Compliance and Operational Risk Testing Analyst Lead

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

The Compliance & Operational Testing Analyst Lead serves as a regulatory subject matter expert supporting the implementation of Continuous Monitoring within the FLOD Bank Testing Program. This role translates complex consumer protection regulations into scalable, data-driven monitoring requirements and partners across Compliance, Risk, Business, Data, Analytics, and Technology to develop automated monitoring and testing capabilities.

The ideal candidate brings experience with continuous monitoring, automated or compliance testing, and developing monitoring requirements, business rules, or control testing methodologies. Strong candidates will have expertise across multiple banking products, such as Credit Cards, Deposits, Payments, Consumer Lending, or Real Estate, along with experience building monitoring frameworks from the ground up and using data to identify compliance risks, emerging trends, and monitoring opportunities.

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.

What you'll do:

• Develops the steps needed to test and/or analyze compliance with complex policies/procedures and laws/regulations.
• Serves as a subject matter expert in a specific subject/business area and provides guidance to team members on complex issues.
• Leads and manages a grouping of tests to assess operational risk mitigation and compliance requirements.
• Reviews and executes work papers to support conclusions of test findings.
• Provides input to leader on allocation of resources to complete testing activities.
• Performs complex qualitative analysis of testing data and develops reports and recommendations for leaders.
• May develop executive briefs and present to key internal and external stakeholders.
• Builds, develops, and maintains relationships with the business and internal control partners (Audit, Risk & Compliance, Legal) to facilitate collaboration between all lines of defense for testing.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• Bachelor's degree; OR 4 years of relevant education and/or experience.

Experiences that will support your success:

• Certified Regulatory Compliance Manager (CRCM) certification or equivalent professional certification demonstrating advanced expertise in consumer banking regulations.
• Deep knowledge of consumer protection regulations, including Regulation Z, Regulation B, Regulation E, FCRA, SCRA, UDAAP, and other applicable banking laws and regulations.
• SME knowledge in one or more of USAA’s Everyday Banking products (Credit Cards, Deposits & Payments)
• Significant experience in Compliance Testing, Operational Testing, Compliance Risk Management, Internal Audit, or related regulatory oversight functions within the banking or financial services industry.
• Strong understanding of consumer banking products at USAA, associated operational processes, and applicable regulatory requirements.
• Demonstrated experience interpreting regulatory requirements and translating them into actionable business requirements, testing methodologies, and monitoring solutions.
• Experience leading complex, cross-functional initiatives.
• Strong analytical, problem-solving, organizational, and written communication skills.
• Demonstrated ability to influence stakeholders, drive alignment, and deliver results within a matrixed environment.

What sets you apart:

• Experience implementing Continuous Monitoring, Continuous Controls Monitoring, Automated Testing, Compliance Testing, or Quality Assurance programs.
• Experience leading complex cross-functional initiatives across Compliance, Risk, Business, Data, Analytics, and Technology.
• Experience developing monitoring requirements, business rules, or control testing methodologies.
• Deep knowledge of two or more banking product areas, including Credit Cards, Deposits, Payments, Consumer Lending, and Real Estate.
• Experience building monitoring frameworks or automated compliance testing capabilities from the ground up.
• Strong analytical skills with the ability to leverage data to identify compliance risks, emerging trends, and monitoring opportunities.

Compensation range: The salary range for this position is: $127,310- $243,340.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

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.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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.

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 assists employees with their professional goals.

For more details on our outstanding benefits, 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.