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.The OpportunityWe are looking for a mid-level Risk Analyst for the group within the Bank that focuses on second line oversight of the deposits, card and payments lines of business. Provides risk management support for a line of business or staff agency in key risk identification, measurement, monitoring, control and reporting, and the understanding and management of risk through appropriate practices and processes. Assess and oversee enterprise and business exposures including key and emerging risks. Monitors the risk and control environment and provides effective challenge to internal and external stakeholders to ensure that exposures are kept at acceptable levels. Advances and reports risks to the appropriate governance bodies.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.<h2>What youll do:</h2><ul><li>Partners with key stakeholders in the business to identify, assess, aggregate and document risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and third-party operations.</li><li>Communicates results of risk assessments to governance committees, business process owners and various levels of leadership.</li><li>Contributes to the implementation of new risk policies, practices, appetites and solutions to ensure comprehensive understanding and management of risks according to industry best practice.</li><li>Improves strategies, tools, and methodologies to measure, monitor, and report risks.</li><li>Applies solid understanding to assess data and produce analytical insights to understand business objectives, drive risk-based business decisions and influence solution strategies.</li><li>Optimally contributes in cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.</li><li>Provides oversight of risk through documentation review, assessment of performance monitoring, model validation, and use implementation</li><li>Supports the formulation of scenario analysis and/or stress test plans, including the evaluation of results, and framing of contingency plans in partnership with key business stakeholders.</li></ul><h2>What you have:</h2><ul><li>Bachelors degree in Risk Management, Business, Finance, or a related field OR 4+ additional years of related experience beyond the minimum required which may be substituted in lieu of a degree.</li><li>4+ years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area OR advanced degree/designation in Risk Management, Business, Finance, or other discipline relevant to risk management and 2+ years work of experience in a discipline relevant to risk management.</li><li>Demonstrated knowledge of risk management principles, tools and applicable systems.</li><li>Risk management experience in a complex institution and/or highly matrixed environment.</li><li>Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.</li><li>Ability to effectively work with both internal and external partners in a highly collaborative environment.</li><li>Demonstrated critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include demonstrated ability to effectively make data-driven decisions.</li><li>Proactively identifies potential concerns and follows-up to resolve issues.</li><li>Proficient knowledge of Microsoft Office products including Excel and PowerPoint.</li></ul>What sets you apart:<ul><li>Prior professional experience associated with the Deposits or Payments business lines.</li><li>Demonstrated experience in conducting independent monitoring and testing activities, including issue validation.</li><li>Proven track record to analyze complex datasets to detect patterns, trends, and inconsistencies to identify potential risks.</li><li>Proficient in using data analysis tools (Tableau, Excel, etc)</li><li>Strong presentation skills, demonstrating the ability to effectively communicate results to internal teams and key business stakeholders.</li><li>US military experience through military service or a military spouse/domestic partner</li></ul>Compensation range: The salary range for this position is: $85,040 - $162,550.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, F-1, 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.