Fraud Prevention and Detection Specialist Senior

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 are seeking a dedicated Senior Fraud Prevention and Detection Specialist for our San Antonio office to work within defined guidelines and framework, provides the team with expert knowledge of fraud policies, processes, and systems as well as shares industry best practices to promote deepening of their intuition for business. Provide support and advice for Detection Analysts with questions and concerns. Analyzes high risk financial and non-financial transactions and quickly detect and prevents fraudulent activities for a vast range of enterprise products and services. Actively participates in and sometimes leads knowledge sharing sessions with internal peers. Frequently prepares and presents cases of interest to department leader.

The Senior Fraud Prevention and Detection Specialist role is a hybrid work schedule, 3-days in-office and 2-days work from home. Hybrid roles help employees gain the best of both worlds – collaborating in-person in the office and working from home when needed to achieve focused results. This position is located in San Antonio, Tx.

Work Hours between Monday - Sunday -7:00 am - 9:00 pm CST, (40 hour work week) and 2 mandatory holidays per year.

The Opportunity

What you'll do:

• Serve as a subject matter expert on a variety of fraud management tools and systems used to identify and investigate suspicious financial and non-financial activity on a vast range of products and services.

• Serve as a subject matter expert for Fraud Prevention and Detection processes by providing input on business requirements for projects or process changes and/or updates as needed.

• Responsible for researching and providing detailed analysis in a timely manner to the appropriate area in the appropriate format.

• Initiate contact with members to review suspicious activity; and if necessary, takes appropriate actions to mitigate the risk and protect the member's assets.

• Responsible for assisting teammates with difficult calls and escalations.  Possesses multi product, system, and/or process knowledge and effectively uses it to prevent, detect and mitigate fraudulent activity across multiple products and services.

• Utilizes appropriate tools and procedures to report confirmed fraud and associated trends and occasionally participates in working sessions with the strategy team to enhance existing alerts.

• Apply extensive knowledge of the business, its products, and processes and actively provides improvement opportunities and recommended solutions to improve the effectiveness or efficiency of fraud prevention and detection.

• Provide guidance and mentoring to peers and serves as a resource to team members on escalated issues.

• Perform quality reviews and provides timely feedback to management.

• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• High School Diploma or General Equivalency Diploma required.

• 4 years of fraud prevention/detection experience in a financial services environment.

• Strong working knowledge of bank operations, fraudulent review, and regulations that relate to funds availability, check kiting and check fraud. 

• Strong attention to detail and high concern for data privacy and accuracy.  

• Comprehensive knowledge of the Bank's fraud prevention controls, risk processes, systems and data environments.

• Advanced knowledge of Microsoft Office products.

• General knowledge of REG CC, REG E, or REG Z Certificates and Designations Association of Certified Fraud Examiners (ACFE) preferred fraudulent activities for a wide range of enterprise financial products and services.

• Knowledge of federal laws, rules,  and regulations to include: Reg CC, Reg E

What sets you apart:

• Ability to apply critical thinking skills to writing and communication.

• Capable of quickly learning complex topics and communicating them to others,

• Experience with relevant supply chain management, vendor/third-party risk management, (working with off shore suppliers) or operations experience in financial services, information technology, or related industry.

• Subject-matter-expert knowledge of supply chain management and relevant industry regulations.

• Strong communication skills with proven ability to influence and drive solutions across all organizational levels.

• Strong strategic and operational planning experience.

• Experience leading cross-functional programs/projects.

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: $54,940.00 - $98,440.00

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.

Relocation assistance is not available for this position.

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.