Navy Federal Credit Union

Artificial Intelligence

• Develop and drive the enterprise-wide AI and Generative AI strategy
• Prioritize the AI technology roadmap and support senior leadership in strategic planning and execution
• Identify opportunities for member value and improved member experience through AI innovation
• Align member-centric strategic initiatives with AI advancements
• Collaborate with cross-functional teams and enterprise stakeholders, including risk, compliance, and innovation groups
• Identify, assess, and implement AI opportunities aligned with member and business needs
• Partner with legal, compliance, and governance teams to establish ethical AI practices and regulatory compliance
• Develop and uphold enterprise AI guidelines
• Explain complex AI concepts and strategies to non-technical stakeholders through presentations and documentation
• Provide ongoing support and direction during implementation, resolving hurdles
• Apply design thinking to AI initiatives and promote continuous improvement and learning
• Monitor AI advancements, industry trends, and best practices to enhance initiatives and drive growth
• Coordinate with cross-enterprise stakeholders and manage vendor relationships

AI Strategist

Mortgage Loan Officer

• Interview and counsel members about first mortgage loans
• Take mortgage loan applications
• Establish and maintain personal relationships with members
• Guide and follow mortgage loans from initial application through closing
• Determine applicants’ qualifications
• Provide detailed information about Navy Federal mortgage and equity loan products
• Clarify complexities of the mortgage/equity loan process
• Evaluate, personalize, and recommend financing alternatives
• Build and maintain referral relationships with realtors, builders, and other centers of influence
• Comply with Navy Federal policies, procedures, and Bank Secrecy Act regulations

Mortgage Loan Officer I – Refinance Loan Officer

Associate

• Provide administrative support to Navy Federal Investment Services phone operations, digital chat, and Financial Advisors
• Respond to member telephone, digital chat, and other communication inquiries
• Assist with client inquiries through multiple media channels and verify Customer Personal Identity
• Research and follow up to achieve first-call resolution; redirect calls when appropriate
• Establish and maintain client relationships, determine needs, overcome objections, and transfer to appropriate staff
• Make outbound calls to resolve rejected paperwork issues and schedule, confirm, and track referrals and appointments
• Resolve challenging or sensitive situations using tactful customer service communications
• Review client accounts and activities, research needs, respond to inquiries, create cross-servicing opportunities, and increase product penetration
• Identify account irregularities, potential fraud, and abuse under BSA/AML requirements; document and report potential security breaches
• Assist with account setup and changes, portfolio reviews, and financial plans
• Prepare and review client paperwork for accuracy, completeness, currency, and regulatory compliance
• Stay current on regulations, security updates, fraud alerts, compliance requirements, policies, procedures, products, services, system changes, and marketing efforts
• Schedule, coordinate, and track expenditure, new business, and appointment results from marketing initiatives
• Assist in training and onboarding

Member Associate

Loan Processor

• Ensure loan applications are complete and comply with Federal and NCUA laws, regulations, and Navy Federal policies and procedures
• Review member loan applications for completeness and identify required information or supporting documentation
• Contact members for clarification and obtain additional details; verify employment, references, credit, and payoff information
• Conduct member re-interviews to obtain information requested by the Lending Committee
• Counsel members on loan options, loan status, and Navy Federal policies and procedures while maintaining confidentiality
• Verify employment data with employers, HR departments, supervisors, and other third parties
• Respond to inquiries regarding credit decisions, additional information, lending policies, practices, and collateral requirements
• Determine collateral, interest rates, repayment terms, and purpose codes
• Enter loan application requests into automated loan processing systems and update member demographic information
• Submit loan cancellations and enter changes to loan status in online loan systems
• Monitor loan-system queues, fax databases, and other databases for pending items
• Detect potential fraud indicators
• Forward completed documentation for electronic member-record processing
• Provide administrative support to the section and Lending Committee
• Review, analyze, and return drafts via the Draft Processing System
• Sort and distribute incoming mail and faxes
• Research, assemble, and obtain consumer loan information
• Typically receive guidance from a Consumer Loan Processor II
• Perform other related duties as assigned

Consumer Loan Processor

Data Scientist

• Scale AI solutions beyond experimentation
• Automate analysis for growing volumes of call transcripts, surveys, digital feedback, and other service interaction data
• Implement generative AI, LLM, RAG, and intelligent automation opportunities
• Analyze and interpret results with some complexity
• Develop and code basic software programs, algorithms, and automated processes
• Use modeling and trend analysis to analyze data
• Collaborate with team members and participate in team projects and initiatives
• Document and present findings using effective written and verbal communication

Processor

• Sort, scan, validate, and process remittances from various sources accurately and timely
• Review and verify incoming documents to mitigate fraud risk
• Follow Navy Federal Credit Union safety protocols and check fraud procedures
• Monitor operational priorities, including time in system, production goals, and service level targets
• Assess the negotiability of financial instruments and escalate as necessary
• Verify transaction authenticity and allocate funds in compliance with federal and organizational policies
• Evaluate remittance risks and process or escalate transactions according to channel
• Make independent decisions on special handling for deposits/payments within regulations and policies
• Identify compliance issues, seek guidance, and recommend risk-minimization actions
• Research member accounts and determine fund allocation for remittances and deposits
• Work independently under supervision while maintaining timeline sensitivity
• Communicate with internal partners to resolve member issues
• Manage multiple tasks, safety protocols, and cross-system logging
• Create member-facing correspondence, image replacement documents, and regulatory notifications
• Stay updated on processing procedures and technology trends
• Recommend improvements to remittance-processing efficiency and accuracy
• Perform other assigned duties

Remittance Processor

Financial Planning and Analysis

• Support the risk function by evaluating and analyzing risks and identifying mitigation approaches and solutions
• Document and test internal controls for Finance and Accounting processes
• Plan research and develop specialized risk assessment scopes
• Collaborate with management and personnel to optimize risk assessment scope development
• Identify business risks, operational and regulatory process deficiencies, and improvement opportunities
• Gather and synthesize data, present conclusions, and offer risk mitigation, remediation, and process improvement solutions to management
• Lead or conduct specialized risk assessment and testing lifecycles for business activities, processes, policies, and procedures
• Assess operational effectiveness and compliance with regulatory requirements, federal and state laws, and Navy Federal standards, policies, and procedures
• Recommend additional controls and corrective actions to improve operational efficiency, effectiveness, and risk mitigation

Associate Risk Analyst – Finance, Accounting Controls Testing

• Sort, scan, validate, and process remittances from various sources accurately and timely
• Review and verify incoming documents to mitigate fraud risk
• Follow Navy Federal Credit Union safety protocols and check fraud procedures
• Monitor operational priorities, production goals, and service-level targets
• Assess negotiability of financial instruments and escalate as necessary
• Verify transaction authenticity and allocate funds in compliance with federal and organizational policies
• Evaluate remittance risks and process or escalate accordingly
• Make independent decisions on special handling for deposits/payments within regulations and policies
• Research member accounts and determine fund allocation for remittances and deposits
• Communicate with internal partners to resolve member issues
• Log items across systems and manage multiple processing tasks
• Create member-facing correspondence, image replacement documents, and regulatory notifications
• Stay updated on processing procedures and technology
• Recommend improvements to remittance-processing efficiency and accuracy
• Perform other assigned duties

• Sort, scan, validate, and process remittances from various sources accurately and timely
• Review and verify incoming documents to mitigate fraud risk
• Follow Navy Federal Credit Union safety protocols and check fraud procedures
• Monitor operational priorities, production goals, and service level targets
• Assess negotiability of financial instruments and escalate as necessary
• Verify transaction authenticity and allocate funds in compliance with federal and organizational policies
• Evaluate remittance risks and process or escalate accordingly
• Make independent decisions on special handling for deposits and payments within regulations and policies
• Identify compliance issues, seek guidance, and recommend risk-minimizing actions
• Research member accounts and determine fund allocation for remittances and deposits
• Work independently under supervision while maintaining timeline sensitivity
• Communicate with internal partners to resolve member issues
• Manage multiple tasks and log items across systems
• Create member-facing correspondence, including image replacement documents and regulatory notifications
• Stay updated on processing procedures and technology
• Recommend improvements to remittance-processing efficiency and accuracy
• Perform other assigned duties

Auditor

• Perform pre-implementation reviews of new and changing technology to evaluate risks and control design before go-live
• Contribute to advisory and occasional IT audit engagements according to Navy Federal and industry audit standards
• Assist the Auditor-In-Charge in identifying and assessing technology risks and developing risk-based audit or advisory work programs
• Conduct preliminary research, participate in and occasionally lead process walkthroughs, document narratives and workflows, identify risks and controls, and obtain testing evidence
• Leverage data analytics and technology to increase risk coverage and provide insights to business partners
• Perform IT controls testing across multiple concurrent engagements and document results
• Review evidence, requirements, and test results to assess design adequacy, control readiness, and solution objectives before go-live
• Evaluate requirements traceability, system integration, data migration testing, and go-live readiness with project teams
• Identify and summarize potential issues and discuss them with the Auditor-In-Charge
• Prepare workpapers supporting audit observations, issues, and conclusions
• Manage workload and timelines and report delays and issues to audit management
• Participate in Internal Audit strategic initiatives and promote continuous improvement
• Maintain compliance with applicable federal, state, and industry laws, regulations, and guidelines
• Monitor evolving industry trends, technology, and emerging risks affecting the company
• Perform other duties as assigned

IT Auditor II – Advisory, Technology Implementation

General

• Lead coordination and oversight for complex cases, programs, or mission areas requiring senior-level judgment, cross-functional alignment, and sustained stakeholder engagement
• Assess operational risks, policy considerations, information gaps, trends, and emerging issues; develop recommendations that support leadership decisions and mission outcomes
• Produce executive-level briefings, operational assessments, decision papers, reports, and strategic communications for senior stakeholders
• Advise leadership and cross-functional teams on operational requirements, documentation standards, process improvements, and policy interpretation
• Drive coordination across internal and external stakeholders to resolve complex issues, deconflict priorities, and ensure timely execution of critical activities
• Establish, refine, and promote best practices for information management, reporting quality, operational tracking, and stakeholder communication
• Provide coaching, technical guidance, and quality review for junior and mid-level Case Mgmt. Officers
• Represent the function in senior-level meetings, working groups, reviews, and planning discussions as needed

Senior TMU Desk Officer

Investigator

• Investigate insider threat indicators, including unauthorized access or disclosure, suspicious contacts, data misuse, data exfiltration, foreign influence, cyber activity, fraud, and compromise of sensitive information
• Develop and execute investigative plans for complex insider threat, counterintelligence, cyber-enabled, and fraud-related matters
• Conduct structured interviews, collect and analyze evidence, and maintain complete and accurate investigative documentation
• Coordinate with Information Security and digital forensic teams to evaluate technical evidence, security alerts, system activity, and other relevant data
• Analyze behavioral, technical, financial, and contextual information to assess likelihood, severity, and potential impact
• Perform case triage and risk assessments, prioritizing investigations based on threat severity, business impact, member risk, and regulatory exposure
• Preserve evidence and maintain chain-of-custody requirements
• Collaborate with Human Resources, Legal, Compliance, Information Security, Fraud, Physical Security, Technology, and business units on response plans, corrective actions, and control enhancements
• Leverage insider threat detection and investigative technologies
• Participate in root cause analysis and recommend preventive measures for vulnerabilities and control gaps
• Prepare investigative reports, findings, risk assessments, and executive briefings
• Identify insider threat trends and emerging risks through case analysis, intelligence reporting, metrics, and monitoring
• Support insider threat governance, policies, procedures, awareness programs, and targeted training
• Coordinate with federal agencies, law enforcement, and industry partners to share threat information and identify leading practices
• Investigate fraud-related activity using fraud detection, transactional analysis, and loss prevention practices
• Maintain knowledge of applicable laws, regulations, cybersecurity standards, privacy requirements, and Navy Federal policies
• Perform other duties as assigned

Insider Threat Investigator

Cloud Engineer

• Lead FinOps strategy and execution for Azure cloud, including cost forecasting, budgeting, and optimization
• Own and manage Azure billing administration, including reservation purchases, compute savings plans, and cost allocation
• Develop and maintain tooling and dashboards to monitor cloud spend and identify savings opportunities
• Collaborate with engineering, finance, and procurement teams across geographies to align cloud usage with business goals
• Provide guidance and training on cloud cost management best practices
• Analyze usage patterns and recommend architectural changes to improve cost efficiency
• Ensure compliance with internal financial policies and external regulatory requirements
• Contribute to platform engineering initiatives, including automation, infrastructure as code, and cloud governance
• Participate in Cloud Native Engineering’s roadmap planning and execution
• Manage relationships with Microsoft and third-party FinOps tooling providers to ensure optimal service delivery, contract alignment, and cost efficiency

AI Strategist

Mortgage Loan Officer I – Refinance Loan Officer

Member Associate

Consumer Loan Processor

Data Scientist

Remittance Processor

Associate Risk Analyst – Finance, Accounting Controls Testing

Remittance Processor

Remittance Processor

IT Auditor II – Advisory, Technology Implementation

Senior TMU Desk Officer

Insider Threat Investigator

Senior Platform Engineer – Cloud Native Engineering, Azure FinOps