Operational Risk Governance Specialist (CHARLOTTE)

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

This role is part of the First Line of Defense (FLOD) governance team, supporting the RIAP program which spans operational, strategic, and reputational risks. Ideal candidates will have a strong understanding of RCSA principles and a broad grasp of risk management, without needing to be a credit risk expert.

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:

• Manage 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-assessment, procedure governance, control design, new product controls, Company or Staff Agency Third Party Governance, or quality governance.

• Perform ongoing supervision and oversight of business controls and share knowledge with team members to evaluate the effectiveness of established business controls.

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

• Anticipate business needs and proactively identify 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 Risk and compliance frameworks.

• Partner with stakeholders 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. Identify critical areas to monitor and escalate issues and findings to appropriate stakeholders.

• Develop and maintain processes, procedures and tools for managing exception alerts as they occur, including monitoring 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:

• 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 6 years’ experience supporting risk-related, compliance related, or business control design activities; OR 6 years’ experience in a relevant quantitative discipline; OR Advanced degree or designation in a risk management or quantitative discipline, and 4 years’ experience supporting risk-related, and/or compliance-related, or business control design activities; OR PhD in a risk management or quantitative discipline, and 2 years’ 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:

• Demonstrated ability to execute deliverables and support organizational objectives within a fast‑paced risk management environment

• Experience supporting a financial institution risk program governance function

• Strong understanding of Lines of Defense roles, responsibilities, and accountability frameworks

• Proven capability to analyze complex risk issues and contribute to the development of effective solutions across risk assessments and enterprise risk programs

• Advanced proficiency in creating clear, impactful presentations for stakeholders at all levels of the organization, including executive leadership

• Working knowledge of OCC guidelines, regulatory expectations, and Heightened Standards

• Experience generating and analyzing risk reporting from Salesforce or comparable GRC platforms, including the development of customized or manual reports

• Familiarity with commonly used industry GRC tools and risk management systems

• Ability to effectively advocate for and partner with the First Line of Defense while collaborating with cross‑functional stakeholders

• Strong analytical and data‑mapping skills to translate risk information into comprehensive and actionable risk insights

• Experience operating within both First and Second Lines of Defense

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.