Senior Fraud Governance Advisor

USAA•San Antonio, TX

1d•Hybrid

About The Position

As a dedicated Senior Fraud Governance Advisor, you will establish, execute, and govern fraud management activities to include risk assessments, policies, frameworks, standards, processes, and tools as a first line of defense function. Serves as a fraud risk management subject matter expert 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 for the Staff Agency or Line of Business (LOB) supported. 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.
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.
Knowledge of federal laws, rules, and regulations, to include: PCI, REG CC, REG E, UCC, FCRA, BSA/AML, Elder Financial Exploitation guidance, OCC Fraud Risk Management 2019-37.

Nice To Haves

US military experience through military service or a military spouse/domestic partner
Fraud & Claims experience required
Knowledge of federal laws, rules, regulations, and applicable guidance to include OCC Heightened Standards, BSA/AML, REG E, UDAAP/UDAP, TILA/REG Z, SCRA, FCRA, MLA.
4 + years of bank product(s) related experience i.e. deposit accounts, credit card, mortgage, consumer loans, HELOC, disputes
5 + years of proven experience writing and editing business procedures, standard operating procedures (SOPs), or technical documentation
Ability to translate complex processes into clear, concise, and user-friendly content
Strong understanding of process documentation frameworks and business process flows (e.g., L1-L5 mapping).
Demonstrated ability to analyze complex situations, identify root causes, and develop effective solutions.
Strong problem-solving and analytical skills.
Excellent communication, organizational, and time management skills.
Experience working in a regulated environment.
Experience with risk management principles.
Ability to work effectively under pressure and meet deadlines
Issue Management related experience

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 risk.
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.