AML-CIP Business Advisor Lead at USAA (Charlotte, NC)

| Charlotte, NC
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Purpose of Job

About USAA
USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

This position is a Hybrid position within commutable distance in San Antonio TX or Charlotte NC. Remote Opportunity outside of commutable distance.

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

Primary Responsibilities:
  • Identifies and manages existing and emerging risks that stem from business activities and the job role.
  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
  • Follows written risk and compliance policies, standards, 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 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
  • 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.

Preferred Experience:
  • 6+ years of experience in AML
  • 6+ years of experience working for larger financial institutions
  • CAMS Certification and other AML Certifications
  • Subject Matter Expert for KYC/BSA/AML
  • Subject Matter Expert for CIP
  • Self-starter with ability to operate with limited direction
  • Able to succeed in a highly matrixed and siloed environment
  • 2+ years direct experience working with Data and Technology teams with proven delivery on larger-scale initiatives
  • Knowledge of Project Management and Change Management around large-scale initiatives
  • Experience working on teams that drive transformation
  • Ability to interact and present details to internal exam management and compliance testing
  • Direct management of Controls

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: $80,200-144.500*.

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.

To see details on our outstanding benefits, visit USAA Total Rewards.

Relocation assistance is not available for this position.
More Information on USAA
USAA operates in the Insurance industry. The company is located in Phoenix, AZ, Colorado Springs, CO, Plano, TX, San Antonio, TX, Austin, TX, Tampa, FL, Tampa, FL and Chesapeake, VA. It has 35000 total employees. It offers perks and benefits such as Flexible Spending Account (FSA), Disability insurance, Dental insurance, Vision insurance, Health insurance and Mental health benefits. To see all 59 open jobs at USAA, click here.
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