Executive, Business Risk and Controls
1 month ago
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 specialThe Opportunity
Leads implementation of the first line of defense Risk management program for the USAA Bank Mortgage Originations, Capital Markets, HELOCs, and Mortgage Servicing. Develops the first line of defense framework to ensure Risk data is captured to develop Risk mitigation strategies and controls. Engages and partners with the Chief Risk Office and provides leadership and direction to ensure processes and procedures are in place to effectively monitor and manage Risk. Ensures there is consistency in the aggregation of identifying and managing existing and emerging Risks that stem from business activities and ensure Risks associated with business activities are effectively identified, measured, monitored, and controlled.
This position can work remotely in the continental U.S. with occasional business travel.
What you’ll do:- Develops first line of defense controls, Risk programs and framework for line of business or staff agency. Oversees the implementation and maintenance of the governance framework to include internal and external
- Manages the development of quality standards, operating policies, and procedures and directs implementation of approved changes
- Identifies Risk and/or quality control improvements and provides support for major initiatives as appropriate, including project activities, related integrations, strategic activities, and large system/process improvements
- Partners with Senior Leaders in Audit, Compliance and Risk Management to provide input on control designs that address strategic, operational, financial and regulatory Risks
- Responsible for the governance, administration of compliance and operational documents and operating procedures
- Stays current of regulatory environment and new developments; Develops and recommends action plans for initiatives that have regulatory impact
- Supports and engages as appropriate in discussions with relevant regulators (e.g. OCC, FDIC, CFPB) on the business Risk control program and results
- Keeps direct Senior Management apprised of changes and developments
- Establishes and monitors key performance and Risk indicators/metrics for line of business or staff agency to assist with the early identification of Risk trends as first line of defense
- Leads a team of professionals who perform overall assessments of operational Risks and controls, and conduct testing and analyses to identify, validate, and manage emerging Risk exposures
- Implements second line of defense Risk management programs in accordance with established roles and responsibilities therein
- Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures
Minimum Education:
- Bachelor's degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree
Minimum Experience:
- 10 years of experience with a focus on Business Management, Operations, Risk Management, Audit, Control, or Reporting required
- 6 years of people leadership experience in building, managing and/or developing high-performing teams required
- Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required
- Executive-level business acumen in the areas of business operations, industry practices and emerging trends required
- Strong knowledge of industry-related regulatory requirements, and operational risk concepts.
- Demonstrated ability to successfully navigate and operate across multiple levels of an organization required
- Knowledge of federal laws, rules, regulations, and applicable guidance to area supported for example: OCC Heightened Standards, BSA/AML, REG E, UDAAP/UDAP, TILA/REG Z, SCRA, FCRA, MLA
- Ability to effectively communicate with business line Executives to ensure all actions remain within risk appetite
- Challenge business lines while keeping independence and escalate when necessary
- Ability to adapt to constant change and appropriate navigation changes
- Develops a team of talented risk managers while also building an effective succession plan
- Previous experience making presentations to, and interact with, regulators and Executive management
- In addition to the knowledge of federal laws and regulations indicated above, direct experience with RESPA and Investor Requirements associated with origination, capital markets, and servicing of mortgage loans and HELOCs
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 position. The salary range for this position is: $188,330 - $338,990
Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.
Long Term Incentive Plan: Cash payment for Executive level roles only, representing a cash payment which is both time and performance based.
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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