Credit Analysts

Microsoft Cloud Operations and Innovation (CO+I) is the team behind the cloud. Within CO+I, the Global Project Controls (GPC) team is responsible for delivering core datacenter infrastructure for Microsoft’s cloud business. The MS portfolio consists of complex, multi-disciplinary, large scale, multi-year datacenter construction and lease projects. We are looking for passionate, high-energy individuals to help build the cloud datacenters that power the world’s largest online services.

The **AMERS Sub Regional Risk Analyst** will be responsible for overseeing and managing the sub regional risk profile associated with the Engineering, Procurement and Construction (EPC) portfolio within the Global Project Controls (GPC) functional group. This role involves implementing risk management procedure, conducting project risk assessment, cost and schedule risk analysis, monitoring and reporting on programme risk performance. This role requires close collaboration with a diverse group of stakeholders including engineers, construction project managers, procurement teams, planners, estimators, cost analysts, and contractors to ensure effective risk management throughout the project lifecycle.

The ideal candidate will possess a deep understanding of construction project risk management and thrive in a blended corporate and construction team environment.

**This role is located either in one or all hub locations: Atlanta, GA, Phoenix, AZ, Redmond, WA, San Antonio, TX, or Washington, DC.** Relocation support will be provided, and successful candidates must ​relocate or reside within 50 miles of the hub office location. This role is eligible for hybrid or remote work, up to 100%.

Microsoft’s mission is to empower every person and every organization on the planet to achieve more. As employees we come together with a growth mindset, innovate to empower others and collaborate to realize our shared goals. Each day we build on our values of respect, integrity, and accountability to create a culture of inclusion where everyone can thrive at work and beyond.

**Responsibilities**

**Coordination**

+ Attends and advises during scheduled owner/architect/contractor and other project meetings.

+ Lead risk planning activities for projects, including scheduling and coordinating workshops with stakeholders and develop appropriate risk treatment plans

+ Contributes to fostering a knowledge sharing culture by actively participating in the risk knowledge networks and collaborative forums.

+ Assists in the review of risk governance to ensure a particular risk area is receiving the appropriate amount of attention with minimal guidance. Identifies and escalates any concerns of related to risks being monitored.

**Technical Acumen**

+ Analyze project schedules, costs, and engineering documentation to identify potential risks and gaps.

+ Knowledge of statistical methods (e.g., probability distributions, correlation analysis) for assessing uncertainty in cost and schedule forecasts.

+ Application of Monte Carlo simulations to predict project outcomes under uncertainty.

+ Ability to integrate cost and schedule data to perform risk modelling and identify potential impacts on project baselines.

+ Use technical insights to identify causes of risks and recommend solutions to project teams

**Change Management**

+ Promote a culture of risk management and governance by educating teams on new processes and driving adherence.

+ Collaborate with stakeholders to streamline processes, improve efficiencies, and ensure alignment with organizational goals.

**Risk Assessment, Treatment and Control**

+ Execute the risk management lifecycle, including data collection, analytics, and workshop facilitation, to identify and evaluate project risks.

+ Maintain and update the risk register, ensuring risks, mitigation actions, and trigger events are accurately documented and regularly reviewed.

+ Develop and implement mitigation plans in collaboration with stakeholders, ensuring accountability and progress tracking.

+ Periodically re-evaluate risks and opportunities to assess relevance, priority, and the effectiveness of treatment plans.

**Risk Governance and Compliance**

+ Present risk assessment findings to stakeholders, ensuring awareness, gaining approval, and driving informed decision-making.

+ Collaborate with accountability owners to ensure alignment on mitigation plans and track their execution.

+ Partner with internal teams to communicate updated risk processes, enhancing adherence to governance standards.

**Data Analytics and Risk Insights**

+ Gather and analyze datasets to support risk modeling, ensuring the availability of accurate and relevant data.

+ Build and sustain analytical models to provide insights into risk prioritization, root causes, and mitigation strategies.

+ Integrate quantitative risk analysis results into portfolio-level reporting for visibility across projects and regions.

**Issue Management**

+ Identify and prioritize issues in collaboration with cross-functional teams to develop and implement resolution / recovery plans, ensuring alignment with timelines and project goals.

+ Proactive communication with stakeholders, escalation of critical issues, and continuous improvement through lessons learned and process enhancements to prevent and mitigate project disruptions effectively.

**Vendor Management**

+ Assists with the monitoring of vendor and/or contractor performance, ensuring compliance with process and reporting

+ Review vendor performance relative to risk, cost and schedule models (with cost and schedule management team) and clarifies those reports in presentations to the delivery and executive teams.

**Qualifications**

**Required Qualifications:**

+ Bachelor's Degree AND 4+ years experience in Risk Management, Engineering, Project Management, Consulting, or Business Analysis in the oil and gas, mining, public infrastructure, nuclear, or energy industries

+ OR 6+ years experience in Risk Management, Engineering, Project Management, Consulting, or Business Analysis in oil and gas, mining, public infrastructure, nuclear, or energy industries

+ OR equivalent experience

+ Experience with tools such as Safran, Omega Risk/ 365, @RISK, Primavera Risk Analysis (PRA), Acumen for risk simulation tools, or similar platforms for quantitative risk analysis

+ Working experience of quantitative models of cost and schedule

+ Experience overseeing the risk management programs of concurrent multiple projects

**Other Requirements:**

+ Ability to meet Microsoft, customer and/or government security screening requirements are required for this role. These requirements include but are not limited to the following specialized security screenings: Microsoft Cloud Background Check: This position will be required to pass the Microsoft Cloud background check upon hire/transfer and every two years thereafter.

**Preferred Qualifications:**

+ Membership with a relevant risk domain area association including: Project Management Institute (PMP, RMP); American Association Cost Engineers (PRMP, DRMP), RICS full membership (MRICS or FRICS) or equivalent

Risk Management IC4 - The typical base pay range for this role across the U.S. is USD $94,600 - $183,800 per year. There is a different range applicable to specific work locations, within the San Francisco Bay area and New York City metropolitan area, and the base pay range for this role in those locations is USD $122,000 - $200,500 per year.

Certain roles may be eligible for benefits and other compensation. Find additional benefits and pay information here: https://careers.microsoft.com/us/en/us-corporate-pay

Microsoft will accept applications and processes offers for these roles on an ongoing basis.

\#COIcareers

\#EPCcareers

\#GPCcareers

Microsoft is an equal opportunity employer. Consistent with applicable law, all qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity or expression, genetic information, immigration status, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application process, read more about requesting accommodations (https://careers.microsoft.com/v2/global/en/accessibility.html) .

Join us on our mission to create a completely new, 100% digital bank that truly serves customers' best interests. We are a close-knit and fun-loving team of seasoned financial services professionals who came together for the challenge of building a bank from scratch - and we are committed to doing it all the right way (from technology infrastructure to modern marketing to customer experience).

The anticipated salary range for this role is between $144,000.00 and $180,000.00. The specific salary offered to an applicant will be based on their individual qualifications, experiences, and an analysis of the current compensation paid in their geography and the market for similar roles at the time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC offers a competitive portfolio of benefits to its employees.

We work with the flexibility and speed of a start-up. But we also have significant stability and capital from being part of the SMBC Group (Sumitomo Mitsui Banking Corporation). SMBC is the second largest bank in Japan and the 12th largest bank in the world with operations in over forty countries. And SMBC is committed to disrupting the US marketplace with ground-breaking products.

It is the best of both worlds, and we are seeking proven marketing leaders to propel us towards a national launch. We have both the ambitious growth plans and the 'patient capital' necessary to execute a multi-year plan. Join us on the journey to deliver an exciting concept of evolved banking.

**SUMMARY:**

The Credit Risk Analyst will be responsible for supporting the development and management of the Credit Risk Strategies for the Credit Card product. Under the supervision of the Credit Risk Manager, the Risk Analyst will assist in building, managing, and implementing credit strategies – including onboarding, verification, pricing, and credit assignment, as well as test strategies across various marketing channels and credit purposes. The Credit Risk Analyst will work closely with cross-functional partners across Marketing, Product, Technology, and Operations to shape and contribute to growth initiatives. In addition, the Risk Analyst will assist with ensuring internal controls documentation is maintained completely and accurately. The Risk Analyst must use domain knowledge and data-driven recommendations to drive risk-controlled growth for the organization.

**PRINCIPAL DUTIES & RESPONSIBILITIES:**

+ Develop data-driven credit underwriting strategies using a variety of traditional and alternate data sources.

+ Manage credit strategy enhancements within the area of responsibility and make compelling recommendations based on sound credit risk management principles, cost-benefit analysis, and customer experience.

+ Develop policy and procedures for credit strategy execution, including monitoring and controls to ensure intended execution of credit strategies.

+ Partner with Marketing, Product, Operations, and Technology teams to ensure smooth execution and all key control requirements are met.

+ Develop credit strategies to support partner initiatives, including changes to product strategy, marketing channels, and partnership opportunities.

+ Partner with the data science team to explore new approaches, tools, and data sources to support improvements to credit strategies.

+ Develop necessary monitoring and analytical reports to track credit risk KRIs and present insights to senior management.

+ Develop a robust testing agenda to optimize and expand the business.

+ Ensure robust loss forecasting and that all credit strategy work aligns with the firm's credit risk appetite.

+ Ensure compliance with policies and requirements for all assigned responsibilities.

**POSITION SPECIFICIATIONS:**

+ Bachelor’s degree or equivalent in quantitative fields.

+ 7-10 years of prior experience in consumer credit risk or similar quantitative role, preferably in credit card lending.

+ Proficient in Python, SQL, R for extracting data from large datasets and statistical analyses.

+ Advanced skills in Microsoft Office, specifically Excel, PowerPoint, and Word.

+ Experience with BI tools (e.g., Tableau, Looker) for report development.

+ Knowledge of credit bureau data, risk models, and free cash flow calculations.

+ Excellent analytical and problem-solving skills and ability to make sound and rational decisions with limited supervision.

+ Exceptional verbal and written communication skills, ability to communicate effectively with senior leaders.

+ Team player, serve as subject matter expert and provide guidance to peers within business units.

+ Experience with credit card products is required.

**EOE STATEMENT**

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.

**CCPA DISCLOSURE**

Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.

Bring your heart to CVS Health. Every one of us at CVS Health shares a single, clear purpose: Bringing our heart to every moment of your health. This purpose guides our commitment to deliver enhanced human-centric health care for a rapidly changing world. Anchored in our brand — with heart at its center — our purpose sends a personal message that how we deliver our services is just as important as what we deliver.

Our Heart At Work Behaviors™ support this purpose. We want everyone who works at CVS Health to feel empowered by the role they play in transforming our culture and accelerating our ability to innovate and deliver solutions to make health care more personal, convenient and affordable.

The Cybersecurity Risk Analyst will work directly with SOC, lines of business, and third-party contacts to facilitate the actions associated with continuous monitoring to drive the cybersecurity maturity of third parties. This position is accountable for identification and analysis of risks identified through the CVS Health continuous monitoring program and collaboration with other internal organization regarding third party outreach to gain understanding of actions on discrete events. The position will facilitate the management, monitoring, and coordination of resolution regarding these events to ensure awareness and overall risk reduction.

Based on the volume of third parties in the CVS Health ecosystem, we must continue to grow our capabilities in the continuous monitoring program. This program allows us to react to externally reported events or industry-wide vulnerabilities and gain a clearer picture of our organizational exposure. This program also allows us to drive proactive interaction with our third parties to try and avoid risk scenarios before they come to fruition by driving higher engagement, collaboration, awareness and education on security topics. This program will allow CVS Health to continue driving maturity and assurance in our Third-Party Security program.

Ideal candidate for this role can work fully remote anywhere in the US or in any of the digital office locations in IL, NY, AZ or other locations.

**Required Qualifications**

+ 3+ years of experience in an IT Security/IT Risk environment with a large regulated organization

+ 3+ years of experience in risk assessment methodologies, IT/IS Policies and Standards, IT risk standards and industry best practices (ISO 27000, HITRUST, CoBIT, Managing Vendor Assessments)

+ 3+ years of experience or understanding of managing vendor assessments

+ 3+ years of experience with development and administration of risk assessments and reviews

+ 3+ years of experience with cyber security assessment processes and disciplines

+ 3+ years of experience with more than one major IT discipline (distributed computing, networks, application design and development, IT security and business recovery)

**Preferred Qualifications**

+ Previous cyber security risk assessment within Healthcare, or other highly regulated environment with CISSP, CISA, CIPP, CISM, PCIP, ISA, CTPRA

+ Experience with regulatory requirements, including HIPAA, PCI-DSS, etc

+ Knowledge and working experience with Information Security frameworks, including ISO27001 and the NIST CSF

+ Cloud, AI and/or other IT/IS background a plus

+ Strong interpersonal and oral/written communication skills, able to build relationships at all levels

+ Knowledge of IT risk standards and industry best practice approaches such as ISO 27001, HITRUST, etc

+ Knowledge of web application security testing and vulnerability testing tools.

+ Knowledge of network-level penetration testing

+ Knowledge of source code reviews using automated tools such as Veracode and/or manual analysis

**Education:**

+ Bachelor’s degree or equivalent experience (HS diploma + 4 years relevant experience)

**Pay Range**

The typical pay range for this role is:

$83,430.00 - $222,480.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above.

In addition to your compensation, enjoy the rewards of an organization that puts our heart into caring for our colleagues and our communities. The Company offers a full range of medical, dental, and vision benefits. Eligible employees may enroll in the Company’s 401(k) retirement savings plan, and an Employee Stock Purchase Plan is also available for eligible employees. The Company provides a fully-paid term life insurance plan to eligible employees, and short-term and long term disability benefits. CVS Health also offers numerous well-being programs, education assistance, free development courses, a CVS store discount, and discount programs with participating partners. As for time off, Company employees enjoy Paid Time Off (“PTO”) or vacation pay, as well as paid holidays throughout the calendar year. Number of paid holidays, sick time and other time off are provided consistent with relevant state law and Company policies.

For more detailed information on available benefits, please visit Benefits | CVS Health (https://jobs.cvshealth.com/us/en/benefits)

We anticipate the application window for this opening will close on: 01/05/2025

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

We are an equal opportunity and affirmative action employer. We do not discriminate in recruiting, hiring, promotion, or any other personnel action based on race, ethnicity, color, national origin, sex/gender, sexual orientation, gender identity or expression, religion, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.

Risk Analyst | Risk Control Management

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Date: Dec 11, 2024

Location: PHOENIX, AZ, US, 85004-3903

Company: APS

Our present and future success depends on the creative and dedicated people of our company who demonstrate the principles outlined in the APS Promise: Design for Tomorrow, Empower Each Other and Succeed Together.

Summary

Risk Analyst | Risk Control Management

Are you passionate about risk management and data-driven decision-making? As a Risk Analyst within our Risk Control Management team, you will play a key role in ensuring the accurate recording, valuation, and risk measurement of transactions while supporting enterprise risk initiatives. Your expertise will contribute to the integrity of market operations and the automation of critical risk tools.

What your day would be like:

You are responsible for:

+ Transaction Valuation & Risk Measurement: Ensure proper recording and evaluation of Power Marketing and Trading Group transactions, maintaining accurate risk metrics.

+ Market Data Management: Obtain and record daily market prices and volatilities, ensuring the timely and precise entry of this data into risk management systems.

+ Enterprise Risk Automation: Support enterprise risk management through the development and automation of risk tools and the generation of insightful reports.

+ Special Projects: Tackle unique assignments as directed by management, contributing to continuous process improvement and operational excellence.

The kinds of people we want to talk to have done many of the following:

+ Analytical Expertise: Strong analytical skills with experience in recording, valuing, and measuring trading transactions or market data.

+ Risk Management Knowledge: Familiarity with risk control processes and tools, particularly in energy trading or similar environments.

+ Data Proficiency: Proficient in managing large datasets and ensuring accurate entry into risk management systems.

+ Detail-Oriented Mindset: A meticulous approach to data recording and reporting, ensuring the highest levels of accuracy and reliability.

+ Adaptability: Ability to manage special assignments and contribute to cross-functional projects with a focus on automation and efficiency.

Take the next step in your career and apply now to join our team as a Risk Analyst. Help us drive precision, innovation, and excellence in risk control management!

Minimum Requirements

Risk Analyst | Risk Control Management

+ Bachelor's degree in Accounting, Economics, Mathematics, Statistics, Engineering, or Finance

+ AND two (2) years' related professional level experience or an equivalent combination of education and experience from which comparable knowledge, skills and abilities have been acquired.

+ Requires strong analytic and problem solving skills and, above all, an attention to detail.

+ Current experience in utility operations preferred.

+ Proficient computer skills including a thorough knowledge and applied use of Microsoft Office.

+ Knowledge of VBA is a plus.

Major Accountabilities

1) Responsible for trading control through the review of transactions recorded by the traders to ensure that they reconcile to system records on a daily basis.

Performs a formal check out process of positions, and resolves reconciling items with proper documentation support to ensure data integrity in the risk management system.

2) Marks positions to market using end of day market prices, volatilities, and approved valuation methodologies.

Pepare independent daily forward curves applying internal methodologies.

3) Monitor and ensure compliance with hedging policies, procedures and guidelines.

4) Perform risk model development to support Enterprise Risk Management and/or various other groups in APS

5) Perform analytics around collateral exposure, cash positions, market stresses with a detailed understanding of existing thresholds related to different counterparties and APS.

6) Assist with stochastic, scenario and sensitivity risk analysis.

Export Compliance / EEO Statement

This position may require access to and/or use of information subject to control under the Department of Energy's Part 810 Regulations (10 CFR Part 810), the Export Administration Regulations (EAR) (15 CFR Parts 730 through 774), or the International Traffic in Arms Regulations (ITAR) (22 CFR Chapter I, Subchapter M Part 120) (collectively, 'U.S. Export Control Laws'). Therefore, some positions may require applicants to be a U.S. person, which is defined as a U.S. Citizen, a U.S. Lawful Permanent Resident (i.e. 'Green Card Holder'), a Political Asylee, or a Refugee under the U.S. Export Control Laws. All applicants will be required to confirm their U.S. person or non-US person status. All information collected in this regard will only be used to ensure compliance with U.S. Export Control Laws, and will be used in full compliance with all applicable laws prohibiting discrimination on the basis of national origin and other factors. For positions at Palo Verde Nuclear Generating Stations (PVNGS) all openings will require applicants to be a U.S. person.

Pinnacle West Capital Corporation and its subsidiaries and affiliates ('Pinnacle West') maintain a continuing policy of nondiscrimination in employment. It is our policy to provide equal opportunity in all phases of the employment process and in compliance with applicable federal, state, and local laws and regulations. This policy of nondiscrimination shall include, but not be limited to, recruiting, hiring, promoting, compensating, reassigning, demoting, transferring, laying off, recalling, terminating employment, and training for all positions without regard to race, color, religion, disability, age, national origin, gender, gender identity, sexual orientation, marital status, protected veteran status, or any other classification or characteristic protected by law.

For more information on applicable equal employment regulations, please refer to EEO is the Law poster. Federal law requires all employers to verify the identity and employment eligibility of every person hired to work in the United States, refer to E-Verify poster. View the employee rights and responsibilities under the Family and Medical Leave Act (FMLA). Arizona Public Service is a smoke free workplace.

Hybrid Role:

Employees in hybrid roles will work both in their home offices and alongside their colleagues at an APS facility or other work location for meaningful in person engagement.

As of January 2025, hybrid-role employees will be asked to work about 40% of their time in person at an APS or other (non-home office) location.

*Employees in Hybrid roles are required to reside in Arizona (or NM for Four Corners-based employees). Role types are subject to change based on business need.

**General information**

**Ref #** 18986

**Remote?** Yes

**Ally and Your Career**

*

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

**The Opportunity**

At Ally, every individual is a risk manager. In alignment with our risk culture, this position will ensure the appropriate identification, assessment, and measurement of risk related to the Consumer Auto portfolio. When necessary, identified risks will be escalated to the appropriate channels to ensure reasonable resolution. The Portfolio Risk Analyst is responsible for conducting complex analysis and in-depth research on credit risk management issues across Ally’s Consumer Auto portfolio. The analysis and research include developing and publishing risk related reporting on portfolio trends within the guardrails as set by managers.

The anticipated closing date for this role is January 8, 2025.

**The Work Itself**

* Provide investigative and fraud risk services in support of the Automotive Finance Line of Business. Position is responsible for investigating external financial crimes; reviewing current controls, recommending control enhancements, ensuring applicable regulatory compliance, and preparing investigative reports for both senior leadership and FinCEN.
* Utilize sound judgment and knowledge of financial investigative tools/techniques to establish an investigative plan; initiate investigation by gathering facts and evidence; prepare independent investigative reports that document findings while examining the current control environment; prepare confidential investigative reports; perform research and analysis using back-end customer profile and transactional systems; conduct appropriate research with industry peers and law enforcement.
* Evaluate investigative findings, draft clear and concise investigative reports, communicate with referring source and supervisor and determine need for additional investigative activity.
* Maintain current knowledge and awareness of investigative fraud techniques, privacy laws, bank regulations, investigation and security incident handling policy and procedure. Possess a strong working knowledge of an automotive line of business operating practices and policies; and maintain strong working relationships with appropriate industry groups and governmental agencies. Position will work closely with Legal, Compliance, LOB representatives, Risk, Audit, Human Resources, vendors and law enforcement.
* Effectively execute countermeasures and various mitigation strategies to avoid additional losses to the company.
* Work with other Ally functions to ensure optimal efforts are taken to recover potential losses (e.g. repo, restitutions, assumptions, insurance claims, etc.).
* Work cooperatively with EFSI and collaborate on higher risk investigations, some interaction may be necessary with other industry partners and/or local, state and federal authorities.
* Ensure enterprise-wide compliance with established standards, policies and procedures for auto, set by Enterprise Fraud, Security and Investigations or other Ally departments.
* Support the development and refinement of the Risk Appetite Statement by maintaining and implementing Consumer Auto Portfolio risk appetites that align with the enterprise according to manager guidance.

**The Skills You Bring**

* Associate/Bachelor’s/MBA degree in Business, Finance, Economics, Mathematics or Statistics preferred.
* Minimum of 3+ years’ experience in fraud investigations/Consumer Fraud Industry experience (auto, card, mortgage, etc) required
* Certification in area of specialization-CFE (Certified Fraud Examiner Certification) or equivalent-strongly preferred.
* Should have knowledge of auto and bank fraud investigative techniques preferred.
* Work cooperatively with EFSI and collaborate on higher risk investigations, some interaction may be necessary with other industry partners and/or local, state and federal authorities.
* Understanding of risk management concepts and key performance drivers within consumer lending portfolios.
* Strong understanding of the threats relating to both direct and indirect auto financing operations
* Excellent organizational, management, and communications skills
* Ability to foster collaborative work partnerships and influence people at all organizational levels
* Relationship management with the ability to influence without authority.
* Must have knowledge of fraud risks and schemes
* Demonstrates the ability to work collaboratively and effectively at all levels of the organization

\#LI-Remote#DFS

**How We'll Have Your Back**

*

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally’s total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:
* Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
* Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
* Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
* Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts.
* Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at [email protected]. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

**_Base Pay Range:_**

An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

**Emerging:** 55000

**Experienced:** 75000

**Expert:** 95000

Incentive Compensation: This position is eligible to participate in our annual incentive plan

**Why 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 nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

**The Opportunity**

We are seeking a skilled Quantitative Risk Analyst Lead with a strong background in capital planning and stress testing. The ideal candidate will possess detailed knowledge of insurance products and industry trends, along with expertise in data analytics using Python, R, SAS, SQL, and Tableau for visualization. Excellent communication skills are needed, as the role will involve presenting to a diverse range of partners, including executives, business leaders, and risk committees. The right individual for this position will be able to convey complex analytical findings in a clear and concise manner, making them a valuable asset to our team.

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 available for this position.

**What you'll do:**

+ Applies experienced analytical knowledge to use detailed analytics to assess future risk and/or new risks, opportunities, and efficiency.

+ Translates results into significant solutions to improve decision making.

+ Presents findings to senior level leadership.

+ Applies experienced knowledge and industry standard processes to quantify risk and aggregate exposures.

+ Develops complex systems and programs that measure aggregate risk exposures.

+ Performs model validations and presents results to senior leadership.

+ Applies innovative and scientific/quantitative analytical approaches to draw conclusions and make recommendations to answer business objectives and lead change.

+ Translates recommendations into communication materials to effectively present to senior leadership. Recommendations typically have a major impact on business results.

+ Provides subject matter expertise in operationalizing recommendations.

+ Applies experienced knowledge to produce advanced analytical material to lead discussions with cross functional teams and senior leadership to understand detailed business objectives and influence solution strategies.

+ Demonstrates thought leadership in cross functional team environments.

+ Drives and builds cross functional teams in support of initiatives that have significant impact to the enterprise or a core business area.

+ Provides direction and mentorship to other team members in the peer review process.

+ Expertly communicates analytical results, findings and solutions to governance committees and business process owners and influences business analysis.

**What you have:**

+ Bachelor's degree in Economics, Finance, Statistics, Mathematics, Actuarial Sciences, or other quantitative field. OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

+ 8 years of related quantitative analysis experience in a subject area relevant to risk management to include statistical analysis, modeling, mathematics or other quantitative field. OR advanced degree/designation in Economics, Finance, Statistics, Mathematics, Actuarial Sciences, or other quantitative subject area and 6 years work experience in a quantitative subject area relevant to risk management OR PhD in Economics, Finance, Statistics, Mathematics, or other quantitative field and up to 4 years work experience in a quantitative subject area relevant to risk management.

**What sets you apart:**

+ Data analytics or science experience using Python, R, SAS, SQL, R, and visualization tools (Tableau)

+ Extensive knowledge of Life Insurance industry and products

+ Proven understanding of financial reporting systems

+ Three or more years' experience with Capital planning/Stress testing

+ Experience accessing and analyzing detailed data sets.

+ Strong written and verbal communication

+ Crafting and presenting across multiple management levels (e.g.: executives, business leaders, risk committees, and etc.)

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: $138,230 - $264,200 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_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 and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic._

**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.