Director, Fraud Strategy – Payments

USAA

. Lead analytical teams designing, building, and implementing fraud mitigation strategies across Zelle, wire transfer, bill pay, and web payment channels .

Posted 10/27/2026full-timeSan Antonio • United StatesLead💰 $164,780 - $314,960 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and implementing fraud mitigation strategies across various payment channels, utilizing advanced data analysis tools such as SAS and SQL. Proven ability to lead teams, manage fraud initiatives, and ensure compliance with banking regulations.

Highest-signal resume keywords

Fraud Mitigation Strategy DevelopmentSAS Data AnalysisSQL Query DevelopmentActimize Fraud Rule ImplementationTeam Leadership and Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud Detection StrategiesData AnalysisPolicy DevelopmentRisk ManagementBusiness Requirements GatheringFraud Case ManagementData VisualizationComplex Data ManipulationFraud Pattern AnalysisCompliance with Bank Regulations

Soft Skills

Strong Written CommunicationStrong Verbal CommunicationCollaborationInfluencing DecisionsPerformance Management

Tools & Technologies

SnowflakeActimizeSASSQLBI Tools

Industry Keywords

Financial CrimesFraud RiskReg EReg CCUDAAPFACTAReg ZFirst Line of DefenseStakeholder ConsultationBusiness Objectives Alignment

Tech Stack

Tools & technologies

SnowflakeSQL

About the role

Key responsibilities & impact

Lead analytical teams designing, building, and implementing fraud mitigation strategies across Zelle, wire transfer, bill pay, and web payment channels
Identify emerging threats and integrate and optimize fraud data within the Snowflake silver layer
Use SAS and SQL to derive actionable insights
Translate fraud strategies into comprehensive rules within the Actimize platform
Develop and implement policies, processes, and procedures for fraud initiatives aligned with company strategy, business objectives, and risk appetite
Lead a team responsible for executing the fraud strategic plan for short- and long-term business growth
Develop and monitor strategic plans, adjusting to rapid environmental changes
Collaborate with team members and analytical leaders within Financial Crimes to develop actionable strategic plans
Monitor industry trends and emerging fraud risks and adapt strategy accordingly
Anticipate fraud trends and opportunities, develop solutions, and make operational business recommendations and decisions
Work within fraud case management and detection systems to ensure seamless alert generation
Build and oversee a team through recruiting, development, retention, coaching, support, performance management, and managerial activities
Identify, measure, monitor, and control risks in accordance with risk and compliance policies and procedures

Requirements

What you’ll need

Bachelor's degree; OR 4 years of relevant education and/or experience
8 years of experience in financial crimes participating in stakeholder consultation, needs assessment, requirement translation and prescription of technology solutions
3 years of direct team lead or management experience
Expert experience developing and implementing policies, processes, and procedures for fraud initiatives that drive overall fraud strategy and analytic capabilities
Comprehensive understanding of gathering business requirements and applying business rules to recommend technology solutions
Knowledge of data analysis tools, data visualization, developing analysis queries and procedures in SQL, SAS, BI tools or other analysis software, and relevant industry data and methods
Extensive knowledge of bank laws and regulations related to money movement and/or payments, including Reg E, Reg CC, UDAAP, FACTA and Reg Z
Strong written and verbal communication skills
Extensive experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals
Extensive experience designing and implementing fraud detection strategies for Zelle, wires, bill pay, and web payment channels within a financial services environment
Advanced hands-on experience with SAS and SQL for complex data manipulation and fraud pattern analysis
Proven ability to develop and deploy fraud rules within Actimize
Experience managing data flows and analytics within Snowflake
Demonstrated expertise operating within a First Line of Defense model
Must not require visa sponsorship or immigration support now or in the future

Benefits

Comp & perks

Comprehensive medical, dental and vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off program
Paid holidays
16 paid volunteer hours
Various wellness programs
Career path planning
Continuing education
Remote or hybrid flexibility for active-duty military spouses, consistent with applicable policy and business needs
Pay incentives based on overall corporate and individual performance, at the discretion of the USAA Board of Directors