Risk Analyst II

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

The Risk Analyst II is responsible for assessing and overseeing enterprise and business exposures, including key and emerging risks, while demonstrating strong curiosity and a deep interest in understanding the “why” behind risk to drive effective root cause analysis. The position monitors the overall risk and control environment and provides effective challenge to both internal and external stakeholders to ensure exposures remain within acceptable risk tolerances. The individual leads cross‑functional initiatives, ensuring deliverables, milestones, and timelines stay on track, and brings prior experience developing and managing Risk Appetite Metrics (RAMs) and Key Risk Indicators (KRIs) within a major financial institution. The role leverages a working knowledge of AI tools to improve processes, enhance operational efficiency, and strengthen risk insights, supported by hands‑on experience with analytical tools such as SQL, Python, and Snowflake. Strong written and verbal communication skills are essential, with the ability to influence stakeholders, escalate matters appropriately, and clearly report risks and trends to governance bodies and senior leadership.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position is located in Plano, TX

Relocation assistance is not available for this position.

What you'll do:

• Partners with key stakeholders in the business to identify, assess, aggregate and document risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and third-party operations utilizing maturing knowledge.
• Assists in communicating results of risk assessments to governance committees, business process owners and various levels of leadership.
• Supports the implementation of new risk policies, practices, appetites and solutions to ensure holistic understanding and management of risks according to industry best practice.
• Supports processes that focus on enhancing strategies, tools, and methodologies to measure, monitor, and report risks.
• Applies maturing knowledge to participate in producing analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.
• Contributes in cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.
• Assists in the formulation of stress test plans for a line of business or the enterprise including the evaluation of results and framing of contingency plans in partnership with key business stakeholders.

What you have:

• Bachelor's degree in Risk Management, Business, Finance, or a related field.
• 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

• 2 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area.
• Or advanced degree/designation in Risk Management, Business, Finance, or other discipline relevant to risk management.
• Knowledge of risk management principles, tools and applicable systems.
• Risk management experience related to banking, insurance and/or financial services.
• Ability to work with internal and external partners in a collaborative environment.
• Working knowledge of data analysis tools and techniques.
• Working knowledge of Microsoft Office products including Excel and PowerPoint.

What sets you apart:

• Demonstrates natural curiosity and a strong interest in understanding the “why” behind risk to support effective root cause analysis
• Working knowledge of AI tools and the ability to leverage AI to improve processes and drive operational efficiency
• Proven experience leading cross‑functional initiatives while ensuring milestones and timelines remain on track
• Prior experience developing and/or overseeing Risk Appetite Metrics (RAMs) and Key Risk Indicators (KRIs) within a major financial institution
• Hands‑on experience with analytical tools such as SQL, Python, and Snowflake
• Strong written and verbal communication skills with the ability to influence and engage stakeholders
• U.S. military experience, either through direct service or as a military spouse/domestic partner, preferred

Compensation range: The salary range for this position is: $69,920 - $133,620.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

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