MIAM Authentication Senior

USAA•San Antonio, TX

1d•$93,770 - $179,240•Hybrid

About The Position

The MIAM Authentication Senior is a critical role within USAA's Member Protection organization, responsible for supporting the future of secure, seamless member access across all USAA channels, serving millions of members. This position champions member access management and the authentication strategy, balancing robust security and fraud risk mitigation with an exceptional member experience. This candidate will partner closely with technology, architecture, experience, and risk teams to deliver cutting-edge authentication capabilities while maintaining strong control over security outcomes and meeting stringent regulatory requirements. Support the MIAM business in performing risk assessments, analyzing and updating policies, frameworks, standards and processes as a first line of defense function. Serves as a fraud risk management executor to ensure documents, projects, programs, processes, and product initiatives comply with regulatory, legal requirements, and fraud policies and standards. Partners and collaborates with the lines of business, Compliance and Risk Management, Audit Services, Legal, and Regulators to support enterprise fraud management-based initiatives. Writes detailed requirements and puts together necessary documents to articulate how the tools and systems need to function based on business direction and objectives.

Requirements

Bachelor's degree; OR 4 years of relevant education and/or experience.
6 years of operations experience in a relevant functional area to include financial services, Fraud, AML, compliance, risk, audit, third party risk management or other related operational areas that support fraud risk management initiatives within the business.
4 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes, or policies.
Proven knowledge of relevant laws, regulatory, compliance, industry regulations and regulatory data sources.
Demonstrated analytical, organizational, and problem-solving abilities requiring a high attention to detail to identify fraud risks and trends.
Strong communication skills with the ability to collaborate and execute among cross-functional teams, including all levels of the organization and with external regulatory agencies.

Nice To Haves

Experience translating complex business needs into clear, precise, and actionable requirements for technical development and analytical teams.
Collaborated with engineering, design, security, and risk teams to deliver secure and user-friendly authentication capabilities.
Supported the product lifecycle for authentication solutions, from ideation through launch and iteration.
Demonstrated proactivity and drive, consistently exceeding expectations by seeking learning opportunities and making an impact without direct assignment.
Experience in a Product Management, Business Analyst, or related role, with involvement in authentication or key aspects of identity and access management (IAM)
Knowledge of industry best practices, emerging trends, and regulatory considerations in authentication and identity management.

Responsibilities

Guides and facilitates cross-functional team members in the implementation, management and oversight of fraud risk management workstreams, projects and solutions.
Utilizes subject matter expertise of fraud risk management requirements, policies, laws, and regulations to influence business strategies and solutions and advise the business on how to strengthen and manage fraud risk requirements on business action plans, projects, or operational requests.
Contributes to the execution of risk assessments with business partners and the lines of business to determine impact and solutions.
Identifies operational inefficiencies and emerging fraud management risks, compliance, and control issues in the operating environment, concurrent with implementing action plans to mitigate business impact.
Provides guidance to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure proper execution of conduct examinations.
Manages and responds to regulatory requirements and requests and ensures the execution of conduct examinations.
Periodically briefs executive management on enterprise projects and initiatives that may impact fraud risak.
Serves as a mentor to peers and team members for assigned area of responsibility.
Develops and executes training plans tied to fraud risk management through understanding of regulatory and industry trends.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.