Remote Bank Risk Management Jobs in Charlotte, NC

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

As a Director, Risk Management, you will lead a high-performing team responsible for identifying, measuring, monitoring, controlling, and reporting key risks across the organization. You will serve as a trusted advisor to senior leaders, providing effective challenge and oversight to ensure risks are understood and managed appropriately. Working in a highly collaborative environment, you will partner with business leaders, finance, treasury, audit, compliance, and other control functions to drive risk management initiatives, strengthen the risk and control environment, and support regulatory, audit, and rating agency engagements.

The ideal candidate brings extensive experience in financial services risk management, with deep expertise in areas such as market risk, credit risk, liquidity risk, interest rate risk, asset-liability management (ALM), and balance sheet strategy. Success in this role requires strong analytical and leadership capabilities, including experience leveraging risk analytics and data-driven insights to influence business decisions. Candidates should possess advanced skills in tools such as SQL, Python, Snowflake, and Tableau, along with exceptional communication and executive presence to effectively engage with senior leadership and executive stakeholders. This leader will have a proven ability to build and mentor talented teams, navigate complex and matrixed organizations, resolve conflicts, and drive cross-functional outcomes that strengthen the organization's overall risk management framework.

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:

• Directs staff and initiatives that support risk management programs, to include governance support, risk oversight, risk infrastructure development, identification, quantification, and aggregation of key and emerging risks and/or operational risks and controls.
• Builds and manages a high performing team of risk professionals through recruitment, training, coaching, performance management and related managerial activities.
• Partners with key stakeholders in the business and oversees the formulation of stress test plans, identification, assessment and documentation of risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and/or third-party operations.
• Challenges assumptions, risk assessments, and proposed risk mitigation strategies to ensure financial risks are appropriately identified, measured, and managed
• Directs teams in the development of risk dashboards and reporting formats in alignment with risk appetite/profile and leads teams in the identification, quantification and aggregation of risks using analytical methodologies.
• Reviews, communicates and recommends the development of risk policies and procedures in partnership with senior leaders to ensure appropriateness and adequacy versus industry best practices and regulatory requirements.
• Accountable for the development, implementation and oversight of risk management frameworks.
• Oversees the preparation of key reports and communications and may present to governance committees, senior leaders, regulatory bodies and the USAA Board of Directors.

What you have:

• Bachelor's degree in Risk Management, Business, Finance, or related field; OR 4 years of relevant education and/or experience.

Experiences that will support your success:

• 8 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area; OR advanced degree/designation in Risk Management, Business, Finance, or other discipline relevant to risk management and 6 years of work experience in a discipline relevant to risk management; OR PhD in Risk Management, Business, Finance, or other discipline relevant to risk management and 4 years of work experience in a discipline relevant to risk management.
• 3 years of direct team lead or management experience.
• Advanced risk management experience in a complex institution and/or highly matrixed environment related to banking, insurance and/or financial services.
• Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.
• Experience leading and directing work with both internal and external partners in a highly collaborative environment.
• Demonstrated critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include demonstrated ability to effectively make data-driven decisions.
• Proactively identifies potential concerns and follows-up to resolve issues.
• Advanced knowledge of Microsoft Office products including Excel and PowerPoint.

What sets you apart:

• 10+ years of experience in financial risk management, including deep expertise across market risk, credit risk, liquidity risk, interest rate risk, asset-liability management (ALM), and balance sheet strategy within banking or financial services organizations.
• Proven track record of leveraging risk analytics, data analytics, and quantitative methodologies to identify emerging risks, generate actionable insights, and support strategic business and regulatory decision-making.
• Advanced proficiency in modern data and analytics platforms, including SQL, Python, Snowflake, Tableau, and related technologies, with demonstrated experience building scalable data solutions, dashboards, and risk reporting frameworks.
• Exceptional executive presence and communication skills, with the ability to translate complex risk, financial, and analytical concepts into clear business recommendations for senior leadership, executive committees, and board-level stakeholders.
• Demonstrated people leadership and cross-functional influence, including experience leading high-performing teams, mentoring analytical talent, and driving enterprise-wide risk initiatives across finance, treasury, risk management, and business functions.

• US military experience gained through military service or gained as a military spouse / domestic partner

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.