Why USAA?
Let’s do something that really matters.
At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.
We believe in our core values of honesty, integrity, loyalty, and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!
The Opportunity: Director of Fraud Prevention and Detection
As a dedicated Director, Fraud Prevention and Detection, you will provide oversight and manage the strategic direction of fraud risk at USAA. You will direct tactical operational issues and resolution activities related to financial fraud at USAA. Your role will involve protecting member assets by minimizing fraud loss, risk exposure, and providing optimal customer service. You will implement and execute business plans, drive and champion change, and provide feedback to senior management.
Responsibilities
- Develop strategies and solutions to enable USAA members to conduct business (open new accounts, maintenance accounts, move money/make payments, debit/credit cards, etc.) while reducing fraud risk.
- Ensure activities are aligned with the corporate mission, strategy, and objectives to protect USAA.
- Develop managers and staff knowledge and collaborate with Fraud Strategy to ensure outstanding detection solutions are delivered in a timely, efficient manner.
- Develop solutions (technical and nontechnical) that enable outstanding member experience while mitigating fraud risks and abiding by all governing rules and mentorship imposed by regulatory bodies.
- Assist in the advancement of USAA products and channels, enabling member functionality and transactions while balancing risk and controls.
- Collaborate with business partners to plan, prepare, and forecast potential losses, develop mitigating controls and educate business collaborators on fraud schemes and industry trends.
- Develop key metrics and report trends, industry developments, and standard methodologies.
- Present information to executive management to raise fraud awareness and education.
- Build and lead all aspects of a team of employees for the assigned functional area through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities.
- Ensure risks associated with business activities are effectively identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures.
What You Have
- Bachelor’s degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of a degree.
- 8 years of financial services experience, to include at least 3 years of fraud or operational experience in one or more of the following areas: check, wire, ACH, securities/brokerage, card, ID theft, corporate security investigations, collections underwriting, risk, compliance, internal audit, or other related experience.
- 3 years of direct team lead or management experience.
- 3 years of experience working with federal regulations as they relate to bank security, investigations, case creation, SAR filing, and recovery.
- Subject-matter-expert knowledge of Microsoft Office products.
- Experience developing strategies and managing major initiatives pertaining to Fraud operations and/or Bank operational risk.
- Experience leading teams responsible for banking operations, fraudulent review, and regulations that relate to funds availability, check kiting, and check fraud.
- Expert knowledge of REG CC, REG E, or REG Z.
- Certificates and Designations: Association of Certified Fraud Examiners (ACFE) preferred.
- Extensive knowledge of the Bank's fraud prevention controls, risk processes, systems, and data environments.
- Knowledge of federal laws, rules, and regulations to include: Reg CC, Reg E.
What Sets You Apart
- US military experience through military service or as a military spouse/domestic partner.
- Proven ability to quickly understand complex topics and speak to newly acquired information succinctly.
- Extensive experience performing deep dives and performing root cause analysis.
- Understanding of process and procedure flows to provide applicable feedback.
- Understanding of agile project management methodology.
- Executive presenting skills.
The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
What We Offer
- Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is $120,550 - $216,990.
- Incentives: Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
- Benefits: At USAA, our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental, and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assist employees with their professional goals.
For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.
Applications for this position are accepted on an ongoing basis. This posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Provided location(s): San Antonio, TX, USA
Job ID: usaa-1419402474
Employment Type: Full Time
Conclusion
Joining USAA means becoming part of a dedicated team that values honesty, integrity, loyalty, and service. As a Director of Fraud Prevention and Detection, you will play a crucial role in protecting our members' financial security while fostering a collaborative and supportive work environment.
With competitive compensation, outstanding benefits, and a commitment to your professional growth, USAA offers a rewarding career where you can make a real impact. Apply today and be part of something truly special at USAA.
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