Deep SQL and SAS proficiency for complex data analysis, with experience designing analytics architectures and data pipelines into cloud environments such as the Snowflake silver layer.
Success developing and implementing account takeover (ATO) mitigation strategies and authentication rules; hands-on experience integrating data flows into Actimize is preferred.
Ability to connect authentication data, strategy development, and downstream platform execution from Alloy to Actimize while ensuring data integrity and effective rule performance.

Responsibilities

Develop and implement policies, processes, and procedures for fraud initiatives aligned with the company's strategy, objectives, and risk appetite.
Lead a team within a defined vertical or focus area to execute the fraud strategic plan and support short- and long-term business growth.
Develop and monitor strategic plans, identify opportunities, and adjust plans in response to changing conditions.
Collaborate with team members and analytical leaders in Financial Crimes to develop actionable strategic plans for the leader and direct reports.
Monitor industry trends and emerging fraud risks and adapt strategy accordingly.
Communicate and implement business strategy in alignment with company goals.
Anticipate fraud trends and opportunities, develop solutions, and make operational recommendations and decisions.
Work within fraud case management and detection systems to ensure effective alert generation.
Recruit, develop, retain, coach, support, and manage the performance of employees in the assigned functional area.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Build authentication analytics and develop fraud strategies and rules for Alloy MIAM defense initiatives.
Lead the end-to-end migration from legacy authentication systems to Alloy, including UAT and strategy implementation.
Ensure data passes to Actimize for downstream rule development and analytics integration within the Snowflake silver layer.