Senior Compliance and Controls Specialist - Banking (CHARLOTTE)

Why USAA?

Make your application after reading the following skill and qualification requirements for this position. 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.

The Opportunity

Join our front-line team and play a vital role in ensuring the strength and effectiveness of our risk and compliance programs! In this collaborative role, you'll work closely with Compliance, Risk Management, Operations, IT, Audit, and even Regulators on a variety of risk and compliance initiatives. You'll help our business leaders stick to the established risk framework, oversee important controls, identify areas for improvement, and facilitate solutions. You'll also contribute to audits and exams, and proactively monitor our defenses to minimize risk and strengthen our overall control environment. If you're a data-savvy, critical thinker who wants to make a real difference in protecting our organization, we encourage you to apply!

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, Chesapeake, VA or Tampa, FL.

Relocation assistance is not available for this position.

What you'll do :

Lead and drive solutions for stronger controls, and in support of risk and / or regulatory compliance related initiatives which may include oversight of procedures / process, accurate regulatory reporting and filing, document governance, risk control self-assessments, procedure governance, control design, new product controls, Company or Staff Agencies Third Party Governance, or quality governance.

Perform ongoing supervision and oversight of business controls and shares knowledge to evaluate the effectiveness of established business controls.

Responsible for risk data analysis, report preparation and trend analysis, using business intelligence tools.

Anticipate business needs and proactively finds opportunities to improve and strengthen the control environment through actionable insights.

Assist with translating control deficiencies into action plans and provides recommendations to enhance governance practices in alignment with frameworks.

Partner with team members to drive improvement efforts to correct or prevent unfavorable trends and assess the impacts.

Lead project team through concept, planning, execution, and implementation phases for effective and timely Risk remediation.

Advise senior management on the status of their control environment related to Risk identification and control weaknesses. Identifies critical areas to monitor and brings up issues and findings to appropriate partners.

Build and maintain processes, procedures, and tools for handling exception alerts as they occur, including monitoring of resulting exception cases.

Provide control oversight to ensure compliance with laws and regulations.

Serve as a primary resource to team members.

Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have :

Bachelors degree : OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

Minimum 6 years' experience supporting risk-related, compliance related, or business control design activities; OR 6 years' experience in a relevant quantitative field; OR Advanced degree or designation in a risk management or quantitative field, and 4 years' experience supporting risk-related, and / or compliance-related, or business control design activities; OR PhD in a risk management or quantitative field, and 2 years of experience supporting risk-related, and / or compliance-related, or business control design activities.

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.

What sets you apart :

Subject matter expertise in bank consumer protection regulatory compliance, with proficiency in one or more bank product lines and generalist knowledge across all product lines.

Experience researching, analyzing, and testing regulatory requirements, with a focus on practical application and business impact.

Strong critical thinking skills, intellectual curiosity, attention to detail, and effective organizational capabilities.

Proven ability to support complex testing engagements from initial planning through execution and final delivery, ensuring thoroughness and accuracy.

Effective relationship-building and influencing skills, with a track record of collaborating effectively with business partners to drive meaningful change. Strong written and verbal communication.

Demonstrated understanding of Process, Risk, and Control Inventories (PRCI) and Risk & Control Self-Assessments (RCSA), including the ability to credibly challenge risk / control linkages and identify coverage gaps.

Certified Regulatory Compliance Manager (CRCM) or Juris Doctor (JD) preferred.

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

Compensation range : The salary range for this position is : $103,450.00 - $197,730.00.

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.