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USAA AML Business Advisor Lead in San Antonio, Texas

Purpose of Job

This position sits in Plano, San Antonio, or Remote Opportunity Available

Consults, develops and implements compliant Anti-Money Laundering/ Know Your Customer (AML/KYC) solutions to influence business decisions for relevant CoSA or line(s) of business. Develops effective best in practice solutions to the most complex business challenges. Identifies risks and opportunities to change, enhance, or streamline existing business projects and initiatives. Acts as a subject matter resource during solution development and implementation to guide businesses’ awareness, understanding of and compliance with key processes and relevant regulatory requirements (including but not limited to BSA, OFAC, USA Patriot act, etc.) that may span multiple areas of law or rules applicable to the business and its activities, members, services or products. Leads project prioritization and coordination to best manage business resource utilization within assigned functional area. Lead multiple projects with stakeholders across multiple functions.

Job Requirements


  • Identify and manage existing and emerging risks that stem from business activities and the job role.

  • Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled.

  • Follow written risk and compliance policies and procedures for business activities.

  • Provides gap analysis, recommendations, and strategic direction to enhance business programs, projects, agile projects and/or processes in a client consulting capacity in direct support of AML/KYC initiatives.

  • Leverages and shares best practices gained from expert industry knowledge to identify opportunities for business efficiencies and minimizes risk.

  • Researches, plans, develops, implements, and administers business requirements, procedures, contracts, and processes to ensure compliance, and adherence to USAA's commitment to being World Class.

  • Identifies strategic partners and stakeholders to successfully communicate programs strategic impact.

  • Leads a matrixed team to evaluate programs long term effectiveness and impact to business programs, as necessary.

  • Maintains and demonstrates awareness of primary regulation commonly applicable to regulated financial institutions in the U.S. (e.g. anti-money laundering, anti-bribery and corruption, fair lending and sales practices rules, etc.).

Minimum Requirements:

  • Bachelor's Degree OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degre

  • 8 years of experience with credit cards and/or deposits and/or directly related experience.

  • Experience and ability to exercise oversight, knowledge and understanding of financial crime and AML policies, procedures and control arrangements in a complex financial organization

  • Demonstrated ability in leading projects, which may have involved cross-functional teams, conducting research to identify root cause, system issues, process gaps and opportunities and providing viable solutions.

  • Ability to provide effective consultation, to all levels of management, using the latest industry best practices and internal resources.

  • Experience developing solutions and recommendations that will increase efficiency and improve business processes, projects, and programs.

  • Experience in negotiating, prioritizing and influencing to achieve desired business results.

  • Knowledgeable of the laws applicable to money laundering, including the Bank Secrecy Act, the USA PATRIOT act, US Treasury AML guidelines, OFAC requirements, and Suspicious Activity Reporting requirements.

  • Expert knowledge of disciplined execution, change management, and/ or risk management practices.

  • Extensive experience in supporting business processes to meet BSA/ AML or similar regulatory requirements.

  • Extensive experience leading change in a matrixed organization.

  • Expert knowledge of Microsoft Office tools.

When you apply for this position, you will be required to answer some initial questions. This will take approximately 5 minutes. Once you begin the questions you will not be able to finish them at a later time and you will not be able to change your response.

Preferred Experience:

  • 5+ year of extensive working knowledge of BSA AML Regulations

  • Extensive work experience conducting AML risk assessments and gap analysis

  • 5+ years of experience and deep subject matter expertise for Know Your Customer (KYC) requirements and KYC data quality

  • Extensive work experience for CIP and USA Patriot Act Requirements

  • Extensive work experience for CDD/EDD data collection and data quality

  • Deep knowledge of banking products and customer channels-does this include all bank products?

  • Familiar with system and technology for managing a KYC profile

  • Ability to multi- task and operate with great efficiency in a complicated, matrixed, and stressed work environment

  • Self-starter with the ability to build processes from the ground up, streamline and enhance existing processes with limited direction

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.


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 position. The salary range for this position is: $ 72,900.00 - $131,400.00 *(this does not include geographic differential it may be applied based on your work location). Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

*Geographical Differential:

Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

Shift premium : will be addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.


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.

Please click on the link below for more details.

USAA Total Rewards

Relocation assistance is NOT available for this position.

For Internal Candidates: Must complete 12 months in current position (from date of hire or date of placement) or must have manager’s approval prior to posting. Last day for internal candidates to apply to the opening is 5/11/2021 by 11:59 pm CST time


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.