- CRR reports administratively through Enterprise Audit, functionally to the Boards of Directors, and is governed by the CRR Policy and the Interagency Guidance for CRR Systems.
- The group conducts its work through the execution of its programs in adherence with the CRR business plan. The CRR Programs include Continuous Monitoring, Periodic Reviews, and Portfolio Assessments.
- Results are reported to executive and senior management, bank credit risk management committee, and the Boards of Directors.
- This position is responsible for the quality and timely execution of the three programs (Continuous Monitoring, Periodic Reviews, and Portfolio Assessments) for the retail credit risks in USAA Federal Savings Bank and USAA Savings Bank.
- Applying data analytics support and techniques, synthesize and aggregate retail credit risk data across the banks.
- Through ongoing monitoring, Periodic Reviews, and overall credit risk assessments of retail credit exposures, review the lifecycle stages of credit analysis, portfolio management, default management, and loss mitigation to conclude independently upon inherent credit risk, quality of credit risk management, individual and aggregate credit risks, and direction of credit risk.
- Ensure CRR's independent coverage of the retail credit risks is appropriate.
- Constructively interact with key first and second line of defense Credit Risk Executives and Directors
- Engage in pertinent business and risk management meetings regularly, providing effective and credible challenge where warranted
- Ensure appropriateness of credit risk policies and procedures governing retail credit risks and the consistent application thereof
- Independently opine on the adequacy of underwriting analysis, appropriateness of credit decisions, and efficiency of the credit management process supporting credit or asset quality, including sufficiency of controls in place to mitigate credit risk to USAA
- Independently monitors credit risk trends in the retail exposures, attends relevant meetings, and establishes and maintains relationships with internal partners responsible for credit approval and credit risk management
- Recommend and assist in growing CRR Policy and procedures where needed
- Partners with key customers in the bank to identify, assess, aggregate and document risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and third-party operations using advanced knowledge.
- Communicates results of risk assessments to, business process owners and various levels of leadership in the bank.
- Implements new bank risk policies, practices, appetites, and solutions to ensure comprehensive understanding and management of bank risks according to industry standard methodology.
- Improves and contributes to bank tools, and methodologies to measure, monitor, and report risks based on established strategy.
- Applies advanced knowledge to use or produce analytical material for discussions with cross functional teams to understand bank business objectives and influence solution strategies.
- Serves as a key contributor in cross-functional teams in the bank to identify, assess, aggregate, and mitigate current and emerging bank risk events.
- Formulates stress test plans for bank including the evaluation of results and framing of contingency plans in partnership with key bank partners.
- Bachelor's degree in Risk Management, Business, Finance, or a related field.
- 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.
- 6 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting, or other related operational area.
- Or advanced degree/designation in Risk Management, Business, Finance, or other field relevant to risk management and 4 years of work experience in a field relevant to risk management.
- Risk management experience in a complex institution and/or highly matrixed environment.
- Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.
- Ability to effectively work with both internal and external partners
- Proven critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include proven ability to effectively make data-driven decisions.
- Proactively identifies potential concerns and follows-up to resolve issues.
- Advanced knowledge of Microsoft Office products including Excel and PowerPoint.
- Knowledge of federal regulation 12 CFR Part 30, including Appendices A and D and with federal supervisory mentorship, to include:
- OCC Documents: Large Bank Supervision Handbook; OCC Safety and Soundness Handbooks - Internal Controls, Corporate & Risk Governance, Retail Lending; and key OCC bulletins - Model Risk Governance, Model Risk Management, New Products and Services Risk Management, Third Party Risk Management, Technology Risk Management, Stress Testing, and Operational Risk
- Federal Reserve Documents: Consolidated Supervision Framework for Large Financial Institutions; Federal Reserve Board Bank Holding Company Supervision Manual
- FFIEC Manuals and Handbooks to include: Banking, General understanding of federal laws, rules, and regulations, to include: CRA; ECOA; FCRA; MLA; SCRA; Regulation DD; Regulation E; Regulation Z; BSA/AML; and UDAP/UDAAPLaws and Regulations for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory mentorship applicable to the organization and responsibilities of the role.
- Experience in Credit Card lending, including new origination and portfolio credit risk strategies, including Credit Line Increase, Credit Line Decrease, Authorizations, Over Limit, Balance Transfer, Reissue, Credit Bust-Out, Payment Risk.
- Ability to apply internal and external data and analytical skills to identify risks and opportunities
- Experience reviewing, analyzing, and interpreting data collected from multiple sources and use critical thinking skills to draw conclusions
- CRR and/or Audit experience in the financial industry
- Excellent verbal and written communication and social skills required with ability to present detailed and critical topics to management
- Proven track record to lead projects optimally with minimal direct supervision
- Knowledge of credit risk trends, combining quantitative and qualitative methods
-
Credit Card Clerk
3 days ago
VIP Staffing New Braunfels, United States Full timeWe are now hiring for a Credit Card Clerk for a company in New Braunfels, TX. This position is starting ASAP Please submit your resume to this posting and call our office at · Pay: $18/hr · Schedule: Monday-Friday 8:00 am-5:00 pm. · SUMMARY: Accepts payments made in person and/o ...
-
Credit Card Fraud Investigator
2 weeks ago
Strategic Staffing Solutions San Antonio, United StatesSTRATEGIC STAFFING SOLUTIONS HAS AN OPENING · This is a Contract Opportunity with our company that MUST be worked on a W2 Only. No C2C eligibility for this position. Visa Sponsorship is Available The details are below. · Job Title: Credit Card Fraud Investigator Location: San Ant ...
-
USAA San Antonio, United StatesWhy USAA? 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 nations military, but we all share in the mission to give back to those who did. Were working as on ...
-
Dispute Analyst
2 weeks ago
Pyramid Consulting, Inc San Antonio, United StatesImmediate need for a talented Dispute Analyst. This is a 12+ months Contract opportunity with long-term potential and is located in San Antonio, TX(Onsite). Please review the job description below and contact me ASAP if you are interested. · Job ID: · Pay Range: $22 - $25/hour. ...
-
Clerk III – Pro Card Coordinator
6 days ago
Texas Department of Aging & Disability Services San Antonio, United StatesJob Description: · Clerk III – Procurement Card Coordinator · Come work in an environment where we truly value and respect those we serve and believe in the mission that all people can achieve a higher level of wellness and independence. · The state supported living centers serve ...
-
Collections Specialist
4 days ago
Insight Global San Antonio, United StatesMust Haves: · 2 + years of Experience working in a Collections Call Center reconciling delinquent accounts · 2+ years of experience working within a high volume call center with both inbound & outbound calls · Excellent written and verbal communication skills and must be comforta ...
-
Collections Specialist
4 weeks ago
Insight Global San Antonio, United StatesPosition: Collection Agent · Pay Rate: $20/hr · Duration: 2-year contract · Must Haves: · 1+ year of experience of call center / customer support experience with college education, OR 2+ years of experience of call center experience with no education · Experience working in a C ...
-
Disputes Analyst
4 days ago
Apex Systems San Antonio, United StatesTitle: Jr Business Analyst (Non-IT) · Location: San Antonio, TX (Onsite-5 days) · Length: 12 months · Analyzes non-IT business problems and articulates requirements to support process improvement opportunities. Creates a framework for assessing financial payback. Identifies alte ...
-
Business Analyst
1 week ago
Strategic Staffing Solutions San Antonio, United States ContractSTRATEGIC STAFFING SOLUTIONS HAS AN OPENING · Strategic Staffing Solutions is currently looking for a Business Analyst for a contract opening with one of our largest clients · This is a Contract Opportunity with our company that MUST be worked on a W2 ONLY, NO visa sponsorship or ...
-
HVAC Sheet Metal Helper
2 weeks ago
Perpetual Labor Sourcing LLC San Antonio, United StatesWe are accepting applications for experienced HVAC sheet Metal helpers in Austin, Texas. · Employee Incentives: · Competitive Pay · Tele-Doc Services · Affordable MEC · Indemnity Health Options · $5000 Free Life Insurance · 401K · Discounted Credit Repair Services · Discounted Re ...
-
Night Auditor
1 week ago
Marriott International San Antonio, United States Full timeAdditional Information: This hotel is owned and operated by an independent franchisee, The Bricton Group. The franchisee is a separate company and a separate employer from Marriott International, Inc. The franchisee solely controls all aspects of the hotel's employment policies ...
-
Sales Associate
2 weeks ago
SAN ANTONIO PROFESSIONAL BEAUTY LLC San Antonio, United States Part timeArmstrong McCall Beauty Supply · Store Sales Associate · Open availability and flexibility preferred, Monday - Friday 8:15am-615pm, Saturdays 8:45am-1:30pm · Hiring for both Part Time and Full Time Postions · Full Time consists of 34-40 hours per work week, 5 days a week · Part T ...
-
Strategic Staffing Solutions San Antonio, United States ContractSTRATEGIC STAFFING SOLUTIONS HAS AN OPENING · Strategic Staffing Solutions is currently looking for a Business Analyst for a contract opening with one of our largest clients · This is a Contract Opportunity with our company that MUST be worked on a W2 ONLY, NO visa sponsors ...
-
Executive Assistant
2 weeks ago
IWC Energy Group | IWC Oil & Gas San Antonio, United StatesThe Executive Assistant at IWC Oil & Refinery will provide high-level administrative and clerical support to the Leadership Team, going above and beyond the typical scope of a standard EA role. The ideal candidate will become the right hand to our Executive Leaders, always preemp ...
-
Cashier/Floor Worker-IH 35 North
1 week ago
Texas Thrift San Antonio, United StatesReports to: Store Manager or Front End Supervisor · The purpose of this position is to create a sincere connection with our customers through polite and courteous service, while ensuring the appearance of the sales floor creates a desirable shopping experience. · Traits and Requi ...
-
Sushi Chef
1 week ago
Trapper's Sushi Co Dove Creek San Antonio, United StatesTrapper's Sushi is now looking for a Sushi Chef to join our growing team in our new San Antonio location As one of the Pacific Northwest's most desired dining establishments, our mission is to learn our customers names, as well as provide the best service and food possible, leavi ...
-
Cashier
5 days ago
Smokey Mo's BBQ San Antonio, United States Full timeMission: We serve great tasting BBQ in a friendly way that keeps 'em coming back. · Do you like meat? · Do you find yourself saying Hello to strangers on the street? · Have you always played well with others? · Have you ever been called "responsible"? · If you said yes to these q ...
-
Licensed Massage Therapist
1 week ago
Hand & Stone - Bear & Middletown Bear, United States Part timeJob Description: · A holistic approach to wellness. · Hand and Stone Massage and Facial Spa is a national franchise that specializes in massage, facials, and hair removal services. With over 500 locations across the US and Canada, the Hand & Stone brand is a leader in the member ...
-
St. PJ's Children's Home San Antonio, United States Full timeDescription · Parish Business Manager · Employment Status: Full-Time* · FLSA Status: Exempt (Salaried) · Schedule: Monday – Friday 9 am – 6pm, may vary/ 40 hours per week · Reports to: Pastor · *Full-Time Benefits · Paid Holidays/Holy Days · 403b Retirement · 401 (a) Pen ...
-
Program Manager
1 week ago
Imprint San Antonio, United StatesWho We Are · Imprint is building a next-generation co-branded credit card company to serve America's great brands. Today our partners include H-E-B, Central Market, Westgate Resorts, and Holiday Inn Club Vacations. Imprint is backed by Kleiner Perkins, Thrive Capital, and Affirm ...
Credit Risk Review Analyst Senior – Credit Card - San Antonio, United States - USAA
Description
The Opportunity
The Credit Risk Review (CRR) group is responsible for independently evaluating credit risks of exposures from both lending and non-lending activities to opine upon the effectiveness of first and second lines of defenses' credit risk management practices and credit quality in fulfillment of regulatory expectations for safety and soundness.
The Retail CRR Team drives the independent CRR Programs covering the retail credit risks in USAA Federal Savings Bank and USAA Savings Bank, which includes Auto, Credit Card, Deposits, Mortgage, Secured, and Unsecured credit risks.
The Credit Risk Review Analyst Senior will serve as a subject matter authority on the Retail CRR Team. In the industry, this role is commonly known as a Senior Credit Review Officer.
We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX; Plano, TX
What you'll do:
What you have:
What sets you apart:
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: $99,160 - $189,530 .
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.
Credit Risk Review Analyst Senior – Credit Card professionals in San Antonio
-
Jaime Contreras, MBA, CISM, CISA
IT Security Specialist
-
Ingrid Glueck-Maldonado
Chief Financial Officer