Compliance and Operational Risk Testing Analyst Lead - Credit Card

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 Opportunity We are seeking a Compliance and Operational Risk Testing Analyst Lead for our Bank Risk Testing Team. The ideal candidate will possess expertise in Second Line of Defense (SLOD) testing or audit experience, with a strong focus on the Credit Card Risk sector. This role demands a track record of leading large engagements and cross-functional projects while ensuring compliance and operational risk management align with the organization's objectives, thus supporting our dedication to risk mitigation and regulatory adherence.

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:

Develops the steps needed to test and/or analyze compliance with policies/procedures and laws/regulations.

Serves as an expert in a specific subject/business area and provides guidance to team members on complex issues.

Leads and runs a grouping of tests to ensure operational risks and compliance requirements are adhered to.

Reviews and implements, as needed, work papers to support conclusions of test findings.

Provides input on allocation of resources to complete testing activities.

Performs qualitative analysis of data.

May develop executive briefs and present to key internal and external partners.

Builds, develops, and manages relationships with the business and internal control partners (Audit, Risk & Compliance, Legal) to facilitate teamwork between all lines of defense for testing.

What you have:

Bachelor's Degree OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a Degree.
8 or more years of meaningful work experience (internal/external audit, operational risk/compliance testing, quality assurance)
Knowledge of relevant industry regulations and regulatory compliance in a specific area.

Proven experience interpreting and applying federal and state laws and regulations and operational risk principles/concepts.

Knowledge of testing techniques and data analysis principles, as well as the ability to interpret subsequent results.

Ability to communicate effectively at all levels of management.

Detailed knowledge of Microsoft Office tools to include Word, Excel and PowerPoint.

What sets you apart:10+ years SLOD (Second Line of Defense) Testing or Audit experience3 + years leading large engagements, cross functional projects OR direct leadership

Knowledge of credit card risk and compliance techniques

Ability to effectively interact and connect with all levels of leadership, committee members or regulators

Strong analytical skills, attention to detail, and ability to exercise balanced judgment and decision making

Excellent written and verbal communication skills

Ability to synthesize complex/technical topics to non-technical audiences

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  for this position are accepted on an ongoing basis, this posting will remain…