US Fraud Operations and Fraud Risk Management

• Specializing in Operational & Compliance risks focused on Fraud & Financial Crimes risk across the enterprise.• Director within the SLOD providing oversight and managing the strategic direction of fraud and AML risk at USAA.• Responsible for risk management strategy and execution, directing assessments, and monitoring performance.• Focus on laws, rules, regulations, gap-analysis and general sound and safe activities through control or transactional testing, auditing, issue management, regulatory remediation, and process review. • Ensure responsible business units develop, implement, and administer Fraud and AML processes and procedures to protect USAA, its employees, and members in matters related to fraud risk or regulatory compliance.• Create, design, and oversee compliance testing strategies focused on Fraud, Financial Crimes, AML/CFT, ABAC, and Conduct while navigating with executive-level stakeholders across the enterprise.• Developed a new team and program to establish a newly added Fraud, Conduct and Ethics component within the Financial Crimes Team, expanding coverage with assigned audits, testing, controls, risks, and compliance efforts. • Coordinate with senior leaders, regulatory agencies, and external partners to effectively interpret remedial findings, design action plans for improvement, and ensure actions are executed and reported. • Work collaboratively with cross-functional business partners to ensure effective and efficient solutions are implemented to resolve operational or compliance issues related to Fraud, AML and related programs.• Build and manage a high performing team of professionals through recruitment, training, coaching, performance management and related managerial activities. • Ensures enterprise-wide risks associated with all business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

• People leader overseeing operational risks and data collection, including detailed reviews of significant events to ensure appropriate remediation plans are implemented, and to identify trends for potential emerging risks.• Develops department strategy and provides direction to support the fraud department mission and goals to include the investigative process, assignment of investigations, recovery/restitution, investigative analytics, and regulatory reporting.• Direct staff in investigating cases involving elements of fraudulent activity across several verticals, including but not limited to fraud, financial crimes, concealment, misrepresentation, account take-over, and AML/CFT. • Reviews fraud attacks/ emerging threats to understand & address coverage gaps within strategies, policies, procedures, and prioritizations to deliver on fraud loss plans and optimize return on investment.• Builds and oversees a team of employees in Fraud Investigations through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities.• Protects member assets by minimizing fraud loss, risk exposure and by providing optimal customer service.• Confirm compliance with policies and procedures contributing to fraud control objectives and compliance with local, state, and federal related laws and regulations such as PCI, GLBA, BSA, and DOI.• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.• Contribute to establishing and implementing policies and procedures for fraud control and investigative practices.• Fraud Commander leading anti-fraud response to large-scale catastrophic events creating increased fraud vulnerabilities.• Executive leader liaison for fraud/financial crime management operations across diverse domains.

• Managed fraud decisioning and remediation efforts when fraud or financial crimes are confirmed and responsible for accuracy and outcome to include regulatory reporting. • Evaluate investigative evidence on fraud and financial crime cases and take action when material elements of fraud, financial crimes, concealment, and misrepresentation, are confirmed to mitigate current and future operational risks. • Partner cross-functionally with relevant stakeholders & units to coordinate, direct, conduct, or assist in investigations to strengthen organizational justice and ensure compliance within the financial, insurance, and related sectors. • Drive fraud management policies, identify control deficiencies and ineffective risk mitigators, and contribute to effective operational control solutions while evaluating the effectiveness of internal controls and risk prevention actions. • Assisted in developing innovative and long-term detection and prevention programs, systems, and red flag enhancements, adding to a sound risk and compliance environment. • Serves as a subject matter expert on a variety of fraud management tools and systems used to identify and investigate suspicious financial and non-financial activity on a vast range of products and services.

• Analyzes high risk financial and non-financial transactions and quickly detect and prevents fraudulent activities for a vast range of enterprise products and services.•Investigation duties include gathering evidence, interviewing witnesses, or suspects, and working with law enforcement, regulatory agencies, and industry-related professionals. • Analyze facts and data to investigate fraud, abuse, financial crimes, ID theft, account take-over fraud, or related.•Integrate with cross-functional fraud, financial crime, and compliance units surrounding customer security and privacy, and ensure compliance within the financial, insurance, and related sectors. • Identify fraud/financial crime-related risks and trends; assist with or develop policies and processes and lead fraud programs to ensure emerging risks are efficiently managed. • Assisted with proof of concept and testing for cutting-edge fraud and investigations digital tool for early fraud detection.• Utilize multiple investigative techniques to collect information, including metadata, data mining, system/log analysis, OSIT, and document analysis.• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

• Sitting member of the TN IASIU chapter for fraud investigators to strengthen relationships to better detect, deter, and defeat fraud.

• State-wide anti-fraud coalition to combat fraud/financial crimes and strengthen relationships between law-enforcement, investigators, and affiliated entities.

• Recognized and effective leader overseeing all tasks and duties in assigned areas of responsibility.• Senior manager assignment leading 4+ teams totaling 35+ soldiers including equipment and day-to-day operations.• Successfully oversaw direct reports and operations during deployment running complex NATO multinational missions.• Interpret and seamlessly implement organizational goals to formulate assignment planning, set guidelines and expectations, and accomplish missions, tasks, and directives. • Establish and enforce performance goals/priorities and prepare, conduct, and review performance outcomes.• Proven ability to establish and maintain a culture of accountability as it relates to performance and execution.

• Supervised two teams of 10+ soldiers, coached on individual and collective training, developed unit cohesion, fostered the organization's values, and grew others into leaders. • Evaluated performance-oriented training through effective coaching and counseling and mentored future leaders through increased responsibility.• Demonstrate the ability to evaluate critical processes for opportunity and lead process optimization efforts for the function(s).• Able to present complex information to executives to raise awareness and support through critical changes and initiatives.

• Front-line leader overseeing immediate responsibilities of 4+ soldiers.• Led team members by personal example and had authority over subordinates and overall responsibility for their actions. • Acted as a centralized leader enabling troop discipline and unity and acting decisively to complete assigned missions and tasks. • Ability to deliver with urgency and effectiveness in directing tactical response to operational issues and resolution activities.

• Fraud leader and SME accomplishing excellent results and well versed in all aspects of fraud including insurance, underwriting, vendor, 3rd party, ID theft, account take-over, and related.• Investigate fraud cases, conduct interviews, clinic/vendor inspections, background reviews, examinations under oath, or other investigative actions.• Collaborate with cross-functional units to enhance fraud awareness and identify suspected fraud activity.• Affluent with emerging risks, maintain compliance with regulatory agencies, and improve fraud prevention/detection capabilities. • Managed and conducted fraud investigations with a higher level of complexity of suspected or known criminal activity involving multiple products, payment types, and fraud categories.• Reviews monetary and non-monetary fraud transactions to detect fraudulent patterns and trends in support of the investigative process.