Risk Analyst Senior - P&C Risk Portfolio and Innovations

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.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

This Senior Risk Analyst serves as a strategic risk advisor to the P&C Portfolio Team and key business partners. This role helps leaders in SLOD and FLOD understand portfolio risks, dependencies, assumptions, and emerging issues associated with strategic initiatives, transformation efforts, and evolving business priorities. The successful candidate applies strong analytical, business, and relationship management skills to provide actionable insights, identify interconnected risks, and support informed decision-making across the portfolio.

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

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 using advanced knowledge.
• Communicates results of risk assessments to governance committees, business process owners and various levels of leadership.
• Implements new risk policies, practices, appetites and solutions to ensure holistic understanding and management of risks according to industry best practice.
• Enhances and contributes to strategies, tools, and methodologies to measure, monitor, and report risks.
• Applies advanced knowledge to utilize or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.
• Serves as a key contributor in cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.
• Formulates 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 related field; OR 4 years of relevant education and/or experience.

Experiences that will support your success:

• 6 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 and 4 years of work experience in a discipline relevant to risk management.
• Risk management experience in a complex institution and/or highly matrixed environment.
• Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.
• Ability to effectively work with both internal and external partners in a highly collaborative environment.
• Demonstrated critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include demonstrated ability to effectively make data-driven decisions.
• Proactively identifies potential concerns and follows-up to resolve issues.
• Advanced knowledge of Microsoft Office products including Excel and PowerPoint.

What sets you apart:

• Military experience acquired through U.S. military service, or experience gained as a military spouse or domestic partner.
• Experience in enterprise, operational, or strategic risk management.
• Experience working in a Portfolio Management Office (PMO), portfolio governance function, or transformation office.
• Background in financial services, insurance, or another highly regulated industry.
• Strong business acumen with the ability to communicate effectively with senior leaders and think strategically across complex systems.
• Ability to identify and assess portfolio dependencies, risks, assumptions, and potential downstream impacts.
• Strong analytical skills, including the ability to independently evaluate data and translate findings into actionable insights.
• Experience in the Property & Casualty (P&C) insurance industry.
• Experience supporting innovation initiatives, pilot programs, test-and-learn environments, or emerging business opportunities.
• Experience leading or supporting portfolio management efforts and organizational change initiatives.

Compensation range: The salary range for this position is: $103,450 - $197,730.

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.