<h2>Why USAA?</h2>Lets do something that really matters. At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nations military, but we all share in the mission to give back to those who did. Were working as one to build a great experience and make a real impact for our members. We believe in our core values of honesty, integrity, loyalty and service. Theyre 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 special!<h2>The Opportunity</h2>As a dedicated Bank Credit Risk Analyst Senior, you will be using quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.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 or Tampa, FL. Relocation assistance is not available for this position.What you'll do:<ul><li>Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies.</li><li>Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.</li><li>Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key partners and leadership.</li><li>Analyzes internal and external scores/data for use in identifying first party fraud.</li><li>Applies industry knowledge and driven benchmarking to advise credit strategy development.</li><li>Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems.</li><li>Develops, handles, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.</li><li>Designs and performs complex financial risk sensitivity analysis.</li><li>Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended.</li><li>Applies expert programming and analytical techniques to analyze credit data.</li><li>Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.</li><li>Collaborates with key partners to guide & facilitate teams in the development and implementation of key initiatives.</li><li>Applies analytically derived insights to develop strategic plans with significant impact to business results.</li><li>Coaches and mentors other analysts and acts as a leader with vision within the analyst community.</li><li>Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.</li></ul>What you have:<ul><li>Bachelors degree in Business Management, Finance, Economics, Engineering, or in a Mathematical field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.</li><li>6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.</li><li>Experience in financial analysis activities to support risk strategy.</li><li>Strong understanding of banking regulations, risk, and/or compliance.</li><li>Advanced presentation and communication skills.</li><li>Advanced eye for business and attention to detail and accuracy.</li><li>Advanced research and investigation skills and demonstrated good judgement in problem solving.</li><li>Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.</li><li>Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPS or Visual Basic).</li><li>Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.</li></ul>What sets you apart:<ul><li>6+ years of experience with Python, SAS, or SQL to assemble and analyze data; including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.</li><li>6+ years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.</li><li>Experience with credit card origination credit strategy, or valuation (NPV) model for consumer lending products.</li><li>Experience working with cross functional partners and key collaborators to build consensus and drive initiatives.</li><li>Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions.</li><li>US military experience through military service or a military spouse/domestic partner.</li></ul>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.What we offer: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. The salary range for this position is: $120,550 - $230,400.Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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 and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic.

Skills: 2+ years of experience in AML Risk standards, guidelines, policies, and procedures or Investigation or Fraud or Credit Risk Experience in Investigations data, Suspicious Activity Reports (SARS) & Currency Transaction Reports (CTR), Know Your Customer (KYC) information, any relevant account and transaction data and all required information which would assist in an investigation.Experience in Advance ExcelBachelor’s Degree in mathematics and economics, Finance Roles & Responsibilities: <ul><li>Interpretation of AML Risk standards, guidelines, policies, and procedures. </li><li>Make risk-based determination through Quality Analysis whether alerts were properly cleared by Compliance Alerts Analysts. </li><li>Ensure Alert data has been accurately collected and documented, including but not limited to: Investigations data, Suspicious Activity Reports (SARS) & Currency Transaction Reports (CTR), Know Your Customer (KYC) information, any relevant account and transaction data and all required information which would assist in an investigation. </li><li>Strong research, analytical and comprehension skills, with ability to analyze large amounts of data</li></ul> About Us:Dexian is a leading provider of staffing, IT, and workforce solutions with over 12,000 employees and 70 locations worldwide. As one of the largest IT staffing companies and the 2nd largest minority-owned staffing company in the U.S., Dexian was formed in 2023 through the merger of DISYS and Signature Consultants. Combining the best elements of its core companies, Dexian's platform connects talent, technology, and organizations to produce game-changing results that help everyone achieve their ambitions and goals.Dexian's brands include Dexian DISYS, Dexian Signature Consultants, Dexian Government Solutions, Dexian Talent Development and Dexian IT Solutions. Visit <a>https://dexian.com/</a> to learn more.Dexian is an Equal Opportunity Employer that recruits and hires qualified candidates without regard to race, religion, sex, sexual orientation, gender identity, age, national origin, ancestry, citizenship, disability, or veteran status

Microsoft Cloud Operations and Innovation (CO I) is the team behind the cloud. Within CO I, the Global Project Controls (GPC) team is responsible for delivering core datacenter infrastructure for Microsoft's cloud business. The MS portfolio consists Risk Analyst, Risk, Analyst, Regional, Microsoft, Accounting, Construction

Why USAA? Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

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 special!

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, or Phoenix, AZ. Relocation assistance is not available for this position.

Leads risk management oversight for a line of business or staff agency in key risk identification, measurement, monitoring, control, and reporting. Drives the understanding and management of risk through appropriate practices and processes.

Takes ownership of assessing and overseeing business exposures including key and emerging risks.

Leads activities that monitor the risk and control environment and provide effective challenge to internal and external partners to ensure that exposures are kept at acceptable levels.

Raises and reports risks to the appropriate governance bodies.

Leads and drives complex initiatives and cross functional teams within the Chief Risk Office, across multiple bank business functions, and potentially across the Enterprise that drive successful problem resolution.

Leverages broad enterprise knowledge and/or expert knowledge of core business discipline(s), products, and processes.

The Opportunity
What you'll do:
Identifies, seeks, and successfully influences key partners across the Bank business executive leadership to support the identification, assessment, aggregation and the overall management of risks and controls.
Presents findings and recommendations to various levels of leadership and management committees and successfully communicates with and influences Bank executive leaders to adopt recommendations to improve the risk and control environment for the Bank.
Creates and effectively manages strong partnerships with the Bank and other risk and control functions including Business Risk and Control, Compliance and Operational Risk Testing (ECORT) among others to drive successful results and alignment on key risks.
Routinely communicates results of oversight activities including monitoring and risk assessments to governance committees’ business process owners and various levels of leadership in the bank and influences decision making.
Develops processes and procedures for successful implementation of new risk policies, practices, appetites, and solutions to ensure well-rounded understanding and management of Bank risks according to industry standard methodology.
Develops Bank risk tools, and methodologies to measure, monitor, and report risks based on established strategy.
Applies expert knowledge and independent critical thinking to use or produce analytical insights for discussion with cross functional teams to understand bank business objectives and influence solution strategies.
Leads, assembles, and facilitates cross-functional teams to identify, assess, aggregate, and mitigate current and emerging risk events.
Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.
Formulates and reviews stress test plans for bank.
Evaluates results, and frames contingency plans in partnership with bank partners.
Crafts key communications to be delivered to bank executives and board members.

What you have:
Bachelor's degree in Risk Management, Business, Finance, or a related field and 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.
8 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 subject area relevant to risk management and 6 years of work experience in a subject area relevant to risk management.
Advanced risk management experience in a complex institution and/or highly matrixed environment.
Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management, which results in influencing business outcomes.
Experience leading and directing solution-oriented work with both internal and external partners in a highly collaborative environment.
Demonstrated critical thinking and proven knowledge of data analysis tools and techniques. Decision-making abilities, to include proven ability to effectively make data-driven decisions.
Proactively identifies potential concerns and follows-up to resolve issues.
Advanced knowledge of Microsoft Office products including Excel and PowerPoint.
Knowledge of federal regulation 12 CFR Part 30, including Appendices A and D and with federal supervisory guidance, to include:
OCC Documents: Large Bank Supervision Handbook; OCC Safety and Soundness Handbooks - Internal Controls, Corporate & Risk Governance, Retail Lending; and key OCC bulletins - Model Risk Governance, Model Risk Management, New Products and Services Risk Management, Third Party Risk Management, Technology Risk Management, Stress Testing, and Operational Risk
Federal Reserve Documents: Consolidated Supervision Framework for Large Financial Institutions; Federal Reserve Board Bank Holding Company Supervision Manual
FFIEC Manuals and Handbooks to include: Banking, General understanding of federal laws, rules, and regulations, to include: CRA; ECOA; FCRA; MLA; SCRA; Regulation DD; Regulation E; Regulation Z; BSA/AML; and UDAP/UDAAP
Laws and Regulations for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory guidance applicable to the organization and responsibilities of the role.

What sets you apart:
Experience with Regulatory Exams, Audits, Internal Risk Assessments, and Reviews.
Issue management life cycle experience. Exposure to Controls infrastructure including process risk identification, controls mapping, testing and gaps closure.
Experience with executive communications and presentations, independently lead stakeholders engagements and meetings
US military experience through military service or a military spouse/domestic partner [optional]

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.

What we offer:
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. The salary range for this position is: $138,230 - $264,200 .

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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.

Why USAA?Let's do something that really matters.At USAA, we have an important mission:facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation's military, but we all share in the mission to give back to those who did. We're working as one to build a great experience and make a real impact for our members.We believe in our core values of honesty, integrity, loyalty and service. They're what guides everything we do &OpenCurlyDoubleQuote; from how we treat our members to how we treat each other. Come be a part of what makes us so special!The OpportunityAs a dedicated Bank Credit Risk Analyst Senior, you will be using quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.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 or Tampa, FL. Relocation assistance is not available for this position.What you'll do:Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies.Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key partners and leadership.Analyzes internal and external scores/data for use in identifying first party fraud.Applies industry knowledge and driven benchmarking to advise credit strategy development.Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems.Develops, handles, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.Designs and performs complex financial risk sensitivity analysis.Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended.Applies expert programming and analytical techniques to analyze credit data.Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.Collaborates with key partners to guide & facilitate teams in the development and implementation of key initiatives.Applies analytically derived insights to develop strategic plans with significant impact to business results.Coaches and mentors other analysts and acts as a leader with vision within the analyst community.Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.What you have:Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.Experience in financial analysis activities to support risk strategy.Strong understanding of banking regulations, risk, and/or compliance.Advanced presentation and communication skills.Advanced eye for business and attention to detail and accuracy.Advanced research and investigation skills and demonstrated good judgement in problem solving.Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPS or Visual Basic).Knowledge of federal laws, rules, regulations, and applicable guidance to include:FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.What sets you apart:6years of experience with Python, SAS, or SQL to assemble and analyze data; including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.6years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.Experience with credit card origination credit strategy, or valuation (NPV) model for consumer lending products.Experience working with cross functional partners and key collaborators to build consensus and drive initiatives.Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions.US military experience through military service or a military spouse/domestic partner.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.What we offer: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. The salary range for this position is:$120,550 - $230,400.Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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 and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic.

Why USAA?Let's do something that really matters.At USAA, we have an important mission:facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation's military, but we all share in the mission to give back to those who did. We're working as one to build a great experience and make a real impact for our members.We believe in our core values of honesty, integrity, loyalty and service. They're what guides everything we do &amp;OpenCurlyDoubleQuote; from how we treat our members to how we treat each other. Come be a part of what makes us so special!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, or Phoenix, AZ. Relocation assistance is not available for this position.Leads risk management oversight for a line of business or staff agency in key risk identification, measurement, monitoring, control, and reporting. Drives the understanding and management of risk through appropriate practices and processes.Takes ownership of assessing and overseeing business exposures including key and emerging risks.Leads activities that monitor the risk and control environment and provide effective challenge to internal and external partners to ensure that exposures are kept at acceptable levels.Raises and reports risks to the appropriate governance bodies.Leads and drives complex initiatives and cross functional teams within the Chief Risk Office, across multiple bank business functions, and potentially across the Enterprise that drive successful problem resolution.Leverages broad enterprise knowledge and/or expert knowledge of core business discipline(s), products, and processes.The OpportunityWhat you'll do:Identifies, seeks, and successfully influences key partners across the Bank business executive leadership to support the identification, assessment, aggregation and the overall management of risks and controls.Presents findings and recommendations to various levels of leadership and management committees and successfully communicates with and influences Bank executive leaders to adopt recommendations to improve the risk and control environment for the Bank.Creates and effectively manages strong partnerships with the Bank and other risk and control functions including Business Risk and Control, Compliance and Operational Risk Testing (ECORT) among others to drive successful results and alignment on key risks.Routinely communicates results of oversight activities including monitoring and risk assessments to governance committees' business process owners and various levels of leadership in the bank and influences decision making.Develops processes and procedures for successful implementation of new risk policies, practices, appetites, and solutions to ensure well-rounded understanding and management of Bank risks according to industry standard methodology.Develops Bank risk tools, and methodologies to measure, monitor, and report risks based on established strategy.Applies expert knowledge and independent critical thinking to use or produce analytical insights for discussion with cross functional teams to understand bank business objectives and influence solution strategies.Leads, assembles, and facilitates cross-functional teams to identify, assess, aggregate, and mitigate current and emerging risk events.Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.Formulates and reviews stress test plans for bank.Evaluates results, and frames contingency plans in partnership with bank partners.Crafts key communications to be delivered to bank executives and board members.What you have:Bachelor's degree in Risk Management, Business, Finance, or a related field and 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.8 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 subject area relevant to risk management and 6 years of work experience in a subject area relevant to risk management.Advanced risk management experience in a complex institution and/or highly matrixed environment.Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management, which results in influencing business outcomes.Experience leading and directing solution-oriented work with both internal and external partners in a highly collaborative environment.Demonstrated critical thinking and proven knowledge of data analysis tools and techniques. Decision-making abilities, to include proven ability to effectively make data-driven decisions.Proactively identifies potential concerns and follows-up to resolve issues.Advanced knowledge of Microsoft Office products including Excel and PowerPoint.Knowledge of federal regulation 12 CFR Part 30, including Appendices A and D and with federal supervisory guidance, to include:OCC Documents:Large Bank Supervision Handbook; OCC Safety and Soundness Handbooks - Internal Controls, Corporate &amp; Risk Governance, Retail Lending; and key OCC bulletins - Model Risk Governance, Model Risk Management, New Products and Services Risk Management, Third Party Risk Management, Technology Risk Management, Stress Testing, and Operational RiskFederal Reserve Documents:Consolidated Supervision Framework for Large Financial Institutions; Federal Reserve Board Bank Holding Company Supervision ManualFFIEC Manuals and Handbooks to include:Banking, General understanding of federal laws, rules, and regulations, to include:CRA; ECOA; FCRA; MLA; SCRA; Regulation DD; Regulation E; Regulation Z; BSA/AML; and UDAP/UDAAPLaws and Regulations for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory guidance applicable to the organization and responsibilities of the role.What sets you apart:Experience with Regulatory Exams, Audits, Internal Risk Assessments, and Reviews.Issue management life cycle experience. Exposure to Controls infrastructure including process risk identification, controls mapping, testing and gaps closure.Experience with executive communications and presentations, independently lead stakeholders engagements and meetingsUS military experience through military service or a military spouse/domestic partner optional 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.What we offer: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. The salary range for this position is:$138,230 - $264,200.Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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.

Why USAA?Let's do something that really matters.At USAA, we have an important mission:facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation's military, but we all share in the mission to give back to those who did. We're working as one to build a great experience and make a real impact for our members.We believe in our core values of honesty, integrity, loyalty and service. They're what guides everything we do &amp;OpenCurlyDoubleQuote; from how we treat our members to how we treat each other. Come be a part of what makes us so special!The OpportunityAs a dedicated Bank Credit Risk Analyst Senior, you will be using quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.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 or Tampa, FL. Relocation assistance is not available for this position.What you'll do:Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies.Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key partners and leadership.Analyzes internal and external scores/data for use in identifying first party fraud.Applies industry knowledge and driven benchmarking to advise credit strategy development.Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems.Develops, handles, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.Designs and performs complex financial risk sensitivity analysis.Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended.Applies expert programming and analytical techniques to analyze credit data.Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.Collaborates with key partners to guide &amp; facilitate teams in the development and implementation of key initiatives.Applies analytically derived insights to develop strategic plans with significant impact to business results.Coaches and mentors other analysts and acts as a leader with vision within the analyst community.Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.What you have:Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.Experience in financial analysis activities to support risk strategy.Strong understanding of banking regulations, risk, and/or compliance.Advanced presentation and communication skills.Advanced eye for business and attention to detail and accuracy.Advanced research and investigation skills and demonstrated good judgement in problem solving.Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPS or Visual Basic).Knowledge of federal laws, rules, regulations, and applicable guidance to include:FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.What sets you apart:6years of experience with Python, SAS, or SQL to assemble and analyze data; including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.6years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.Experience with credit card origination credit strategy, or valuation (NPV) model for consumer lending products.Experience working with cross functional partners and key collaborators to build consensus and drive initiatives.Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions.US military experience through military service or a military spouse/domestic partner.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.What we offer: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. The salary range for this position is:$120,550 - $230,400.Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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 and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic.

Why USAA? Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

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 special!

The Opportunity  As a dedicated Bank Credit Risk Analyst Senior, you will be using quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.

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 or Tampa, FL. Relocation assistance is  not  available for this position.

What you'll do:
Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key partners and leadership.
Analyzes internal and external scores/data for use in identifying first party fraud.
Applies industry knowledge and driven benchmarking to advise credit strategy development.
Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems.
Develops, handles, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
Designs and performs complex financial risk sensitivity analysis.
Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended.
Applies expert programming and analytical techniques to analyze credit data.
Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
Collaborates with key partners to guide & facilitate teams in the development and implementation of key initiatives.
Applies analytically derived insights to develop strategic plans with significant impact to business results.
Coaches and mentors other analysts and acts as a leader with vision within the analyst community.
Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:
Bachelor’s degree in Business Management, Finance, Economics, Engineering, or in a Mathematical field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.
Experience in financial analysis activities to support risk strategy.
Strong understanding of banking regulations, risk, and/or compliance.
Advanced presentation and communication skills.
Advanced eye for business and attention to detail and accuracy.
Advanced research and investigation skills and demonstrated good judgement in problem solving.
Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPS or Visual Basic).
Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

What sets you apart:
6+ years of experience with Python, SAS, or SQL to assemble and analyze data; including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.
6+ years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.
Experience with credit card origination credit strategy, or valuation (NPV) model for consumer lending products.
Experience working with cross functional partners and key collaborators to build consensus and drive initiatives.
Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions.
US military experience through military service or a military spouse/domestic partner.

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.

What we offer:

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. The salary range for this position is: $120,550 - $230,400 .

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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 and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic.

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Risk Analyst Jobs in San Antonio, TX

Bank Credit Risk Analyst Senior Retail BankingDecember 31, 2024

Risk Analyst Aml AnalystDecember 30, 2024

Amers Sub Regional Risk AnalystDecember 26, 2024

Risk Analyst Lead BankDecember 23, 2024

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