Fraud Examiners, Investigators and Analysts

What you can expect

We are seeking an Investigations and Risk Management (IRM) Analyst to join Zoom’s Trust & Safety (T&S) team. T&S plays a critical role in keeping the platform safe. We detect and investigating harmful behavior, address abuse reports, respond to global law enforcement requests, enforce export control regulations, and develop tools to prevent and mitigate abuse.

About the Team

The Investigations and Risk Management (IRM) team leads in-depth investigations and analytics to uncover abuse that occurs both on and beyond the Zoom platform. Collaborating with internal stakeholders and external organizations, IRM leverages advanced internal tools, data analysis, and engineering support to prioritize transparency, user safety, and platform integrity—all while upholding user privacy. We’re looking for an experienced analyst to strengthen IRM’s internal and external impact.

Responsibilities

+ Detecting and investigating suspicious or abusive behavior across the platform, including spam, account takeover (ATO), impersonation, and child safety concerns.

+ Identifying, monitoring, and mitigating abusive activities across the Zoom platform by researching and developing detection and prevention strategies.

+ Developing investigative processes and conduct deep-dive investigations into abuse trends and behavioral anomalies using mid-to-advanced OSINT techniques and internal tools.

+ Triaging, investigating, and resolving abuse reports in a queue-based environment, ensuring compliance with Zoom’s Terms of Service and Acceptable Use Guidelines.

+ Reviewing and assessing sensitive, confidential, or controversial content as part of enforcement workflows.

+ Collaborating with Engineering, Product, Support, and Data Science teams to identify platform vulnerabilities, analyze trends, and close enforcement gaps.

+ Producing internal reports, executive summaries, and data-driven presentations to inform leadership and support decision-making.

+ Serving as an escalation point for urgent or complex incidents, performing thorough root cause analyses and recommending corrective actions.

What we’re looking for

+ 5+ years of experience in Trust & Safety, abuse investigations, or a related field.

+ Prove ability to analyze complex data and recognize patterns of abuse or risk.

+ Demonstrate proficiency in SQL and comfort working with large, unstructured datasets.

+ Show communication, organizational, and project management skills, with experience reporting, presenting findings, and delivering feedback.

+ Demonstrate attention to detail, curious, and skilled at navigating ambiguity and troubleshooting complex issues.

+ Collaborate cross-functionally to improve tools, processes, and policies.

+ Demonstrate growth mindset with the ability to adapt in a fast-paced and evolving environment.

+ Require participation in a rotating on-call schedule for escalations during weekends and holidays.

Salary Range or On Target Earnings:

Minimum:

$65,400.00

Maximum:

$158,700.00

In addition to the base salary and/or OTE listed Zoom has a Total Direct Compensation philosophy that takes into consideration; base salary, bonus and equity value.

Note: Starting pay will be based on a number of factors and commensurate with qualifications & experience.

We also have a location based compensation structure; there may be a different range for candidates in this and other locations

At Zoom, we offer a window of at least 5 days for you to apply because we believe in giving you every opportunity. Below is the potential closing date, just in case you want to mark it on your calendar. We look forward to receiving your application!

Anticipated Position Close Date:

07/17/25

Ways of WorkingOur structured hybrid approach is centered around our offices and remote work environments. The work style of each role, Hybrid, Remote, or In-Person is indicated in the job description/posting.

BenefitsAs part of our award-winning workplace culture and commitment to delivering happiness, our benefits program offers a variety of perks, benefits, and options to help employees maintain their physical, mental, emotional, and financial health; support work-life balance; and contribute to their community in meaningful ways. Click Learn (https://careers.zoom.us/benefits) for more information.

About UsZoomies help people stay connected so they can get more done together. We set out to build the best collaboration platform for the enterprise, and today help people communicate better with products like Zoom Contact Center, Zoom Phone, Zoom Events, Zoom Apps, Zoom Rooms, and Zoom Webinars.We’re problem-solvers, working at a fast pace to design solutions with our customers and users in mind. Find room to grow with opportunities to stretch your skills and advance your career in a collaborative, growth-focused environment.

Our Commitment​

At Zoom, we believe great work happens when people feel supported and empowered. We’re committed to fair hiring practices that ensure every candidate is evaluated based on skills, experience, and potential. If you require an accommodation during the hiring process, let us know—we’re here to support you at every step.

If you need assistance navigating the interview process due to a medical disability, please submit an Accommodations Request Form (https://form.asana.com/?k=OIuqpO5Tv9XQTWp1bNYd8w&d=1127274756253361) and someone from our team will reach out soon. This form is solely for applicants who require an accommodation due to a qualifying medical disability. Non-accommodation-related requests, such as application follow-ups or technical issues, will not be addressed.

#LI-Remote

**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 Opportunity**

The Director of Fraud Transaction Data Science will lead the development and implementation of advanced analytical models to predict, detect, and mitigate fraud losses stemming from a wide range of banking transactions. This includes credit and debit card transactions, checks, deposits, and digital money movement activities such as wire transfers, ACH payments, and Zelle transactions for USAA Bank. This critical leadership role will lead all aspects of a team of approximately 16 data scientist and external contractors, providing technical guidance, mentorship, and strategic direction. The Director will be a key partner with fraud operations, technology, and business stakeholders to drive innovation and continuously improve fraud prevention capabilities. The key responsibilities of this leader will be to:

+ Develop and continuously update transaction models to mitigate fraud losses and negative member experience from fraud

+ Closely partner with Strategies team, Fraud Model Management and Model Users on model builds and priorities

+ Collaborate with Technology and other key stakeholders to deploy tools vital for model execution, and integrate new data sources for models to augment predictive power and improve business performance

+ Drive continuous innovation in modeling efforts including advanced techniques like Generative AI

+ Coach and mentor the team, establishing a culture of R&D and learning to augment the day-to-day aspects of the job

+ Support ad-hoc analytics requests from Financial Crimes leadership to investigate emerging threats, assess the impact of fraud events, and inform strategic decision-making

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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Acts as advanced analytics leader with vision and advisor to the business to craft strategies that drive competitiveness and differentiation.

+ Influences business, data, and technology leaders to invest, sustain and expand advanced analytical capabilities by actively participating in strategy, planning, and budgeting exercises.

+ Leads and develops team to build and deploy various advanced analytical solutions in an agile and collaborative environment across business, data, and technology organizations. Enables team’s success by simplifying processes across the model development lifecycle and driving automation.

+ Identifies, scopes, and manages sophisticated analytical projects in collaboration with business stakeholders, often translating results to non-technical business executives.

+ Champions and manages efforts to deliver business insights via scalable, automated solutions using machine learning, simulation, and optimization.

+ Responsible for ensuring all modeling and machine learning solutions adhere to industry standards, model risk policy, and regulatory expectations.

+ Partners with enterprise analytical and IT teams to build USAA core capabilities and processes.

+ Identifies additional resource needs ranging from IT investments, 3rd party support or additional analysts.

+ Builds and leads all aspects of a team of Data Scientists through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities.

+ 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 in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative field; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 8 years in predictive modeling, model governance, machine learning and large data analysis., OR Advanced Degree (e.g., Master’s, PhD) in Mathematics, Statistics, Data Science, Computer Science, or related quantitative STEM field (Science, Technology, Engineering and Math) field and 6 years in predictive modeling, model governance, machine learning and large data analysis.

+ 3 years of direct management experience.

+ Strong interpersonal skills; demonstrated ability to interpret and translate complex technical information to diverse audiences.

+ Experience with various languages, applications, and technologies (such as SQL, Python, R, Spark, Hadoop etc.) commonly associated with delivery of Data Science solutions.

+ Experience in developing and reviewing modeling solutions based on broad range of techniques – e.g., linear and logistic regressions, time series methods, survival analysis, support vector machines, neural networks, decision trees, random forests, gradient-boosting methods, deep learning, k-means and other clustering methods, simulation methods, or other advanced techniques.

+ Demonstrated ability to apply standard methodologies in modeling and machine learning techniques to solve business problems.

+ Demonstrated ability to write and review complex technical documentation, communicate modeling insights and technical details to business leaders, technical and non-technical audiences.

+ A strong track record of presenting results, insights, and technical solutions to Senior Executive Management (or equivalent).

+ Deep technical skills, consulting experience, and business savvy to collaborate with all levels and disciplines within the organization.

**What sets you apart:**

+ Advanced degree (Master's or Ph.D.) in a quantitative field such as Statistics, Mathematics, Computer Science, Economics, or a related discipline is highly preferred, or equivalent experience demonstrating strong quantitative and analytical skills

+ 10+ years of experience in data science or analytics, with a focus on fraud prevention or risk management

+ 5+ years of experience leading and managing a team of data scientists or analysts

+ Proven track record of developing and implementing successful machine learning models for fraud detection. Deep understanding of neural networks, ensemble learning, and Generative AI techniques is a plus

+ Strong programming skills in languages such as Python, R, or Java

+ Experience working with large datasets and distributed computing platforms (e.g.,Hadoop, Spark, Snowflake)

+ Excellent communication, presentation, organization and interpersonal skills

+ Deep understanding of banking operations and payment systems

+ US military experience through military service or a military spouse/domestic partner

**Compensation range:** The salary range for this position is: $189,370 - $340,860 **.**

**USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).**

**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._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**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 Opportunity**

As a dedicated Business Advisor Senior for Fraud Workforce Operations, you will advise stakeholders by providing business planning guidance to include research, analysis, planning and implementation of procedures and processes to improve business performance and results, while ensuring achievement of key business objectives. Develops and implements solutions to influence business decision makers for Bank Financial Crimes and potentially other line(s) of business. Develops standard processes for solving complex business challenges. Identifies opportunities to change, enhance, or streamline existing business processes. Identifies operational gaps within the supported groups to mitigate key risks associated with financial, reputational or member harm.

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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Identifies compliance and/or profit growth opportunities and provides guidance on procedure and process improvements to influence business optimization.

+ Leads teams and owns project management action plans, business rules analysis and development, product development and service delivery.

+ Collaborates with enterprise partners to facilitate the development of business rules, requirements and artifacts for business projects and initiatives, and responsible for required documentation of business decisions.

+ Responsible for monitoring risks within the internal control environment and advising on and recommending risk mitigation actions by collaborating with Compliance, Legal, Operational Risk Management, and Business Experience Owners.

+ Coordinates training, communications and related activities for new processes, product updates etc. where changes may be more complex and/or may have cross-functional impact.

+ May conduct root cause diagnostics of key processes, controls, regulatory requirements to identify and document these issues

+ Monitors, develop and communicate audit testing, control testing and examination requests.

+ Assists with development and management of operational reporting and provides trend analyses and solutions.

+ 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 experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 6 years of project management, process consulting, or business optimization planning experience within the financial services industry.

+ Advanced knowledge of relevant industry technology applications, such as Salesforce, SharePoint, Portal, CRM, CBS, Fiserve, KDIM, Fideility, Metric Stream or other industry related applications.

+ Experience developing solutions and recommendations that will increase efficiency and improve business decisions, including managing performance and profitability, in adherence to risk and compliance guidelines.

+ Knowledgeable in the applications of Agile process and procedures.

+ Knowledge and application of risk management frameworks and regulatory requirements for applicable LOB.

+ Demonstrated experience in developing communications and delivering key information effectively to stakeholders and all levels of management to influence decisions centered around business optimization.

+ Advanced knowledge of Microsoft Office.

**What sets you apart:**

+ US military experience through military service or a military spouse/domestic partner

+ 2+ years of experience in Fraud Operations.

+ Proven experience conducting analytical comparisons across multiple data sources.

+ Experience using data to develop visualizations within PPT, Excel, Tableau or other BI solutions, and/or SharePoint to present to executive leadership.

+ The ability to earn trust through actions and communications to enable senior leaders to understand and act upon recommendations.

+ Prior workforce management experience in a Financial Institution at the scale of Bank Financial Crimes.

+ Successful experience working with vendors and overseas partners.

+ Excellent quantitative skills.

**Compensation range:** The salary range for this position is: $85,040 - $153,080 **.**

**USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).**

**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._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**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 Opportunity**

As a dedicated **Fraud Strategy & Analytics Analyst II** , you will provide decision support for business areas across the enterprise. Staff in this area will be responsible for applying mathematical and statistical techniques and/or innovative /quantitative analytical approaches to draw conclusions and make 'insight to action' recommendations to answer business objectives and inspire change. The essence of work performed by the Fraud Strategy & Analytics Analyst II involves gathering, manipulating, and synthesizing data (e.g., attributes, transactions, behaviors, etc.), models and other relevant information to draw conclusions and make recommendations resulting in implementable strategies.

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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Individual contributor in a specialized team within Financial Crimes.

+ Leverages understanding within Financial Crimes space and is able to solution independently while still aligning strategic business direction.

+ Able to assist with analyses or business strategy using innovative/quantitative analytical approaches.

+ Has domain knowledge of Financial Crimes and can utilize that background for rule development.

+ Demonstrates intermediate business, analytical and technical knowledge to participate in discussions with cross functional teams to understand and collaborate on business objectives and influence solution strategies.

+ Applies advanced analytical techniques to solve business problems that are typically medium to large scale with impact to current and/or future business strategy.

+ Applies scientific/quantitative analytical approaches to draw conclusions and make 'insight to action' recommendations to answer the business objective and drive the appropriate change.

+ Translates recommendation into communication materials to effectively present to colleagues for peer review and senior/lead analysts.

+ Incorporates visualization techniques to support the relevant points of the analysis and ease the understanding for less technical audiences.

+ Supports identifying and gathering the relevant and quality data sources required to fully answer and address the problem for the recommended strategy through testing or exploratory data analysis (EDA).

+ Thoroughly documents assumptions, methodology, validation and testing to facilitate peer reviews and compliance requirements.

+ Adopts emerging technology that can affect the application of scientific methodologies and/or quantitative analytical approaches to problem resolutions.

+ Delivers analysis/findings in a manner that conveys understanding, influences up to mid-level management, garners support for recommendations, drives business decisions, and influences business strategy.

+ 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 in quantitative analytics field such as Economics, Finance, Statistics, Mathematics, Actuarial Sciences, Operations Research, Data and/or Business Analysis, Data Science, or other quantitative discipline; OR 4 years of related experience in statistics, mathematics, or quantitative analytics (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 2 years of experience in data/analytics or functional business experience within the respective industry of responsibility (i.e., P&C, Bank, Finance)

+ OR

+ Advanced degree in quantitative analytics field such as Economics, Finance, Statistics, Mathematics, Actuarial Sciences, Operations Research, Data and/or Business Analysis, Data Science, or other quantitative discipline.

+ Demonstrates intermediate knowledge of mathematical and statistical techniques and approaches used to drive fact-based decision-making.

+ Intermediate 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 & methods and ability to connect external insights to business problems.

**What sets you apart:**

+ 2+ years directly working on a fraud analytics team with responsibility for fraud losses.

+ Knowledge in at least one product area with first-hand experience building strategies to prevent fraud within that product utilizing the supporting tools.

+ Experienced in multiple coding languages i.e.: SQL/ SAS/ Python and versed in the use of visualization tools i.e.: Tableau.

+ Problem solver whose developed strategies and rules independently solving unique fraud attacks in inventive ways.

+ Experience developing fraud related reporting and can interpret existing reports to maintain fraud losses and identify variance from historical norms to target on-going or future attacks.

+ Bachelor's or Master's in a quantitative discipline.

+ Strong analytical and critical thinking skills and a basic understanding of statistics.

+ Strong communication skills, attention to detail and passion for excellence.

+ US military experience through military service or a military spouse/domestic partner.

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: $77,120 - $147,390 **.**

**USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).**

**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._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**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 Opportunity**

The **Fraud Intelligence Analyst, Senior** is a member of the **Fraud Intelligence Team** within the **Bank Fraud Prevention** organization, reporting directly to the Director, Fraud Intelligence. This role focuses on leveraging fraud knowledge to conduct data-driven analyses, with an emphasis on identifying fraud risks based on inbound intelligence. They will partner with members of the Intelligence Collection & Dissemination team to complete cases and mitigate identified risks. The analyst is also responsible for conducting in-depth analyses, contributing to the development of data resources, and enhancing the team's overall intelligence capabilities.

**Key Responsibilities:**

+ **Data Extraction & Analysis** : Extract and analyze various types of relevant data including applications, transactions, non-monetary events, and digital logs to support team case reviews.

+ **Pattern Identification** : Investigate available data sources to identify patterns, anomalies, and other indicators of fraud.

+ **Data Source Development** : Partner with internal stakeholders to identify new and updated sources of data based on the team’s needs.

+ **Query Development & Maintenance** : Develop and maintain queries for use by the broader team, ensuring high-quality outputs free from missing values, formatting issues, etc.

+ 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).

+ 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.

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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.

Relocation assistance is **not** available for this position.

**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 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, data analysis and/or AML.

+ 4 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes, or policies.

+ Proven knowledge of relevant laws, regulatory, compliance, industry regulations and regulatory data sources.

+ 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:**

+ Experience using Snowflake, SQL, SAS, and other RDBMS tools to query and analyze data.

+ Experience with data visualization tools (e.g., Tableau, Power BI) to create compelling and informative dashboards and reports.

+ 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.

+ 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.

+ US military experience through military service or a military spouse/domestic partner

**Compensation range:** The salary range for this position is: $93,770 - $168,790 **.**

**USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).**

**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._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**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 Opportunity**

The **Fraud Intelligence Analyst, Senior** is a member of the **Fraud Intelligence Team** within the **Bank Fraud Prevention** organization. This role reports directly to the Director, Fraud Intelligence. The team is responsible for the intake, triage, and enrichment of fraud intelligence from various sources, managing key vendor relationships, and driving the full lifecycle of intelligence cases to protect USAA and its members from fraud. We demonstrate 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:**

+ **Intelligence Triage & Casing:** Triage, prioritize, and case all-source fraud intelligence (both internal and external) based on severity, impact, and relevance to USAA. Partner with Intelligence Analysis team to enrich cases with internal data and open-source research.

+ **Vendor Relationship Management:** Manage relationships with key intelligence vendors, including regular performance reviews, contract compliance, and identifying opportunities for improved service and value.

+ **Intelligence Collection & Gap Analysis:** Proactively identify gaps in USAA's intelligence coverage and collection capabilities. Research and evaluate new intelligence sources, tools, and vendors to enhance the team's ability to detect and prevent fraud.

+ **Case Lifecycle Management:** Manage the end-to-end lifecycle of intelligence cases, from initial intake and analysis to dissemination of actionable intelligence and tracking of mitigation efforts.

+ 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.

+ Grow the team’s network of internal and external contacts to support intelligence sharing and fraud risk mitigation.

This role is remote eligible, however, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

**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.

+ Applies 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 mentorship to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure accurate 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 implements training plans tied to fraud risk management through understanding of regulatory and industry trends.

+ Ensures risks associated with business activities are effectively identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures

**What you have:**

+ Bachelor’s degree; OR 4 years of related 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.

+ Proven knowledge of relevant laws, regulatory, compliance, industry regulations and regulatory data sources.

+ 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:**

+ US military experience through military service or a military spouse/domestic partner

+ · Advanced knowledge of the financial services industry, fraud threat landscape, fraud prevention concepts, anti-money laundering, and/or cybersecurity concepts.

+ Experience managing vendor relationships, including contract negotiation and performance monitoring.

+ 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.

+ Working knowledge of Snowflake, SQL, SAS, and other RDBMS tools for the purposes of querying and analyzing data.

+ 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.

+ 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.

**Compensation range:** The salary range for this position is: $93,770 - $168,790 **.**

**USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).**

**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._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**About the Role**

Uber is a technology company that is changing the way the world thinks about transportation. Whether it's heading home from work, getting a meal delivered from a favorite restaurant, or a way to earn extra income, Uber is becoming part of the fabric of daily life. We're making cities safer, smarter, and more connected.

As **Senior Manager, Special Investigations and Insurance Fraud** , you will be a pivotal player in shaping and optimizing Uber's insurance fraud strategy through data-driven insights. You and your team will be key members of the growing **US&C Claims** team, operating as a senior manager and reporting to the **Director, Claims Services** . Your expertise will be crucial in leading efforts around Carriers, Major case investigation, fraud operations team.

While a background in Special Investigations is important, this role also emphasizes strong analytical skills and the ability to leverage data to drive strategic decisions. We're looking for a highly influential and proactive leader who is detail-oriented, moves with pace, and is capable of driving significant change to reduce the cost of insurance through identifying fraud, and taking action to eliminate or mitigate the impact thus continuing to keep Safety First. The ideal candidate has a strong understanding of the role of claims and fraud investigations within the insurance ecosystem, proven experience in developing and utilizing claims reporting and analytics, and is ready to "go get it." This role requires someone who can shape strategy, think big, and understand detail (#SeeTheForestAndTheTrees), all while operating with a high level of autonomy.

Uber embraces a hybrid work model, where employees are in office three days a week. This approach promotes a balanced and productive work environment that accommodates both individual preferences and organizational needs.

What You'll Do

+ **SIU/Fraud Partnerships:** Serve as the primary point of contact for all external claims SIU partners - Carrier SIU teams, industry groups such as NICB and the Coalition Against Insurance Fraud, and various law enforcement agencies.

+ **Major Case Investigations:** Drive claims outcomes on major case investigations, including EUO and litigation support. Leverage claims expertise and advanced analytical capabilities to identify complex relationships and fraud schemes. Utilize data visualization tools to effectively communicate complex data findings.

+ **Operational Performance and Collaboration:** Develop, implement, and monitor operational health metrics and key performance indicators (KPIs) in collaboration with internal investigations and carrier partner SIU teams. Provide regular updates to key stakeholders, highlighting trends and areas for improvement. Provide expert consultation to external insurance partners on data and reporting best practices, and collaborate on data-driven performance improvement initiatives. Provide data-driven input into the design, documentation, and deployment of SIU processes, ensuring alignment with the various stakeholders.

+ **Fraud Operations:** Manage the fraud operations team responsible for responding to carrier partner SIU inquiries, drive investigation and outcomes on non-major case issues including account review and actioning.

Basic Qualifications

+ 8+ years of experience in the insurance industry (carrier, broker, MGU, TPA, etc.) with a focus on claims, claims operations, claims analytics, insurance data strategy, or actuarial roles.

Preferred Qualifications

+ 5+ years experience leading claims or fraud teams

+ Experience managing complex investigations and supporting various forms of fraud related litigation.

+ **Analytical and Data Strategy Expertise:** Deep familiarity with designing, developing, and utilizing claims-related data, reporting, and analytics; proven experience in developing and implementing fraud strategies, including tool selection and vendor management; able to understand and interpret complex metrics and KPIs.

+ **Influence, Communication, and Collaboration:** Exceptional ability to influence stakeholders at all levels, build strong relationships with internal and external partners, and adapt presentations and messaging to different levels of audience, from individual contributors to senior executive leaders.

+ **Strategic Thinking and Execution:** Proven ability to shape strategy, think big, and understand detail, demonstrating a balance of strategic vision and tactical execution; strong attention to detail while maintaining a fast pace to deliver high-quality results efficiently; highly independent and proactive, with a strong understanding of industry trends and a passion for leveraging data to drive change.

+ **Change Management Expertise:** Significant experience driving major change across large, complex organizations.

For Chicago, IL-based roles: The base salary range for this role is USD$162,000 per year - USD$180,000 per year. For New York, NY-based roles: The base salary range for this role is USD$180,000 per year - USD$200,000 per year. For Phoenix, AZ-based roles: The base salary range for this role is USD$144,000 per year - USD$160,000 per year. For San Francisco, CA-based roles: The base salary range for this role is USD$180,000 per year - USD$200,000 per year. For all US locations, you will be eligible to participate in Uber's bonus program, and may be offered an equity award & other types of comp. You will also be eligible for various benefits. More details can be found at the following link https://www.uber.com/careers/benefits.

Uber is proud to be an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know by completing this form- https://docs.google.com/forms/d/e/1FAIpQLSdb_Y9Bv8-lWDMbpidF2GKXsxzNh11wUUVS7fM1znOfEJsVeA/viewform

**About this role:**

Wells Fargo is seeking a Sr. Lead Digital Product Manager to join the Wires and Me2me Product Management and Development team, part of the CSBB Payments Group. This role reporting directly to the Head of Wires and Me2me Product Management will be responsible for the overall successful management of Fraud and Scams across Wires, Inter-bank Transfers, and Mobile Deposit. This leader will be responsible for working with Fraud Claims Management and channel partners to set the business Fraud and Scam OKRS (Objectives and Key Results), balancing that risk with customer expectations to continually drive for the best possible balance of risk and customer experience in a challenging and dynamic environment. Additional responsibilities include working with vendors, risk partners (e.g. Compliance, Operational) and ensuring the alignment of work to the broader CSBB and CSBB Payments strategies.

**In this role, you will:**

+ Own, define, and drive the Wires and Me2Me fraud and scams roadmap

+ Manage engagement with key internal stakeholders across the organization including Technology, Digital, Operations Independent Risk Management, and Legal

+ Analyze customer and external data to identify root cause/opportunity, develop solutions based on data, and measure results after implementation

+ Partner closely with Deposits, Digital, and Fraud teams to balance customer experience, business growth, and fraud risk management objectives

+ Ensure compliance with applicable internal policies and regulations

+ Collaborate with and influence stakeholders at various level across the organization from junior individuals to senior leaders and their directs

+ Develop and define business requirements for technical and functional efforts focused on the mitigation of Fraud and Scam risks

+ Conduct value-based analysis to optimize revenue, positive customer experiences, while reducing opportunities for fraud and scam loss

+ Partner with Fraud and Claims management to continually evolve and improve existing processes, mitigations, and best practices

+ Work with industry partners and vendors to continually shape the direction of the industry and maintain Wells Fargo’s position as a thought leader in the space of Payments Fraud and Scam mitigation

**Required Qualifications:**

+ 7+ years of digital product management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Background and experience with Wire Transfers, digital Account Funding, Transfers (e.g. ACH, Instant), Mobile Deposit

+ Strong understanding of compliance requirements related to payment products (e.g. Reg-E, UDAP)

+ Experience with understanding fraud and scam trends and developing strategies to mitigate loss and customer impact

+ Financial services experience specifically in retail banking.

+ Expert verbal, written and presentation skills; must be able to effectively communicate and broker agreements amongst diverse, differing, competing, and/or conflicting perspectives/priorities

+ Strong Analytical skills with high attention to detail and accuracy

+ Ability to effectively communicate, create and deliver dynamic presentations to all levels of the organization

+ Ability to create clear and compelling presentations with exceptional strategic "storytelling" skills.

+ Exceptional organization, coordination, and time management skills

+ High degree of comfort with data, analysis, metrics, and financials to identify opportunities or understand problems.

**Job Expectations:**

+ Willingness to work on-site at stated location on the job opening

+ This position offers a hybrid work schedule

+ Ability to travel up to 25% of time

**Locations:**

+ 2700 and 2800 South Price Road, Chandler, Arizona

+ 1755 Grant St, Concord, California

+ 333 Market Street, San Francisco, California

+ 550 S 4th St, Minneapolis, Minnesota

+ 401 S Tryon St, Charlotte, North Carolina

+ 250 E John Carpenter Freeway, Irving, Texas

Required locations listed above.

**Salary Range:**

California: $120,400-$287,600 annually

Minnesota: $114,300- $262,600 annually

Actual salary is determined by location, experience and qualifications of the job.

This position is not eligible for Visa sponsorship.

Please note: Job posting may come down early due to volume of applicants

**Pay Range**

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$120,400.00 - $287,600.00

**Benefits**

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.

+ Health benefits

+ 401(k) Plan

+ Paid time off

+ Disability benefits

+ Life insurance, critical illness insurance, and accident insurance

+ Parental leave

+ Critical caregiving leave

+ Discounts and savings

+ Commuter benefits

+ Tuition reimbursement

+ Scholarships for dependent children

+ Adoption reimbursement

**Posting End Date:**

13 Jul 2025

***** **_Job posting may come down early due to volume of applicants._**

**We Value Equal Opportunity**

Wells Fargo 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, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-471783

**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 Opportunity**

We are seeking a talented Director, Bank Claims Investigations and Recovery. In this role, you will lead teams responsible for protecting the financial interests of USAA and our members by thoroughly investigating and resolving complex and moderately complex fraud and non-fraud transactional claims filed by members on their credit cards, debit cards and deposit accounts in compliance with federal and state Laws, Rules, and Regulations (LRRs). Attempts to recover funds in accordance with payment association rules (Visa, Amex, NACHA, Zelle, etc.). Operates in a highly regulated environment where performance is measured by quality and productivity metrics aligned to business scorecards. Fosters collaboration and leads Disputes employees and teams to achieve a shared member service vision. Organizes and leads the execution of Disputes operational and strategic business plans.

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 the following locations: San Antonio, TX, Phoenix, AZ, Tampa, FL, Colorado Springs, CO, Charlotte, NC, Plano, TX or Chesapeake, VA.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Provides oversight for the end-to-end process of bank disputes and resolutions.

+ Ensures bank dispute operations is efficiently utilizing allocated resources and effective in terms of meeting member, organizational and regulatory requirements.

+ Maintains knowledge of relevant regulatory environment to ensure compliance across areas of responsibility, and identifies, develops, and recommends improvements to Disputes Fraud and Non-Fraud processes and service delivery across all channels.

+ Leads functional projects, programs, and initiatives through successful execution and implementation.

+ Responsible for oversight of budgets and forecasts based upon the approved operational plan and vision.

+ Directs department resources across all units to achieve service and relationship goals, to include internal employees, contractors and offshore third-party vendors.

+ Ensures controls are completed in adherence to guidelines and timelines; may own or assist with the mitigation and closure of internal Issues.

+ Interacts with and responds on a regular basis to both internal and external audit and regulatory examination teams.

+ Builds and manages a high performing team through hiring activities, mentoring, training, coaching, and development of direct reports.

+ 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 experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 8 years of related experience in bank operations to include program/project management, process improvement, or business analysis.

+ 4 years of operational risk experience in a highly regulatory environment.

+ 3 years direct team lead or management experience providing coaching, development and/or leadership in a team-oriented environment.

+ 3 years of experience working with Federal Regulations as it relates to Fraud and Disputes, specifically knowledge of Regulation E, Regulation Z and/or UDAAP.

+ Strong leadership, motivational, and interpersonal skills.

+ Advanced experience handling customer complaints and disputes related to Deposit or Credit Card accounts.

+ Comprehensive understanding of end-to-end process for Fraud and Non-Fraud Credit Card, Debit Card and Deposit transactional disputes.

**What sets you apart:**

+ Experience leading Regulation E fraud and non-fraud investigation teams, consistently exceeding performance targets.

+ Subject matter expert in NACHA, Zelle and Visa network rules, with a proven ability to optimize recoveries.

+ Experience optimizing controls and exception functions within fraud and non-fraud claims environment.

+ Proven ability to effectively presented recommendations, and strategic insights to senior leadership.

+ Ability to apply critical thinking to analyze and improve claims operations.

+ U.S. military experience through military service or a military spouse/domestic partner.

**Compensation range:** The salary range for this position is: $103,450 - $197,730.

**USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).**

**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._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

Looking for a motivated, self-starter, with experience in reviewing wire activity, specifically for sanctions compliance.

+ Able to adapt to changes to operational and compliance protocols quickly, while maintaining a professional and team atmosphere.

+ Able to follow instructions as provided with accuracy and quality.

+ Able to work independently with multiple priority levels and deadlines.

+ Able to make decisive decisions and articulate rationale clearly and concisely.

+ Able to decern sanctions risk and escalate appropriately.

+ Able to multitask additional tasks as assigned.

Conducts investigations to identify, assess, decision and report on activity that indicates an exposure to financial crimes. Ensures potential threats and investigations are evaluated, documented, managed and escalated by following standard operating procedures. Provides subject matter expertise and oversight of criminal risk by following a disciplined and intelligence-based approach to detection and research of activities and events in alignment with criminal risk frameworks and standards to ensure compliance as well as support trending, analysis and insights generation.

+ Develops solutions and makes recommendations based on an understanding of business strategy and stakeholder needs.

+ Provides advice and guidance to assigned business/group on implementation of solutions.

+ Helps determine business priorities and best sequence for execution of business/group strategy.

+ Conducts independent analysis and assessment to resolve strategic issues.

+ Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.

+ Builds effective relationships with internal/external stakeholders (e.g. law enforcement agencies and other Financial Institutions to collaborate in investigations).

+ Ensures alignment between stakeholders.

+ Integrates information from multiple sources to enable more efficient processes, enhanced analysis and/or streamlined reporting.

+ Identifies business needs, provides content/develops tools and training programs; may include delivery of training to audiences.

+ Analyzes and assesses incidents or cases that may be complex and require knowledge on several different product lines.

+ Prepares reports, notifications and activity/case filings per guidelines and standards.

+ Supports the planning and implementation of programs designed to minimize risk exposures and maximize the efficiency and effectiveness of the analytical processes.

+ Provides input and develops recommendations for process and customer service improvements.

+ Stays abreast of financial crimes risk trends, relevant regulations and compliance standards.

+ Monitors and analyzes various information provided through detection systems, tools, reports, or manually to evaluate, investigate and determine required actions.

+ Supports the collection of evidence and information to be used for multiple purposes including incident reports/filings, loss prevention, litigation and criminal prosecution, management information and statistics, and process improvements.

+ Documents actions and information found throughout the investigation to develop and maintain account/case files.

+ Develops and maintains an understanding of the financial crime management processes, frameworks and techniques.

+ Gathers and formats data into regular and ad-hoc reports, and dashboards.

+ Analyzes data and information to provide insights and recommendations.

+ Executes routine tasks such as service requests, transactions, queries etc. within relevant service level agreements.

+ Provides notification, information and instructions to internal/external stakeholders related to incidents as necessary.

+ Focus may be on a business/group.

+ Thinks creatively and proposes new solutions.

+ Exercises judgment to identify, diagnose, and solve problems within given rules.

+ Works mostly independently.

+ Broader work or accountabilities may be assigned as needed. **Qualifications:**

+ Typically, between 3-5 years of relevant experience and a post-secondary degree in related field of study or an equivalent combination of education and experience.

+ Knowledge of risk and regulatory requirements as they apply to financial crimes is an asset.

+ Knowledge of banking products, services, processes, and organization is an asset.

+ Specialized knowledge from education and/or business experience.

+ Verbal & written communication skills - In-depth.

+ Collaboration & team skills - In-depth.

+ Analytical and problem solving skills - In-depth.

+ Influence skills - In-depth.

**Salary:**

$41,714.00 - $77,500.00

**Pay Type:**

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

**About Us**

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/us/en

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.

BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.