Fraud Examiners, Investigators and Analysts

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all 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!

As a dedicated Program/Project Management Lead, you will facilitate and leads the execution and delivery of moderately to highly complex non-IT work efforts intended to accomplish business goals and objectives within prescribed timeframes and budgets. Demonstrates an expert understanding of how activities contribute to the achievement of strategic business goals and operational objectives. Collaborates with key stakeholders, vendors, and project/program teams to identify mutually beneficial outcomes for competing priorities and negotiate timelines to ensure objectives are met.

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, Phoenix, AZ, Charlotte, NC, or Tampa, FL.

Relocation assistance is not available for this position.

This position can work remotely in the continental U.S. with occasional business travel.

**The Opportunity**

+ Drives implementation of moderately to highly complex work typically requiring confidentiality and enterprise-level insight to achieve strategic business goals and operational objectives.

+ Works closely with cross-functional teams and resources to achieve program and achievements within established timeframes.

+ Manages risk by using established risk management practices to address execution challenges associated with quality, schedule, and costs, in adherence with risk management framework.

+ Accountable for planning, advising, and coordinating activities for moderately sophisticated and work efforts to accomplish goals and objectives within a specified timeframe, scope and budget.

+ Ensures consistent visibility for teams by supervising and reporting business objectives, work efforts achievements, and key indicators.

+ Communicates with work efforts partners and executive/senior management and provides insight on issues through root cause analyses.

+ Facilitates collaboration on creative alternatives to project challenges with subject matter experts.

+ Removes obstacles and impediments to ensure business and operational objectives are met.

+ Develops, tracks, and leads all aspects of project budgets that may include vital capital expenditures, operational expenses, and labor funding requirements.

+ Manages ambiguity and consistently seeks to drive clarity amongst project partners.

+ Ensures compliance with company and regulatory policies and procedures.

+ Defines the control and the overall delivery of the work efforts to meet the goals, objectives, and success criteria.

+ Establishes overall cadence for communication with impacted stakeholders and provides framework for underlying work efforts(s) communication plans.

+ Identifies and determines interdependencies of work within a work effort.

+ Participates in work effort closure activities to determine benefit / business impact realization to include retrospective management.

+ Proactively manages risk by using work efforts management practices to address execution challenges associated with quality, schedule and cost and supports critical issues to resolve.

+ Adheres to EPMO processes, procedures, controls, standards, tools, and templates (as required).

+ Drives adoption and challenges standards. Leads subject matter experts.

+ Drives the adoption and sustainment of changes within the organization in compliance with USAA’s Change Management methodology.

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

**What you have:**

+ Bachelor’s degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 8 years of proven experience in project or program management, including planning, tracking and delivery.

+ Expert knowledge of project management tools and methodologies.

+ Experience on project and program management and execution experience delivering complex work efforts working with recognized program and/or project methodologies (i.e. Waterfall and Agile).

+ Collaboration skills in a matrixed environment including providing consultative mentorship to help solve enterprise level issues.

+ Extensive experience leading complex projects with significant number of results including information technology and dependencies across organization; working within defined scope and budgets with aggressive timelines.

+ Extensive understanding of risk management policies and procedures.

**What sets you apart:**

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

+ Experience presenting high level information to stakeholders

+ Professional experience in PI planning or coordinating large project workloads using PPT, JIRA, Rally, Clarity

+ Understanding of SAFE Agile Methodologies

+ Familiarity with issue management framework from end-to-end

+ Proven track record to quickly understand complex topics and speak to newly acquired information succinctly.

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: **$120,550 - $216,990.**

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 Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

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

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

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

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

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

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

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

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all 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!

As a dedicated Fraud Prevention and Detection Analyst Lead, you will provide expert knowledge of fraud policies, processes, systems, Litigation, and industry practices to help detect and minimize high-risk and/or suspicious activities. Protects member assets by minimizing fraud loss, risk exposure and by providing efficient customer service; assists with developing fraud prevention and detection business plans that provide employees with resources and information to accomplish business objectives.

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, Phoenix, AZ, Charlotte, NC, or Tampa, FL.

Relocation assistance is not available for this position.

This position can work remotely in the continental U.S. with occasional business travel.

**The Opportunity**

+ Identifies trends and patterns in fraud activity and suggests rule/policy changes to assist with preventing fraud losses.

+ Leverages expert business/analytical knowledge to identify process/strategy deficiencies and provides recommendation for process improvement.

+ Monitors operational metrics to provide insight to management on business performance and recommends solutions and improvements for fraud prevention.

+ Reports validated fraud activity to Strategy Teams, Financial Security Investigations and Fraud Recovery Teams, and/or Special Investigations Unit team and performs ad-hoc report analysis to identify fraud patterns.

+ Responsible for researching, resolving, and providing timely response to fraud activity research requests.

+ Succinctly delivers complex analysis/findings in a manner that conveys understanding, influences management team and executives.

+ Exhibits high level of integrity during presentations and interactions with executive leadership.

+ Provides guidance to fraud investigators and serves as a resource to team on escalated issues of a complex nature.

+ May provide input to policies, programs and other efforts crafted to prevent, detect, identify, and resolve fraudulent activity by customers, potential customers, and outside agents.

+ Responsible for driving action plans for issue management to mitigate potential risks and identify gaps within operational processes.

+ Consults with internal partners on standard methodologies, processes, and procedures to prevent financial losses from fraud, answers incoming internal partner inquiries.

+ May collaborate with outside Counsel and Litigation partners to develop strategy on litigated matters.

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

**What you have:**

+ Bachelor’s Degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 8 years of risk management, fraud investigation or fraud prevention/detection experience in a financial services industry.

+ Expert knowledge of enterprise fraud management platforms and techniques used to identify fraud trends.

+ Knowledge and understanding of fraud investigations as well as application of case law and state laws and regulation.

+ Extensive experience supporting risk/compliance initiatives within the business.

+ Experience resolving and working through escalated and complex customer issues.

+ Demonstrated ability to rapidly absorb and synthesize data to form an accurate understanding of context and issues and make strategic and tactical recommendations to business partners.

+ Excellent verbal, written, and interpersonal communication skill.

+ **Specific to Bank incumbents:** General knowledge of REG CC, REG E, REG O and or REG Z Certificates and Designations Association of Certified Fraud Examiners (ACFE) preferred fraudulent activities for a wide range of enterprise financial products and services.

**What sets you apart:**

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

+ Proven ability to quickly understand complex topics and speak to newly acquired information succinctly.

+ 4 years of experience with process mapping and/or design to provide short/long term driven solutions

+ Extensive experience performing deep dives and performing root cause analysis

+ Understanding of process and procedure flows to provide applicable feedback

+ Experience process mapping and optimizing workflows

+ Executive presenting skills

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: **$89,990 - $161,990.**

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 Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

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

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

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

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

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

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

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

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all 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!

As a dedicated Manager of Bank Business Operations, you will directly manage a group of non-member contact employees and/or resources that provide support for Bank Business Operations (Deposit Operations, Card Services, Cash Management, Loan Servicing, and other Bank Products) through fulfillment of a variety of Banking functions that help the business meet set goals and objectives. Proactively identifies, develops, recommends, and implements improvements to products, processes, and delivery of service. Organizes and leads the execution of operational and strategic business plans.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Charlotte, NC, or Tampa, FL.

Relocation assistance is not available for this position.

This position can work remotely in the continental U.S. with occasional business travel.

**The Opportunity**

+ Leads team responsible for applying business operations knowledge to understand and identify customer gaps in performance; improves the information to develop, modify, and re-engineer customer specific process program plans in alignment with business results and enterprise strategy to achieve the level of desired performance.

+ Identifies, influences and/or drives opportunities for process improvements and serves as a subject matter expert in providing guidance in the development, evaluation, and implementation of system enhancements or process improvements.

+ Responsible for ensuring operational changes/process improvements stay in sync with all federal, state, local laws, and internal Bank policies.

+ Interacts with cross-functional product stakeholders to deliver and increase efficiency and effectiveness to meet the production unit's key performance and risk indicators.

+ Ensures team is using reporting, data, and analytics to measure process and project performance, adjust services and operational activities, and inform key stakeholders of the results.

+ Fosters proactive communication between business/enterprise processes and support team to improve delivery, value, and integration of change management into business/enterprise processes.

+ Performs people management functions including team building, project/workload assignment, training, monitoring of work activity, performance evaluation and systems data entry.

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

**What you have:**

+ Bachelor’s degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 6 years of experience in a retail bank environment accountable for non-member or non-customer contact operations, processes, vendor relationships, contracts, or initiatives

+ 2 years of direct team lead, supervisory or management experience

+ Demonstrated experience organizing and leading the execution of strategic business plans and/or and risk management initiatives.

+ Advanced knowledge of current standard methodologies in banking operational functions

+ Experience in program/project or supplier management, process improvement, or business analysis

**What sets you apart:**

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

+ Professional experience within Fraud Operations, understanding of regulatory impacts on Fraud

+ Experience within Agile Methodologies and Program/Project Management requirements

+ Extensive understand of process and procedure management, project management, and/or project work

+ Proven ability to quickly understand complex topics and speak to newly acquired information succinctly.

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: **$81,770 - $147,190.**

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 Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

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

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

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

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

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

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

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

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all 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!

As a dedicated Manager of Reporting and Analytics, you will be responsible for leading a team of business analysts to provide business related consultation and/or the design, implementation, administration, monitoring, integration, and analysis of the department. Serves as the data and technology focal point for Workforce Planning to consult, assess, recommend, and acquire efficient technology solutions to identified complex business problems that are aligned with business strategy and coordinated with the Data Warehouse. The leader supports Workforce Planning leadership with critical initiatives and fulfills business plans to ensure department success.

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, Phoenix, AZ, Charlotte, NC, or Tampa, FL.

Relocation assistance is not available for this position.

This position can work remotely in the continental U.S. with occasional business travel.

**The Opportunity**

+ Partners with the business and Information Technology to meet the data needs for data reporting, analytics, and complex projects.

+ Manages the control, protection, extraction, compilation, analysis and reporting of data.

+ Leads team by participating in projects involving integration across CoSA and non-CoSA owned systems.

+ Ensures that requirements are accurately represented and prioritized, coaching users through the requirement definition process as required.

+ Interacts across key enterprise partners to deliver and improve efficiency and effectiveness of the reporting needs.

+ Responsible for setting BI development strategy to ensure that BI solutions are aligned with business requirements and support fact-based decision making.

+ Responsible for the data integrity of complex data models, data marts, and integration of all data into the Data Warehouse.

+ Establishes quality assurance and audit processes that ensure data integrity, accuracy, and protection as vital.

+ Maintains adequate controls and conducts periodic reviews to ensure compliance with Federal laws, statutes for state/locality, and company policies.

+ Engages with senior management and/or general counsel to obtain approvals to release sensitive data.

+ Performs people management functions including employee selection, team building, project/workload assignment, employee training, monitoring of work activity, performance evaluation and pay management decisions.

+ Coordinates inputs from multiple sources, synthesizes data/information and creates qualitative commentary capturing key messages.

+ Provides professional/technical coaching and guidance to team.

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

**What you have:**

+ Bachelor’s Degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 6 years of experience in an analytical or technical support function or general data analysis/extraction experience, and statistics.

+ 2 years of direct team lead, supervisory or management experience.

+ Advanced knowledge of data reporting/analysis tools and techniques; requirements gathering.

+ Experience in creating automated reports and interactive visualizations using tools such as Python and Tableau.

+ Expert knowledge of Microsoft Office tools to include Word, Excel, and PowerPoint.

**What sets you apart:**

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

+ Experience retrieving and manipulating data within SAS and SQL within a cloud based environment

+ Understanding of Python and actimize products

+ Up to 4 years of fraud data and analytics experience

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: **$109,130 - $196,430.**

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 Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

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

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

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

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

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

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

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

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all 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!

As a dedicated Program/Project Management I, you will facilitate and engages in the planning, execution, and delivery of low to moderately complex non-IT work efforts intended to accomplish business goals and objectives within prescribed timeframes and budgets. Demonstrates a proficient understanding of how activities contribute to the achievement of strategic business goals and operational objectives. Collaborates with key partners, vendors, and project/program teams to identify mutually beneficial outcomes for competing priorities and negotiate timelines to ensure objectives are met.

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, Charlotte, NC, Phoenix, AZ, Tampa, FL.

Relocation assistance is not available for this position.

This position can work remotely in the continental U.S. with occasional business travel.

**The Opportunity**

+ Works closely with cross-functional teams and resources to achieve multiple program and project landmarks within established timeframes.

+ Assists in the planning and coordination activities for low to moderately complex and work efforts through the development of plans intended to accomplish goals and objectives within prescribed timeframes, scope, and budgets.

+ Assists in ensuring consistent visibility for teams by monitoring and reporting business objectives, /work efforts achievements, and key indicators.

+ Identifies and removes obstacles and impediments to ensure team objectives are met.

+ Develops and tracks project budgets that may include necessary capital expenditures, operational expenses, and labor funding requirements.

+ Ensures compliance with company and regulatory policies and procedures.

+ Assists in the creation of the master work efforts plan from the underlying plans (if applicable).

+ Supports senior Program / Project Managers in scheduling, prioritization, and sequencing for work efforts.

+ Establishes overall cadence for communication with impacted partners and provides framework for underlying work efforts(s) communication plans.

+ Participates in creation and adherence to business case.

+ Participates in work effort closure activities to determine benefit / business impact realization.

+ Assists in managing risk by using risk management practices to address execution challenges associated with quality, schedule, and cost, in adherence with risk management framework.

+ Adheres to EPMO processes, procedures, controls, standards, tools, and templates (as required).

+ Adheres to governance rigor required for work effort.

+ Supports driving the adoption and sustainment of changes within the organization in compliance with USAA’s Change Management methodology.

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

**What you have:**

+ Bachelor’s degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 4 years of experience in project or program management, including planning, tracking and delivery.

+ Knowledge and demonstrated application of project management tools and methodologies.

+ Possess an understanding of scope definition, process, and solution mapping; process structures and components; and standard project planning methodologies.

+ Understanding of risk management policies and procedures.

**What sets you apart:**

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

+ Professional experience in PI planning or coordinating large project workloads using PPT, JIRA, Rally, Clarity

+ Understanding of SAFE Agile Methodologies

+ Familiarity with issue management framework from end-to-end

+ Proven track record to quickly understand complex topics and speak to newly acquired information succinctly.

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: **$74,210 - $133,570.**

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 Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

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

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

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

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

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

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

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

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all 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!

As a dedicated Business Advisor I, you will advise stakeholders by providing business planning guidance to include research, development, planning and implementation of procedures and processes to increase business viability and ensure compliance and/or product competitiveness and profitable growth. Develops and implements solutions to influence business decisions for relevant CoSA or line(s) of business. Assists with the development of best in practice solutions to complex business challenges. Identifies opportunities to change, improve, or streamline existing business projects and initiatives. Identifies regulatory and/or operational gaps within the experience to mitigate key risks associated with financial, reputational or member harm.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Charlotte, NC, or Tampa, FL.

Relocation assistance is not available for this position.

This position can work remotely in the continental U.S. with occasional business travel.

**The Opportunity**

+ Seeks opportunities and provides guidance on procedure and process improvements to influence business optimization.

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

+ Defines acceptance criteria, requirements, provides artifacts and acquires approvals for business processes/initiatives and responsible for required documentation of business decisions.

+ Coordinates with appropriate stakeholders and program/project sponsors to help ensure successful product and initiative implementation.

+ Coordinates training, communications such as job aids and related activities for new processes, procedures and/or product changes.

+ Conducts periodic testing against key controls and take necessary actions to address issues

+ Assists with the development and execution of operational reporting.

+ Assists in the collection and documentation of business decisions in accordance with enterprise record retention standards.

+ Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 4 years of project management, process consulting, or business optimization planning experience.

+ Proficient knowledge of industry technology applications such as Salesforce, SharePoint, Portal, CRM, CBS, Fiserv, KDIM, Fidelity, Metric Stream, or other industry related applications.

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

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

+ Proficient knowledge of Microsoft Office tools.

**What sets you apart:**

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

+ 2+ years of experience designing process enhancements regarding risk and optimal flows inclusive of short and long term planning

+ 2+ years of experience in Fraud Operations (excluding fraud call center)

+ Professional experience with procedure writing and/or white papers for presenting to leadership

+ Proven ability to quickly understand complex topics and speak to newly obtained information succinctly.

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: **$67,220 - $121,000.**

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 Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

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

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

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

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

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

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

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.

**Company :**

Highmark Inc.

**Job Description :**

**JOB SUMMARY**

This job is responsible for development and implementation of strategic audit plans utilizing numerous inputs including contracts, industry trends and revenue maximization schemes. The incumbent will also work with other audit team members and external vendors to develop specific auditing techniques to identify overbilling and potential recoveries/ savings. Will be called upon as a subject matter expert for investigations providing guidance and mentoring to investigative team. Must be able to testify in a court of law, prepare cases for referral to various federal, state and local law enforcement entities and work with those agencies through closure of the case. Conduct audits for proactive and investigative purposes to comply with internal audit and regulatory requirements.

**ESSENTIAL RESPONSIBILITIES**

+ Analyze and evaluate claim processes specific to professional, hospital, ambulatory surgical center, home health and durable medical equipment to identify key areas of risk exposure and develop plans to mitigate risks and maximize financial recoveries/savings.

+ Work with audit teams and external audit vendors to identify overbilling, determine data analysis routines and audit approaches.

+ Work with operational areas to recover identified overpayments, performing a follow-up review to ensure that the claims were adjusted correctly, resulting in expected recovery/savings.

+ Perform claims system extracts and create reports, graphs, and charts to timely identify trends and patterns of potential healthcare fraud, waste and abuse. Communicate findings to company management of various areas including provider relations, reimbursement etc.

+ Calculate overpayments in established fraud, waste or abuse cases. Identify all fraudulent activity included in the case, determine what lines of business were involved in the fraudulent activity, and measure overpayment by means of sampling or complete review. Negotiate settlements with providers.

+ Maintain current case related information on all applicable case management tracking systems.

+ Provide investigative support and mentoring to investigative team members.

+ Function as a project lead for special investigation projects of varying complexity.

+ Other duties as assigned or requested.

**EDUCATION**

**Required**

+ Bachelor's degree in Accounting, Finance, Business Administration, Nursing, IT or Related Field

**Substitutions**

+ 6 years of related and progressive experience in lieu of Bachelor's degree

**Preferred**

+ Master's degree in Fraud, Forensics Accounting, Business or related field

**EXPERIENCE**

**Required**

+ 7 years of in the Health Insurance industry and/or Healthcare Fraud investigations

+ 3 years in leading projects of varying size and complexity

**Preferred**

+ 5 years in Financial Analysis in an acute care hospital or health insurance setting

+ 5 years in professional billing, facility Patient Financial Services, HIM, Internal Audit, Professional/Facility Reimbursement or Provider Contracting

**LICENSES or CERTIFICATIONS**

**Required**

+ None

**Preferred**

+ Certified Fraud Examiner (CFE)

+ Certified Professional Coder (CPC)

+ Certified Professional Coder- Hospital(CPC-H)

+ Certified Outpatient Coder (COC)

+ Accredited Healthcare Fraud Investigator (AHFI)

**SKILLS**

+ Must have knowledge of provider facility payment methodology, claims processing systems and coding and billing proficiency

+ Must have understanding of technical and financial aspects of the health insurance industry

+ Strong personal computer skills, along with the ability to use fraud/abuse data mining tools are required

+ Must possess excellent communication skills and be detailed oriented

+ Strong written and oral communication skills

+ Strong relationship building skills

+ Client focused with strong business acumen

+ Self-starter with the ability to work under pressure independently and as part of a team

+ Ability to think strategically and act proactively to create strong trust and confidence with business units

+ Strong innovative problem-solving capabilities

**Language (Other than English):**

None

**Travel Requirement:**

0% - 25%

**PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS**

**Position Type**

Office-based

Teaches / trains others regularly

Frequently

Travel regularly from the office to various work sites or from site-to-site

Rarely

Works primarily out-of-the office selling products/services (sales employees)

Never

Physical work site required

Yes

Lifting: up to 10 pounds

Constantly

Lifting: 10 to 25 pounds

Occasionally

Lifting: 25 to 50 pounds

Rarely

**_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._

**_Compliance Requirement_** _: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies._

_As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company’s Handbook of Privacy Policies and Practices and Information Security Policy._

_Furthermore, it is every employee’s responsibility to comply with the company’s Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements._

**Pay Range Minimum:**

$78,900.00

**Pay Range Maximum:**

$146,000.00

_Base pay is determined by a variety of factors including a candidate’s qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._

Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities, and prohibit discrimination against all individuals based on their race, color, age, religion, sex, national origin, sexual orientation/gender identity or any other category protected by applicable federal, state or local law. Highmark Health and its affiliates take affirmative action to employ and advance in employment individuals without regard to race, color, age, religion, sex, national origin, sexual orientation/gender identity, protected veteran status or disability.

EEO is The Law

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled/Sexual Orientation/Gender Identity ( _https://www.eeoc.gov/sites/default/files/migrated\_files/employers/poster\_screen\_reader\_optimized.pdf_ )

We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact number below.

For accommodation requests, please contact HR Services Online at [email protected]

California Consumer Privacy Act Employees, Contractors, and Applicants Notice

Req ID: J242681

**Work Location:**

Remote Mount Laurel (NJ)

**Hours:**

40

**Pay Details:**

$86,840 - $139,360 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

**Line of Business:**

Financial Crimes & Fraud Mgmt

**Job Description:**

The **Manager, Fraud Claims Analytics & Strategy** is responsible for representing Fraud Performance Management in initiatives related to Claims, with the primary goal of improving our loss position and determining fraud patterns. The Manager, Fraud Claims Analytics & Strategy will take the lead in project management to drive changes that improve workflow design, data capabilities, and maximize return-on-investment from a fraud analytics approach. This role is also responsible for completing data-driven exercises to inform business intelligence, identify gaps and opportunities, and enhance Claims processes.

This is a **Remote** opportunity working **Monday - Friday 8:00am to 5:00pm.**

**Depth & Scope:**

+ Provides people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance and compensation decisions, promoting teamwork and handling any/all disciplinary actions, as required

**Fraud Losses Management**

+ Reviews fraud attacks to understand and address coverage gaps

+ Participates in quarterly and annual fraud loss forecasting exercises

+ Develops insights and rules to deliver fraud loss plan

+ Manages shifting network rules and liability requirements

+ Uncovers and resolves process gaps throughout the Bank

+ Provides alert support to address emerging threats

**Fraud Rule Management**

+ Manages strategy design and configuration in all fraud prevention platforms (e.g. Falcon, TSYS, FIS, SQN, PRM, Citadel, DPS, VCAS, Avant, Experian and TransUnion)

+ Changes socialization and adherence to Change Management protocols

**Fraud Operational Support**

+ Participates in operational forecasting and capacity planning

+ Manages fraud case prioritization strategy to optimize return-on-investment

+ Manages strategic intent for Operational & Contact processes

+ Effectively partners with Defect Managers to identify and remediate coverage gaps

**Design/Update Monitoring & Reporting**

+ Identifies and addresses key reporting needs required to manage fraud losses, providing design input into enterprise reporting needs

+ Supports existing monitoring by refreshing reports when data or requirements change

**Partner Support – TD Partners Outside of FC&FMG**

+ Supports project intent and ongoing partner projects; provides risk identification and cost estimates

+ Leverages fraud expertise to help define fraud resilient products and processes

+ Provides post-launch IT validation and issue management

+ Ensures Fraud policy alignment and implementation

+ Provides monthly partner loss performance updates and participates in review sessions

**Support FC&FMG Intent**

+ Outlines data needs for rule-writing and effective management

+ Reviews and evaluates potential technology investments

+ Manages model prioritization, business validation and implementation

+ Supports audit and regulatory requests (data or intent)

**Manage External Relationships**

+ Provides TD perspective at various industry forums (CBA, MC, Visa, Interac, Auriemma, Clearing House)

+ Manages day-to-day vendor management for various Fraud vendors (e.g. Equifax, ACI, FICO, Fiserv, FIS, TMS)

**Education & Experience:**

+ Bachelor's Degree in a related discipline (e.g. Math, Statistics, Business) is required

+ Master's Degree in a related discipline is preferred

+ 7+ years relevant experience

+ Knowledge of systems and processes is preferred

+ Experience with SQL/SAS/Data manipulation tools required

+ Previous experience with related fraud is preferred

+ Solid understanding of TD Products and Channels

+ People management experience is an asset

+ Given the multiple business units the team supports, a proven ability to develop effective relationships with internal and external business partners is required

+ Conceptual thinker; ability to wade through data and arrive at conclusions

+ Strong interpersonal skills; comfortable interacting with team members of all levels

+ Strong communication and presentation skills; ability to communicate complex analyses into technical and non-technical terms (written and verbally)

+ Ability to take initiative and work independently under tight timelines

+ Strong team collaboration skills

+ Ability to effectively manage multiple projects and priorities simultaneously

+ Ability to reconcile numerous metrics and condense/summarize for our Executives and Business Partners

**Customer Accountabilities:**

+ Understands and supports the Bank’s Customer Service Strategy

+ Considers the impact of advice and decisions on the well-being of the Bank, as well as its customers, its employees and stakeholders

+ Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity

+ Leads, coaches and models quality service delivery at every interaction

+ Supports the ongoing improvement of the partner/Customer experience

**Shareholder Accountabilities:**

+ Supports the development and implementation of operational strategies and objectives to achieve measurable excellence in the quality delivery of sales, service and products aligned with Best Run concepts and overall enterprise strategy and objectives

+ Participates in establishing and executing plans and goals for the Business to drive toward results

+ Develops and maintains an operating budget, ensuring adherence to budget. May delegate budgetary assignments to direct reports, but maintains overall budgetary responsibility and oversight

+ Provides financial reports and analysis, including budget variances to management on a regular basis

**Employee/Team Accountabilities:**

+ Sets appropriate context for the business unit/function to enable optimal performance and alignment to strategy

+ Supports the creation of goals and objectives for the business unit/function. Communicates those goals and objectives to the team

+ Builds capability – Supports/executes plans to acquire, develop and retain the diverse teams with the skills and experience necessary to realize on current and future business strategies

+ Role models behaviors consistent with TD's leadership profile, customer and employee experience agendas and risk and control culture

+ Creates an extraordinary place to work — Advances and sustains a unique, inclusive culture that reflects TD’s diversity agenda, and creates an extraordinary employee experience

+ Leads, coaches and develops a highly effective team by ensuring ongoing training and performance and development management

**Physical Requirements:**

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

+ Domestic Travel – Occasional

+ International Travel – Never

+ Performing sedentary work – Continuous

+ Performing multiple tasks – Continuous

+ Operating standard office equipment - Continuous

+ Responding quickly to sounds – Occasional

+ Sitting – Continuous

+ Standing – Occasional

+ Walking – Occasional

+ Moving safely in confined spaces – Occasional

+ Lifting/Carrying (under 25 lbs.) – Occasional

+ Lifting/Carrying (over 25 lbs.) – Never

+ Squatting – Occasional

+ Bending – Occasional

+ Kneeling – Never

+ Crawling – Never

+ Climbing – Never

+ Reaching overhead – Never

+ Reaching forward – Occasional

+ Pushing – Never

+ Pulling – Never

+ Twisting – Never

+ Concentrating for long periods of time – Continuous

+ Applying common sense to deal with problems involving standardized situations – Continuous

+ Reading, writing and comprehending instructions – Continuous

+ Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

**Who We Are:**

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

**Our Total Rewards Package**

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (http://hrportal.ehr.com/tdtotalrewards)

**Additional Information:**

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

**Colleague Development**

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

**Training & Onboarding**

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

**Interview Process**

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

**Accommodation**

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected] . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

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.

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

**Work Location:**

Remote Wilmington (DE) No City Tax

**Hours:**

40

**Pay Details:**

-

TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

**Line of Business:**

Sales & Customer Distribution Support

**Job Description:**

US Fraud Capacity Planning and Workforce Management, will manage full scope of capacity planning for US Fraud Operations teams. Primary responsibilities are maintenance/creation of detailed capacity planning models as well as capacity review with relevant peers, partners, and executives. Additionally, this position will oversee various Workforce Management routines in partnership with Operations. This team manages full scope of forecast delivery for US Fraud Management team, including US Fraud Operations, Analytics, Digital, Check, Debit Card, Bank Card, Consumer Lending, and Strategic Card from creation of capacity plans, direct expense and fraud loss forecasts to review of all forecasts with peers, partners, and executives.

**Depth & Scope:**

+ Oversight of fraud attacks and trends impacting identified area

+ Partners with senior leadership to implement countermeasures in accordance with strategic goals

+ Participates in quarterly & annual fraud loss, and operational capacity forecasting exercises

+ Implements procedure and project changes

+ Adheres to Change Management protocols

+ Leverages business level reporting to identify fraud trends and provide insight based on area of oversight

+ Supports project development, intent & ongoing partner projects; provide risk identification and support the development of business insight for the project

+ Supports projects/ change by leveraging fraud expertise to help define fraud resilient products through the development of business level requirements and processes

+ Provides post launch Project and IT/ technology validation and issue management to ensure business and or fraud requirements are met

+ Ensures Fraud policy/process alignment & implementation for both fraud and supported business lines

+ Provides monthly business partner loss/operational performance updates and participate in review sessions

+ May be responsible for the day to day management of Fraud vendors

+ When working on formal projects, expectation is these projects are a moderate cost and risk rating/tier

**Education & Experience:**

+ Bachelor's degree in a related discipline

+ Bachelor's degree in Finance, Business, or Accounting, Preferred

+ 3-5 Years of related experience preferred in Finance, modeling, and/or capacity planning, or project management experience related to finance, modeling, and/or capacity planning

+ Preferred ability to create forecast modeling

+ Ability to effectively manage multiple projects and priorities simultaneously. preferred

+ Supervisory experience preferred

+ Excellent Excel and PowerPoint skills preferred

+ Proven ability to gather information and recommend solutions preferred

+ Experience in fraud management preferred

+ 3-5 years of work experience in a related capacity

+ Proficient with Microsoft Office applications; Advanced Excel preferred

+ Excellent process improvement skills, including the ability to evaluate procedures and recommend improvements preferred

+ Strong interpersonal skills; comfortable interacting with team members of all levels preferred

+ Excellent problem-solving and decision-making skills preferred

+ Exceptional active listening skills preferred

+ Proven ability to meet deadlines while simultaneously working on multiple tasks preferred

+ People management experience is an asset.

+ Given the multiple business units the team supports, a proven ability to develop effective relationships with internal and external business partners is preferred

+ Strong communication skills and a proven ability to develop effective relationships with external and internal business partners are preferred

+ Skilled in managing budgets, P&L and resource allocation

+ Ability to handle confidential information with discretion

**Customer Accountabilities:**

+ Supports the strategic direction of the fraud supported business and play a key role in the implementation of the overall business strategy while balancing Customer experience and fraud risk

+ Participates in identifying, designing and testing solutions and supporting the implementation of business projects/initiatives

+ Participates in discussion on strategic goals with partners in any given portfolio (output is roadmap and/ or strategic plan/ deliverables/ frameworks/ short to long term goals etc.)

+ Works effectively with multiple teams across a broad spectrum of initiatives and functional domains, influencing and aligning others as needed

**Shareholder Accountabilities:**

+ Collaborates with partners on business challenges and deliver fact-based advice that aligns to strategy and drives shareholder value

+ Supports the development and implementation of operational strategies/ standards/procedures and objectives to achieve measurable excellence in the quality delivery of sales, service, and products aligned with “industry best practice” and overall enterprise strategy and objectives

+ Participates in establishing and executing development/ input on fraud impact for business cases as well as drive towards execution of deliverables to meet the desired results

+ Develops and delivers presentations/ communications to management, stakeholders, and project owners after ensuring data analysis and insights are reviewed by management to validate accuracy and minimize errors

+ Will support the development of business requirements and facilitate project execution as well as educate/ train business users on how to integrate analytics into Decisions

+ Keeps abreast of emerging issues, trends, and evolving fraud risks and assess potential impacts to the Bank

+ Assesses/ identifies key issues and escalate to appropriate levels and relevant stakeholders where required

+ Maintains a culture of risk management and control, supported by effective processes and sound infrastructure and in alignment with risk appetite

**Employee/Team Accountabilities:**

+ Provides thought leadership and/or industry knowledge for own area of expertise

+ Supports a positive work environment that promotes service to the business, quality, innovation and teamwork; ensure timely communication of issues/ points of interest

+ Identifies and recommends opportunities to enhance productivity, effectiveness, and operational efficiency

+ Works effectively as a team, supporting other members of the team in achieving business objectives and providing client services

+ Participates in knowledge transfer within the team and business units

+ Role model behaviors consistent with TD's leadership profile, customer and employee experience agendas and risk and control culture

+ Creates an extraordinary place to work, advance and sustain a unique, inclusive culture that reflects TD’s diversity agenda, and creates an extraordinary employee experience

**Physical Requirements:**

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

+ Domestic Travel – Occasional

+ International Travel – Never

+ Performing sedentary work – Continuous

+ Performing multiple tasks – Continuous

+ Operating standard office equipment - Continuous

+ Responding quickly to sounds – Occasional

+ Sitting – Continuous

+ Standing – Occasional

+ Walking – Occasional

+ Moving safely in confined spaces – Occasional

+ Lifting/Carrying (under 25 lbs.) – Occasional

+ Lifting/Carrying (over 25 lbs.) – Never

+ Squatting – Occasional

+ Bending – Occasional

+ Kneeling – Never

+ Crawling – Never

+ Climbing – Never

+ Reaching overhead – Never

+ Reaching forward – Occasional

+ Pushing – Never

+ Pulling – Never

+ Twisting – Never

+ Concentrating for long periods of time – Continuous

+ Applying common sense to deal with problems involving standardized situations – Continuous

+ Reading, writing and comprehending instructions – Continuous

+ Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

**Who We Are:**

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

**Our Total Rewards Package**

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (http://hrportal.ehr.com/tdtotalrewards)

**Additional Information:**

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

**Colleague Development**

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

**Training & Onboarding**

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

**Interview Process**

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

**Accommodation**

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected] . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

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.

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

This position is responsible for conducting second level analysis to determine the validity of potential sanctions violations generated by the sanctions screening software and process the entries created. Performing analysis and developing a deeper understanding of AML/OFAC requirements and implications. Staying current on sanctions regulatory changes, screening best practices, key enforcement actions and related industry trends.

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

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

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

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

+ Conducts independent analysis and assessment to resolve strategic issues.

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

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

+ Ensures alignment between stakeholders.

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

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

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

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

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

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

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

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

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

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

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

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

+ Analyzes data and information to provide insights and recommendations.

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

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

+ Focus may be on a business/group.

+ Thinks creatively and proposes new solutions.

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

+ Works mostly independently.

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

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

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

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

+ Specialized knowledge from education and/or business experience.

+ Verbal & written communication skills - In-depth.

+ Collaboration & team skills - In-depth.

+ Analytical and problem solving skills - In-depth.

+ Influence skills - In-depth.

**Compensation and Benefits:**

$41,715.00 - $73,800.00

**Pay Type:**

Salaried

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

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

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

**We’re here to help**

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

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

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

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. BMO is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

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.