Fraud Risk Analyst Jobs in Florida (NOW HIRING)

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.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

The MIAM Authentication Director is a critical role within USAA's Member Protection organization, responsible for defining and driving the future of secure, seamless member access across all USAA channels, serving millions of members. This leadership position champions member access management and the authentication strategy, balancing robust security and fraud risk mitigation with an exceptional member experience. This candidate will partner closely with technology, architecture, experience, and risk teams to deliver cutting-edge authentication capabilities while maintaining strong control over security outcomes and meeting stringent regulatory requirements.

Establishes, executes and governs fraud management activities to include risk assessments, policies, frameworks, standards, processes and tools as a first line of defense function. Serves as a fraud risk management subject matter expert to ensure documents, projects, programs, processes, and product initiatives comply with regulatory, legal requirements, and fraud policies and standards. Partners and collaborates with the lines of business, Compliance and Risk Management, Audit Services, Legal, and Regulators to support enterprise fraud management-based initiatives for the Staff Agency or Line of Business (LOB) supported.

This role is remote eligible in the continental U.S. with occasional business travel. 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:

• Define, champion, and drive the overall authentication strategy and roadmap, prioritizing enhancements to existing capabilities and the introduction of net-new solutions to meet evolving member needs and threat landscapes.
• Translate business objectives and member needs into detailed, actionable, and precise authentication and security requirements for technology and design teams, ensuring a holistic approach that considers the complete member journey, security protocols, and regulatory compliance.
• Continuously analyze and innovate existing authentication journeys, authenticators, and supporting capabilities to proactively reduce fraud risk, enhance member experience, and improve operational efficiency.
• Serve as a subject matter expert on all areas of authentication and technologies, providing thought leadership and guidance on fraud risk management, regulatory compliance, and authentication best practices.
• Proactively monitor and analyze fraud and authentication success/fail rates to identify emerging threats and vulnerabilities, leading the development and implementation of effective remediation strategies.
• Champion a robust risk management framework for all authentication-related activities, ensuring risks are effectively identified, measured, monitored, and controlled in alignment with USAA's risk and compliance policies.
• Apply a deep understanding of security standards, fraud risk management requirements, policies, laws, and regulations to shape business strategies, programs, and solutions. Anticipate industry changes to sustain competitive advantage and protect USAA's members.
• This role carries full accountability and business ownership for the authentication product, from strategic definition to the successful delivery and ongoing management of the associated technologies.

What you have:

• Bachelor's degree OR 4 years of related fraud, compliance, risk, audit or regulatory experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 8 years of operations experience in a relevant functional area to include financial services, Fraud, AML, compliance, risk, audit, third party risk management or other related operational areas that support fraud risk management initiatives within the business.
• 6 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes or policies.
• Expert 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.
• Proven ability to lead and influence others in a cross-functional environment.

What sets you apart:

• US military experience through military service or a military spouse/domestic partner
• Demonstrated experience managing the full product lifecycle for authentication solutions, from ideation to launch and iteration.
• Experience in a Product Management role with direct responsibility for authentication or a significant component of a broader identity and access management (IAM) offering.
• Experience collaborating with engineering, design, security, and risk teams to deliver secure and user-friendly authentication capabilities.
• Familiarity with industry best practices, emerging trends, and regulatory considerations in authentication and identity management.
• Leadership ability demonstrated through both direct reporting structure and matrixed influence.
• Understanding of vendor product offerings related to ID verification, device recognition/risk assessment, behavioral analytics and authentication.

Compensation range: The salary range for this position is: $143,320 - $273,930.

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.