Risk and Compliance Advisor Senior - Internal and External Fraud Risk

USAA•Tampa, FL

1d•$114,080 - $218,030•Hybrid

About The Position

The Risk & Compliance Advisor Senior provides independent second-line oversight and effective challenge of fraud risk management activities, with a primary focus on Internal Fraud rules and governance. Responsibilities include assessing fraud rules and change management processes, conducting risk assessments and monitoring activities, evaluating rule performance and fraud trends, and providing risk-based challenge to ensure fraud risks are effectively managed. This role partners across fraud, technology, compliance, and risk functions and may support Authentication, Identity Verification, First-Party Fraud, and Third-Party Fraud rule oversight. The ideal candidate brings fraud expertise, strong analytical skills, and the ability to clearly communicate findings and recommendations to senior management and governance stakeholders. 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, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position.

Requirements

Bachelor's degree; OR 4 years of relevant education and/or experience.
8 or more years relevant experience in risk, compliance, legal or audit within the financial services or insurance industry or specialized technical fields directly related to the role.
6 years relevant experience in risk, compliance, legal or audit within the financial services or insurance industry or specialized technical fields directly related to the role.
Risk and compliance management experience working in a complex institution and/or highly matrixed environment.
In-depth knowledge of compliance laws, regulations, and regulatory expectations.
Demonstrated ability to apply regulatory risk and compliance knowledge or to consult and provide insights and guidance to business partners and peers.
Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.
Ability to effectively work with internal and external partners in a highly collaborative environment.
Demonstrated critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include demonstrated ability to effectively make data-driven decisions.
Proactively identifies potential concerns and resolves issues.
Advanced proficiency with Microsoft Office products including Word, Excel, and PowerPoint.

Nice To Haves

3+ years of fraud experience supporting Internal Fraud, Account Takeover, Identity Theft, payment card (debit and credit) fraud, Credit Card Fraud Claims, wire fraud, ACH fraud, or related fraud prevention and detection programs.
2+ years of experience managing, overseeing, or assessing Internal Fraud risks within a financial services organization, including employee misconduct, insider threats, collusion, unauthorized account activity, misuse of privileged access, and related fraud schemes.
2+ years of experience developing, managing, overseeing, assessing, testing, or validating fraud strategies, fraud rules, detection scenarios, or fraud models, including governance, change management, periodic reviews, and performance monitoring.
2+ years of Second Line of Defense (SLOD) risk, compliance, audit, or fraud oversight experience within a financial services organization.
Experience evaluating fraud rule design and logic, detection methodologies, data sources, models, SQL queries, scripts, code, and other technical artifacts supporting fraud detection and prevention capabilities.
Demonstrated ability to analyze fraud trends, rule performance, losses, operational metrics, and control effectiveness to identify emerging risks and formulate risk-based conclusions.
Knowledge of regulatory and compliance requirements relevant to fraud risk management, including privacy, consumer protection, identity theft, authentication, information security, and operational risk.
Industry certifications such as CFE, CAMS, or ABA certifications.

Responsibilities

Partners and provides guidance to key stakeholders in the business to identify, assess, aggregate and document risks and compliance controls, including risks associated with new or modified products, services, distribution channels, regulations, and third-party operations.
Communicates results of risk and compliance work to governance committees, business process owners and various levels of leadership.
Implements new risk policies, practices, appetites, and solutions to ensure holistic understanding and management of risks according to industry best practice.
Executes assigned risk and compliance activities assigned in accordance with enterprise policies and procedures.
Maintains and expands advanced knowledge of the competitive/regulatory landscape and the company's key challenges.
Coordinates and responds to regulatory requirements and requests and ensures the execution of examinations.
Enhances and contributes to strategies, tools, and methodologies to measure, monitor, and report risks.
Applies expert risk and compliance knowledge to utilize or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.
Serves as a key contributor in cross-functional teams to identify, assess, aggregate, and mitigate current and emerging risk events.
Formulates stress test plans for a line of business or the enterprise including the evaluation of results and framing of contingency plans in partnership with key business stakeholders.