Senior Risk and Compliance Advisor – Internal and External Fraud Risk

USAA

. Provides independent second-line oversight and effective challenge of fraud risk management activities, primarily Internal Fraud rules and governance .

Posted 10/13/2026full-timeUnited StatesSenior💰 $114,080 - $218,030 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in risk and compliance management within financial services, with a strong focus on fraud risk oversight, regulatory compliance, and analytical decision-making. Proficient in evaluating fraud trends and rule performance while effectively collaborating with cross-functional teams to mitigate risks.

Highest-signal resume keywords

Risk And Compliance ManagementFraud Risk OversightData AnalysisRegulatory Compliance KnowledgeConflict Resolution Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud Rule DesignSQL QueriesData-Driven Decision-MakingRisk AssessmentsFraud Detection Methodologies

Soft Skills

Critical ThinkingCollaborationInfluencing Business OutcomesProactive Problem Solving

Tools & Technologies

Microsoft Office

Certifications & Qualifications

CFECAMSABA Certifications

Industry Keywords

Internal FraudCompliance LawsRegulatory ExpectationsFinancial ServicesSecond Line Of Defense

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Provides independent second-line oversight and effective challenge of fraud risk management activities, primarily Internal Fraud rules and governance
Assesses fraud rules and change management processes
Conducts risk assessments and monitoring activities
Evaluates rule performance and fraud trends
Provides risk-based challenge to ensure fraud risks are effectively managed
Partners across fraud, technology, compliance, and risk functions
May support Authentication, Identity Verification, First-Party Fraud, and Third-Party Fraud rule oversight
Partners with and guides business stakeholders to identify, assess, aggregate, and document risks and compliance controls
Communicates risk and compliance results to governance committees, business process owners, and leadership
Implements risk policies, practices, appetites, and solutions
Executes assigned risk and compliance activities according to enterprise policies and procedures
Maintains knowledge of the competitive and regulatory landscape and company challenges
Coordinates responses to regulatory requirements and requests and supports examinations
Enhances strategies, tools, and methodologies to measure, monitor, and report risks
Produces analytical material for cross-functional discussions and influences solution strategies
Contributes to cross-functional teams identifying, assessing, aggregating, and mitigating current and emerging risk events
Formulates stress test plans, evaluates results, and frames contingency plans with business stakeholders

Requirements

What you’ll need

Bachelor's degree; OR 4 years of relevant education and/or experience
8 or more years of relevant experience in risk, compliance, legal or audit within financial services or insurance, or specialized technical fields directly related to the role
6 years relevant experience in risk, compliance, legal or audit within financial services or insurance, or specialized technical fields directly related to the role
Risk and compliance management experience in a complex institution and/or highly matrixed environment
In-depth knowledge of compliance laws, regulations, and regulatory expectations
Ability to apply regulatory risk and compliance knowledge and provide insights and guidance
Experience in conflict resolution management and ability to challenge all levels of management and influence business outcomes
Ability to work with internal and external partners in a highly collaborative environment
Critical thinking, data analysis, and data-driven decision-making abilities
Ability to proactively identify concerns and resolve issues
Advanced proficiency with Microsoft Office, including Word, Excel, and PowerPoint
3+ years of fraud experience supporting Internal Fraud, Account Takeover, Identity Theft, payment card fraud, Credit Card Fraud Claims, wire fraud, ACH fraud, or related programs
2+ years of experience managing, overseeing, or assessing Internal Fraud risks within a financial services organization
2+ years of experience developing, managing, overseeing, assessing, testing, or validating fraud strategies, rules, detection scenarios, or models
2+ years of Second Line of Defense risk, compliance, audit, or fraud oversight experience within a financial services organization
Experience evaluating fraud rule design and logic, detection methodologies, data sources, models, SQL queries, scripts, code, and technical artifacts
Ability to analyze fraud trends, rule performance, losses, operational metrics, and control effectiveness
Knowledge of regulatory and compliance requirements relevant to fraud risk management
Industry certifications such as CFE, CAMS, or ABA certifications
Must not require current or future immigration support or visa sponsorship

Benefits

Comp & perks

Flexible work environment with hybrid flexibility for active-duty military spouses, consistent with policy and business needs
Pay incentives based on overall corporate and individual performance, at the discretion of the USAA Board of Directors
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
Wellness programs
Career path planning
Continuing education assistance