Fraud External Engagement Lead

3 weeks ago

PHOENIX, United States USAA Full time
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

This position can work remotely in the continental U.S. with occasional business travel.

The Opportunity

As a Fraud External Engagement Lead, you will be building and maintaining key relationships across USAA, peer financial institutions, law enforcement, and industry groups such as the NCFTA with the goal of facilitating information sharing. You’ll design and oversee processes for the collection, triage, and documentation of inbound intelligence, partnering with USAA’s Fraud Intelligence Team and other key stakeholders to identify and remediate fraud risks.

What you'll do:

  • Leads cross-functional team members in strategic development, implementation, and execution of highly complex or unique fraud risk management workstreams, projects and solutions.

  • Provides thought leadership and subject matter expertise to guide the strategic direction of fraud risk requirements on business action plans, projects or operational requests based on regulatory guidance.

  • Applies a holistic understanding of fraud risk management requirements, policies, laws, and regulations to business strategies, programs and solutions. Anticipates how the organization must adapt to changes in the industry to sustain competitive advantage.

  • Oversees the execution of risk assessments with business partners and the lines of business to include root cause analysis to determine impact and solutions.

  • Anticipates and 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 technical guidance of a complex or unique nature to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure proper execution of conduct examinations. May oversee regulatory requirements and requests and/or conduct examinations.

  • Serves as a primary resource to d team members and to cross-functional teams in support of fraud-based initiatives.

  • Regularly briefs executive management on enterprise projects and initiatives that may impact fraud risk.

  • Anticipates future training needs tied to fraud risk management through understanding 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.

What you have:

  • Bachelor's Degree OR 4 years of related fraud, compliance, risk, audit or regulatory experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

  • 8 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.

  • 6 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes, or policies.

  • Expert 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.

  • Proven ability to lead and influence others in a cross-functional environment.

  • 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.

What sets you apart:

  • 10+ years of relevant experience in financial services, fraud, cybersecurity, and/or AML.

  • Previous experience with information-sharing groups such as the NCFTA, FS-ISAC, ISMG, IASCI, etc.

  • Experience using intelligence-sharing forums to obtain and analyze TTPs for the purpose of fraud risk mitigation.

  • Knowledge of banking products and services offered by the bank including checking/savings accounts, credit cards, mortgages, auto loans, etc.

  • Knowledge of common bank fraud typologies and TTPs (ATO, social engineering, phishing, ID theft, etc.) and tools used in the detection and analysis of cyber-enabled fraud.

  • Familiarity with information-handling guidelines (e.g. TLP) and experience handling information that includes PII, PCI, and other sensitive data.

  • Established network of connections across the financial services sector and law enforcement.

  • Excellent written and verbal communication skills.

  • Prior experience working in, or liaising with, law enforcement.

  • Ability to analyze large datasets to identify patterns and risk indicators.

  • Advanced degrees, licenses, and certifications such as CFE, CAMS, CISSP are preferred, but not required.

  • US military experience through military service or a military spouse/domestic partner

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-$230,400.

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 assists 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.

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