2,274 Banking Risk jobs in the United States

**Our Purpose**
_Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential._
**Title and Summary**
Anti Financial Crime Senior Lead, Open Banking, Risk & Compliance
The Services team and solutions fuel growth for partners globally by providing cutting edge services in the areas of Customer Acquisition and Engagement, Security Solutions, Business and Market Insights, and Open Banking. Focused on thinking big and scaling fast, our agile sales team is responsible for end-to-end solutions for a diverse global customer base including retailers, airlines, hotels, tourism agencies, public sector entities, restaurants, consumer goods and telecom companies.
Leveraging Mastercard's global payments network, our account-to-account business provides domestic and cross-border solutions to enable the frictionless future of payments. We help our customers leverage rich messaging functionality and applications to capture business and consumer payment flows both domestically and cross-border; offer solutions to connect, enable, and safeguard the Open Banking ecosystem, and protect banks and their customers from financial crime. All this is supported by account-based data insights and consulting to help our clients optimise their payment strategies across the world. The Open Banking team is looking to expand its product offering on a global basis.
At Mastercard we are committed to the highest standards of ethics and integrity. Ethics and Compliance are at the core of our company values and are essential to both the personal success of every Mastercard employee and to the success of the company. The Anti Financial Crime Senior Lead, Open Banking, Risk and Compliance will be responsible for conducting AML related activities as part of the customer monitoring and investigation process. Working under general supervision, this role will leverage an existing understanding of AML/CFT practices and data analysis skills, including extracting and preparing data, drawing conclusions, performing complex research, assessing risk factors and supporting other strategic compliance activities.
Role
- Support KYC/AML related projects, systems and tools
- Support transaction monitoring systems, including data acquisition, development of new rules, rule optimization, and machine learning integration.
- Support High risk customer due diligence escalations and risk assessment activities
- Lead investigations of financial crime or breaches of compliance programs
- Lead design, implementation and ongoing operation of compliance systems and tools
- Develop relevant Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs)
- Support regulatory outreach, subpoena response, including data analysis and reporting.
All About You
- Experience in banking or financial operations, payments industry, risk management or compliance related field
- Proven experience in transaction monitoring or data analysis experience required
- Knowledge of Anti-Money Laundering Regulations.
- Ability to interpret regulations and guidance in order to assess the impact and develop practical operational procedures to ensure ongoing compliance.
- Experience executing, designing and implementing controls.
- Demonstrated ability to analyze large, complex data sets; use external resources to arrive at conclusions; and creatively identify trends in data
- Ability to swiftly adapt to changing global AML trends, priorities and typologies while working through different data sets
- Ability to consistently produce high quality, accurate, detailed reports according to requirements. Clearly explain and defend conclusions verbally and visually
- Demonstrate a high degree of self-motivation, independence, organization, time management, and attention to detail
- Knowledge and experience of Open Banking products is a plus.
- Compliance certification, e.g. ACAMs or ICA or industry equivalent would be preferable.
- Preferred location is St. Louis or Salt Lake City
Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
**Corporate Security Responsibility**
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
+ Abide by Mastercard's security policies and practices;
+ Ensure the confidentiality and integrity of the information being accessed;
+ Report any suspected information security violation or breach, and
+ Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more.
**Pay Ranges**
O'Fallon, Missouri: $135,000 - $216,000 USD

**Our Purpose**
_Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential._
**Title and Summary**
Anti Financial Crime Senior Lead, Open Banking, Risk & Compliance
The Services team and solutions fuel growth for partners globally by providing cutting edge services in the areas of Customer Acquisition and Engagement, Security Solutions, Business and Market Insights, and Open Banking. Focused on thinking big and scaling fast, our agile sales team is responsible for end-to-end solutions for a diverse global customer base including retailers, airlines, hotels, tourism agencies, public sector entities, restaurants, consumer goods and telecom companies.
Leveraging Mastercard's global payments network, our account-to-account business provides domestic and cross-border solutions to enable the frictionless future of payments. We help our customers leverage rich messaging functionality and applications to capture business and consumer payment flows both domestically and cross-border; offer solutions to connect, enable, and safeguard the Open Banking ecosystem, and protect banks and their customers from financial crime. All this is supported by account-based data insights and consulting to help our clients optimise their payment strategies across the world. The Open Banking team is looking to expand its product offering on a global basis.
At Mastercard we are committed to the highest standards of ethics and integrity. Ethics and Compliance are at the core of our company values and are essential to both the personal success of every Mastercard employee and to the success of the company. The Anti Financial Crime Senior Lead, Open Banking, Risk and Compliance will be responsible for conducting AML related activities as part of the customer monitoring and investigation process. Working under general supervision, this role will leverage an existing understanding of AML/CFT practices and data analysis skills, including extracting and preparing data, drawing conclusions, performing complex research, assessing risk factors and supporting other strategic compliance activities.
Role
- Support KYC/AML related projects, systems and tools
- Support transaction monitoring systems, including data acquisition, development of new rules, rule optimization, and machine learning integration.
- Support High risk customer due diligence escalations and risk assessment activities
- Lead investigations of financial crime or breaches of compliance programs
- Lead design, implementation and ongoing operation of compliance systems and tools
- Develop relevant Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs)
- Support regulatory outreach, subpoena response, including data analysis and reporting.
All About You
- Experience in banking or financial operations, payments industry, risk management or compliance related field
- Proven experience in transaction monitoring or data analysis experience required
- Knowledge of Anti-Money Laundering Regulations.
- Ability to interpret regulations and guidance in order to assess the impact and develop practical operational procedures to ensure ongoing compliance.
- Experience executing, designing and implementing controls.
- Demonstrated ability to analyze large, complex data sets; use external resources to arrive at conclusions; and creatively identify trends in data
- Ability to swiftly adapt to changing global AML trends, priorities and typologies while working through different data sets
- Ability to consistently produce high quality, accurate, detailed reports according to requirements. Clearly explain and defend conclusions verbally and visually
- Demonstrate a high degree of self-motivation, independence, organization, time management, and attention to detail
- Knowledge and experience of Open Banking products is a plus.
- Compliance certification, e.g. ACAMs or ICA or industry equivalent would be preferable.
- Preferred location is St. Louis or Salt Lake City
Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
**Corporate Security Responsibility**
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
+ Abide by Mastercard's security policies and practices;
+ Ensure the confidentiality and integrity of the information being accessed;
+ Report any suspected information security violation or breach, and
+ Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more.
**Pay Ranges**
O'Fallon, Missouri: $135,000 - $216,000 USD

**Our Purpose**
_Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential._
**Title and Summary**
Anti Financial Crime Senior Lead, Open Banking, Risk & Compliance
The Services team and solutions fuel growth for partners globally by providing cutting edge services in the areas of Customer Acquisition and Engagement, Security Solutions, Business and Market Insights, and Open Banking. Focused on thinking big and scaling fast, our agile sales team is responsible for end-to-end solutions for a diverse global customer base including retailers, airlines, hotels, tourism agencies, public sector entities, restaurants, consumer goods and telecom companies.
Leveraging Mastercard's global payments network, our account-to-account business provides domestic and cross-border solutions to enable the frictionless future of payments. We help our customers leverage rich messaging functionality and applications to capture business and consumer payment flows both domestically and cross-border; offer solutions to connect, enable, and safeguard the Open Banking ecosystem, and protect banks and their customers from financial crime. All this is supported by account-based data insights and consulting to help our clients optimise their payment strategies across the world. The Open Banking team is looking to expand its product offering on a global basis.
At Mastercard we are committed to the highest standards of ethics and integrity. Ethics and Compliance are at the core of our company values and are essential to both the personal success of every Mastercard employee and to the success of the company. The Anti Financial Crime Senior Lead, Open Banking, Risk and Compliance will be responsible for conducting AML related activities as part of the customer monitoring and investigation process. Working under general supervision, this role will leverage an existing understanding of AML/CFT practices and data analysis skills, including extracting and preparing data, drawing conclusions, performing complex research, assessing risk factors and supporting other strategic compliance activities.
Role
- Support KYC/AML related projects, systems and tools
- Support transaction monitoring systems, including data acquisition, development of new rules, rule optimization, and machine learning integration.
- Support High risk customer due diligence escalations and risk assessment activities
- Lead investigations of financial crime or breaches of compliance programs
- Lead design, implementation and ongoing operation of compliance systems and tools
- Develop relevant Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs)
- Support regulatory outreach, subpoena response, including data analysis and reporting.
All About You
- Experience in banking or financial operations, payments industry, risk management or compliance related field
- Proven experience in transaction monitoring or data analysis experience required
- Knowledge of Anti-Money Laundering Regulations.
- Ability to interpret regulations and guidance in order to assess the impact and develop practical operational procedures to ensure ongoing compliance.
- Experience executing, designing and implementing controls.
- Demonstrated ability to analyze large, complex data sets; use external resources to arrive at conclusions; and creatively identify trends in data
- Ability to swiftly adapt to changing global AML trends, priorities and typologies while working through different data sets
- Ability to consistently produce high quality, accurate, detailed reports according to requirements. Clearly explain and defend conclusions verbally and visually
- Demonstrate a high degree of self-motivation, independence, organization, time management, and attention to detail
- Knowledge and experience of Open Banking products is a plus.
- Compliance certification, e.g. ACAMs or ICA or industry equivalent would be preferable.
- Preferred location is St. Louis or Salt Lake City
Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
**Corporate Security Responsibility**
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
+ Abide by Mastercard's security policies and practices;
+ Ensure the confidentiality and integrity of the information being accessed;
+ Report any suspected information security violation or breach, and
+ Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more.
**Pay Ranges**
O'Fallon, Missouri: $135,000 - $216,000 USD

**Our Purpose**
_Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential._
**Title and Summary**
Anti Financial Crime Senior Lead, Open Banking, Risk & Compliance
The Services team and solutions fuel growth for partners globally by providing cutting edge services in the areas of Customer Acquisition and Engagement, Security Solutions, Business and Market Insights, and Open Banking. Focused on thinking big and scaling fast, our agile sales team is responsible for end-to-end solutions for a diverse global customer base including retailers, airlines, hotels, tourism agencies, public sector entities, restaurants, consumer goods and telecom companies.
Leveraging Mastercard's global payments network, our account-to-account business provides domestic and cross-border solutions to enable the frictionless future of payments. We help our customers leverage rich messaging functionality and applications to capture business and consumer payment flows both domestically and cross-border; offer solutions to connect, enable, and safeguard the Open Banking ecosystem, and protect banks and their customers from financial crime. All this is supported by account-based data insights and consulting to help our clients optimise their payment strategies across the world. The Open Banking team is looking to expand its product offering on a global basis.
At Mastercard we are committed to the highest standards of ethics and integrity. Ethics and Compliance are at the core of our company values and are essential to both the personal success of every Mastercard employee and to the success of the company. The Anti Financial Crime Senior Lead, Open Banking, Risk and Compliance will be responsible for conducting AML related activities as part of the customer monitoring and investigation process. Working under general supervision, this role will leverage an existing understanding of AML/CFT practices and data analysis skills, including extracting and preparing data, drawing conclusions, performing complex research, assessing risk factors and supporting other strategic compliance activities.
Role
- Support KYC/AML related projects, systems and tools
- Support transaction monitoring systems, including data acquisition, development of new rules, rule optimization, and machine learning integration.
- Support High risk customer due diligence escalations and risk assessment activities
- Lead investigations of financial crime or breaches of compliance programs
- Lead design, implementation and ongoing operation of compliance systems and tools
- Develop relevant Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs)
- Support regulatory outreach, subpoena response, including data analysis and reporting.
All About You
- Experience in banking or financial operations, payments industry, risk management or compliance related field
- Proven experience in transaction monitoring or data analysis experience required
- Knowledge of Anti-Money Laundering Regulations.
- Ability to interpret regulations and guidance in order to assess the impact and develop practical operational procedures to ensure ongoing compliance.
- Experience executing, designing and implementing controls.
- Demonstrated ability to analyze large, complex data sets; use external resources to arrive at conclusions; and creatively identify trends in data
- Ability to swiftly adapt to changing global AML trends, priorities and typologies while working through different data sets
- Ability to consistently produce high quality, accurate, detailed reports according to requirements. Clearly explain and defend conclusions verbally and visually
- Demonstrate a high degree of self-motivation, independence, organization, time management, and attention to detail
- Knowledge and experience of Open Banking products is a plus.
- Compliance certification, e.g. ACAMs or ICA or industry equivalent would be preferable.
- Preferred location is St. Louis or Salt Lake City
Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
**Corporate Security Responsibility**
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
+ Abide by Mastercard's security policies and practices;
+ Ensure the confidentiality and integrity of the information being accessed;
+ Report any suspected information security violation or breach, and
+ Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.
In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more.
**Pay Ranges**
O'Fallon, Missouri: $135,000 - $216,000 USD

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 looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.

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:

• Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
• Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
• May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership.
• Develops industry knowledge and competitive benchmarking to inform credit strategy development.
• Uses quantitative analysis based upon internal and external data sources to solve analytical projects.
• Assists with developing, managing, and presenting comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
• Performs financial risk sensitivity analysis.
• Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended.
• Applies programming and analytical techniques to analyze credit data
• May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.
• 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:

• Bachelors degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline.
• Developing understanding of banking regulations, risk, and compliance.
• Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python.
• Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

What sets you apart:

• High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau)
• Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements
• Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk
• Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models)
• Experience preparing presentation materials for executive level audiences
• US military experience through military service or a military spouse/domestic partner

Compensation range: 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, F-1, 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.

Come join a culture that is about so much more than the bottom line. Be a part of a team that celebrates big ideas, supports your personal and professional growth, and makes a real impact in local communities. At BMO, you will enjoy work that makes a difference; help us live our Purpose: **To Boldly Grow the Good in Business and Life.**
Our Business Banking Compliance & Operational Risk Enablement supports the business/group leader in the effective implementation, maintenance and administration of first line of defense (1st LOD) programs (e.g., operational risk, AML, compliance, regulatory, etc.), including overseeing business operations within the jurisdiction to ensure adherence and efficiency. Contributes to a strong risk management culture through collaboration with other first line employees, and second & third line functions to ensure Compliance, AML or operational risks are identified, mitigated, monitored and reported on an ongoing basis.
+ Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.
+ Ensures alignment between values and behaviour that fosters diversity and inclusion.
+ Regularly connects work to BMO's purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through.
+ Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
+ Attracts, retains, and enables the career development of top talent.
+ Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.
+ Acts as a strategic partner to ensure the program elements becomes an integrated component of the overall business/group strategies.
+ Develops an expert understanding of business/group challenges.
+ Develops longer term program strategies assessing both internal needs & industry trends to deliver best-in-class programs for BMO.
+ Supports multiple, varied business units with significant complexity & business transaction risk.
+ Acts as a subject matter expert on relevant regulations and policies.
+ Acts as a subject matter expert in the evaluation, development and implementation of an internal control system.
+ Prepares and briefs senior leaders on regulatory matters across multiple businesses/groups.
+ Monitors and advises on management of risk requirements within the defined risk appetite.
+ Manages/supports large/complex risk programs/frameworks /projects/initiatives to ensure risks are appropriately mitigated and regulations adhered to.
+ Monitors industry and legislative developments and continuously updates programs to ensure they are competitive and effective.
+ Supports the position on regulatory compliance issues by interpreting requirements (existing, new and emerging) and identifying, analysing and addressing resultant gaps and issues, including those raised through the review of change initiatives.
+ Understands the identified risk exposures and supports the development of action plans required to mitigate identified risks.
+ Represents the business/group on Governance/Risk Working Groups/Forums and provides regular updates.
+ May establish/manage a 1st LOD control group to oversee business/group adherence to the applicable risk managements requirements. May include evaluating the effectiveness of the controls, reporting on risk assessments and reviews, ensuring the business/group management addresses any identified risks and control deficiencies and the provision of advice and guidance to management concerning the design, and operation of the business/group controls.
+ May consult to or serve on various committees and task forces.
+ Directs strategic programs that impact BMO and provides integrated management of subsidiary projects and internal or external stakeholders.
+ Provides overall program level change leadership to ensure program vision and objectives are achieved and effectively integrated across BMO.
+ Builds effective relationships with internal/external stakeholders.
+ Ensures alignment between stakeholders.
+ Acts as the prime contact for internal/external stakeholder relationships, which may include regulators.
+ Monitors and tracks performance, and addresses any issues.
+ Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
+ Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
+ Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.
+ Monitoring to ensure that 1st line jobs are following defined processes and procedures.
+ Develops, documents and maintains business/group procedures updating and obtaining approvals as regulations or the operating environment changes and communicates changes to the business/group & relevant stakeholder groups.
+ Designs measurable sustainment strategies including assessing and recommending mitigations for industry/ segment-specific risks and prioritizing opportunities presented by internal and external stakeholders.
+ Tracks exception/exemption requests and corresponding approvals.
+ Facilitates training to ensure business unit employees fully understand requirements.
+ Provides quality control for investigations, self-reports, examinations and independent reviews conducted by internal and external stakeholders, including regulators, providing verbal and written responses to requests for positions, action plans, information and/or documentation.
+ May act as the designated Primary Business Unit Compliance Officer (BUCO) and/or Anti-Money Laundering Reporting Officer for the operating group and is accountable to meet all program requirements (e.g., Operating Group Compliance Program, AML Program Framework).
+ Builds awareness, knowledge, and skills and, as necessary, provides communication, practical tools and ongoing support including making presentations, to promote a culture of risk identification and management.
+ Supports the management of 1st LOD program for the business/group in compliance with appropriate principles, standards & direction from the second line of defense groups. Includes developing and promoting program and ensuring the execution of all program components.
+ Works with assigned business/group leaders to implement 1st LOD programs and frameworks, developing and maintaining an in-depth understanding of the applicable regulatory and internal risk management requirements. Interprets and provides advice on the application of the requirements for the business/group.
+ Develops and maintains an understanding of the business/group strategies and objectives, products and services, internal and external stakeholders and business processes as well as the underlying infrastructure to identify and manage implications and risk exposures for the business/group.
+ Identifies, investigates, analyzes, documents & mitigates program risks, taking into account jurisdictional issues, and raises any issues or concerns to senior leaders and other stakeholders.
+ Analyzes the impact and effectiveness of the program through periodic reviews.
+ Recommends adjustments to the overall program, policy or processes within the business/group in accordance with the Risk Appetite Statement, Governance and Corporate Policy.
+ Supports the business/group through internal/external audits or regulatory examinations and assists in development of action plans to resolve any identified issues.
+ Provides support to the development and delivery of training and awareness programs within the business/group to increase awareness of and compliance to risk management requirements.
+ Operates at a group/enterprise-wide level and serves as a senior specialist resource across BMO.
+ Influences how teams/groups work together.
+ Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to multiple, interdependent, complex problems.
+ Communicates abstract concepts in simple terms.
+ Fosters strong internal and external networks and works with and across multiple teams to achieve business objectives.
+ Anticipates trends and responds by implementing appropriate changes.
+ Broader work or accountabilities may be assigned as needed. **Qualifications:**
+ Typically 9+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
+ Program management skills - Expert.
+ Seasoned expert with extensive industry knowledge.
+ Technical leader viewed as a thought leader for innovation.
+ Verbal & written communication skills - Expert.
+ Analytical and problem solving skills - Expert.
+ Influence skills - Expert.
+ Collaboration & team skills; with a focus on cross-group collaboration - Expert.
+ Able to manage ambiguity.
+ Data driven decision making - Expert.
**Salary:**
$137,000.00 - $238,000.00
**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: 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 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 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.

Join JPMorgan Chase and bring your expertise to our Risk Management and Compliance team. As a pivotal part of our organization, you will help keep JPMorgan Chase strong and resilient. You will play a crucial role in growing the firm responsibly by anticipating new and emerging risks and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class.
As an Associate within the Risk Reporting Analytics and Data team, you will be a part of the Reporting & Analytics team, collaborating to develop and deliver analytical Risk dashboards and reports. These tools will provide senior Risk leadership with essential insights to navigate the evolving small business landscape. This role demands close collaboration with stakeholders across the Business Banking Lending Risk team to enhance our analytic and reporting capabilities, thereby improving risk management practices. You will play a crucial role in building and automating reliable reporting and dashboards, ensuring their accuracy, and supporting key Risk initiatives with comprehensive analytical resources utilizing extensive small business data. Your contributions will foster a culture of innovation and stability, aligning with the organization's commitment to excellence.
**Job Responsibilities**
+ Design, development, launch, and maintenance of a portfolio of dashboards and reporting tools.
+ Develop the next-generation suite of data analytics to support the stakeholders across Small Business Lending Risk.
+ Create comprehensive datasets and analytics from diverse data sources to facilitate in-depth analysis for senior management.
+ Shift reporting to Cloud-sourced data, and identify and automate data routines, processes, and reporting to enhance efficiency and improve automation.
+ Demonstrate agility and the ability to work at a fast pace by collaborating and anticipating stakeholder needs to deliver expanded analytical and data capabilities that enhance risk management practices across Small Business Lending Risk.
+ Collaborate with other functions to drive continuous improvements in efficiency, controls, and consistency.
+ Contribute to deep dives and prepare presentations for senior Risk forums and field leadership calls.
+ Partner with other members of the Risk Reporting, Analytics, and Data team to identify root causes of data issues and work towards timely remediation.
**Required Qualifications, Capabilities, and Skills**
+ Bachelor's degree in Data Analytics, Computer Science, Business MIS, or a related field.
+ 1+ years of experience in data analytics and reporting, with a solid grasp of Business Intelligence concepts, reporting and dashboard development, and statistical analysis.
+ Strong skills in project management, communication, and attention to detail.
+ Proficiency in SQL, Alteryx, or Tableau.
+ Ability to transform large datasets into actionable insights and offer strategic perspectives to various levels of leadership
**Preferred Qualifications, Capabilities, and Skills**
+ Master's degree in data analytics or statistics.
+ Hands-on experience with Python, R, Cognos, or Power BI.
**To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT).**
Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
Equal Opportunity Employer/Disability/Veterans

Join JPMorgan Chase and bring your expertise to our Risk Management and Compliance team. As a pivotal part of our organization, you will help keep JPMorgan Chase strong and resilient. You will play a crucial role in growing the firm responsibly by anticipating new and emerging risks and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class.

As an Associate within the Risk Reporting Analytics and Data team, you will be a part of the Reporting & Analytics team, collaborating to develop and deliver analytical Risk dashboards and reports. These tools will provide senior Risk leadership with essential insights to navigate the evolving small business landscape. This role demands close collaboration with stakeholders across the Business Banking Lending Risk team to enhance our analytic and reporting capabilities, thereby improving risk management practices. You will play a crucial role in building and automating reliable reporting and dashboards, ensuring their accuracy, and supporting key Risk initiatives with comprehensive analytical resources utilizing extensive small business data. Your contributions will foster a culture of innovation and stability, aligning with the organization's commitment to excellence.

Job Responsibilities

• Design, development, launch, and maintenance of a portfolio of dashboards and reporting tools.
• Develop the next-generation suite of data analytics to support the stakeholders across Small Business Lending Risk.
• Create comprehensive datasets and analytics from diverse data sources to facilitate in-depth analysis for senior management.
• Shift reporting to Cloud-sourced data, and identify and automate data routines, processes, and reporting to enhance efficiency and improve automation.
• Demonstrate agility and the ability to work at a fast pace by collaborating and anticipating stakeholder needs to deliver expanded analytical and data capabilities that enhance risk management practices across Small Business Lending Risk.
• Collaborate with other functions to drive continuous improvements in efficiency, controls, and consistency.
• Contribute to deep dives and prepare presentations for senior Risk forums and field leadership calls.
• Partner with other members of the Risk Reporting, Analytics, and Data team to identify root causes of data issues and work towards timely remediation.

Required Qualifications, Capabilities, and Skills

• Bachelor's degree in Data Analytics, Computer Science, Business MIS, or a related field.
• 1+ years of experience in data analytics and reporting, with a solid grasp of Business Intelligence concepts, reporting and dashboard development, and statistical analysis.
• Strong skills in project management, communication, and attention to detail.
• Proficiency in SQL, Alteryx, or Tableau.
• Ability to transform large datasets into actionable insights and offer strategic perspectives to various levels of leadership

Preferred Qualifications, Capabilities, and Skills

• Master's degree in data analytics or statistics.
• Hands-on experience with Python, R, Cognos, or Power BI.

To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT).

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

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 looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.

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:

• Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
• Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
• May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership.
• Develops industry knowledge and competitive benchmarking to inform credit strategy development.
• Uses quantitative analysis based upon internal and external data sources to solve analytical projects.
• Assists with developing, managing, and presenting comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
• Performs financial risk sensitivity analysis.
• Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended.
• Applies programming and analytical techniques to analyze credit data
• May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.
• 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:

• Bachelors degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline.
• Developing understanding of banking regulations, risk, and compliance.
• Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python.
• Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

What sets you apart:

• High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau)
• Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements
• Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk
• Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models)
• Experience preparing presentation materials for executive level audiences
• US military experience through military service or a military spouse/domestic partner

Compensation range: 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, F-1, 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.