Fraud Intelligence Analyst Senior

Company: USAA
Location: San Antonio
Posted on: February 15, 2025

Job Description:

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 OpportunityThe Fraud Intelligence Analyst, Senior is a member of the Fraud Intelligence Team within the Bank Fraud Prevention organization. This role reports to the Director of Fraud Intelligence. The team leverages all-source intelligence and internal data to identify fraud risks targeting USAA's members, partnering with internal teams, peer financial institutions, law enforcement, and more to mitigate these risks.Key Responsibilities:

• Triage, case, analyze, and disseminate all-source intelligence with the goal of identifying at-risk accounts and risk gaps.
• Complete analyses using a combination of internal tools, systems, data, and engagements of internal stakeholders and external intelligence sources (e.g. suppliers, peer financial institutions, information-sharing groups).
• Develop partnerships with Bank teams and Enterprise functions to collect and disseminate intelligence.
• Collaborate with the External Engagement Lead to collect/share fraud threat intelligence from/with peer financial institutions and information-sharing groups like the NCFTA.
• Author and optimize processes for the analysis and treatment of fraud threat intelligence.
• Identify new tools, suppliers, and data sources to improve analysis capabilities.
• Grow the team's network of internal and external contacts to support intelligence sharing and fraud risk mitigation.This position can work remotely in the continental U.S. with occasional business travel.What you'll do:
  • Guides and facilitates cross-functional team members in the implementation, management and oversight of fraud risk management workstreams, projects and solutions.
  • Utilizes subject matter expertise of fraud risk management requirements, policies, laws, and regulations to influence business strategies and solutions and advise the business on how to strengthen and manage fraud risk requirements on business action plans, projects, or operational requests.
  • Contributes to the execution of risk assessments with business partners and the lines of business to determine impact and solutions.
  • Identifies operational inefficiencies and emerging fraud management risks, compliance, and control issues in the operating environment, concurrent with implementing action plans to mitigate business impact.
  • Provides guidance to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure proper execution of conduct examinations.
  • Manages and responds to regulatory requirements and requests and ensures the execution of conduct examinations.
  • Periodically briefs executive management on enterprise projects and initiatives that may impact fraud risk.
  • Serves as a mentor to peers and team members for assigned area of responsibility.
  • Develops and executes training plans tied to fraud risk management through understanding of regulatory and industry trends.
  • Ensures 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 financial services or federal, state, local, or military law enforcement investigations experience (in addition to the minimum years of experience required) may be substituted in lieu of degree
    • 6 years of combined relevant experience in financial services, fraud, cyber/fraud threat intelligence, intelligence analysis, digital crime, and/or AML.
    • 4 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes, or policies.
    • Advanced knowledge of the financial services industry, fraud threat landscape, fraud prevention concepts, anti-money laundering, and/or cybersecurity concepts
    • Demonstrated analytical, organizational, and problem-solving abilities requiring a high attention to detail to identify fraud risks and trends.
    • Strong communication skills with the ability to collaborate and execute among cross-functional teams, including all levels of the organization and with external regulatory agencies.
    • Knowledge of federal laws, rules, and regulations, to include: PCI, REG CC, REG E, UCC, FCRA, BSA/AML, Elder Financial Exploitation guidance, OCC Fraud Risk Management 2019-37.What sets you apart:
      • Working knowledge of Snowflake, SQL, SAS, and other RDBMS tools for the purposes of querying and analyzing data.
      • Demonstrated analytical, organizational, and problem-solving abilities requiring a high attention to detail to identify fraud risks and trends.
      • Previous experience with information-sharing groups such as the NCFTA, FS-ISAC, and/or ISMG to obtain and analyze intelligence for the purpose of fraud risk mitigation.
      • Knowledge of banking products and services offered by the Bank including checking/savings accounts, credit cards, mortgages, auto loans, etc.
      • Knowledge of common bank fraud typologies and TTPs (e.g., ATO, social engineering, phishing, ID theft, etc.) and tools used in the detection and analysis of cyber-enabled fraud.
      • Familiarity with information-handling guidelines (e.g. TLP) and experience handling information that includes PII, PCI, and other sensitive data.
      • Strong knowledge of MS Office including Excel, Word, PowerPoint, and Visio.
      • Advanced licenses and certifications such as CFE, CAMS, CISSP are preferred, but not required.
      • US military experience through military service or a military spouse/domestic partnerCompensation range: The salary range for this position is: $93,770-$179,240.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.

Keywords: USAA, San Antonio , Fraud Intelligence Analyst Senior, Professions , San Antonio, Texas