RCA Professional 7

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.Job DescriptionThe RCA Professional 7 serves as a Risk & Compliance advisor to the Prepaid business line. The role provides dedicated first-line risk support across the full lifecycle of prepaid products, digital capabilities, strategic initiatives, regulatory changes, operational enhancements, and issue remediation. The advisor works directly with Product, Sales, Client Onboarding, Digital, Technology, Operations, Legal, Financial Crimes Compliance, Fraud Strategy, Compliance, and governance teams to identify requirements early, translate risk expectations into practical actions, and keep work moving through implementation and post-implementation closure.This is not a traditional end-stage compliance review role. The successful candidate becomes embedded in the work, develops a detailed understanding of the product and operating model, asks the questions that uncover downstream impacts, brings the right specialists together, and helps the business reach a compliant and sustainable solution. The position requires sound judgment, curiosity, persistence, and the ability to organize and influence work across a large matrixed organization.Position HighlightsPrepaid advisory partnership: Serve as a primary Risk & Compliance advisor for U.S. Bank-issued and program-managed prepaid products, including payroll, government disbursement, general purpose reloadable, incentive, rewards, single-load, digital card, and related money movement capabilitiesEarly engagement and change governance: Engage during opportunity assessment, product planning, change control, BCIQ, and PRISM intake to clarify scope, identify impacted products and stakeholders, determine the appropriate review path, and prevent avoidable late-stage delaysRisk assessment and practical guidance: Analyze complex or ambiguous product, operational, regulatory, technology, fraud, and third-party risksTranslate requirements into clear options, guardrails, controls, procedures, disclosures, testing, or escalation paths that the business can implementProject and initiative leadership: Independently support a portfolio of concurrent initiatives from early design through implementation and post-implementation closure. Maintain status, dependencies, decisions, risks, evidence requirements, and next stepsPRISM and risk mitigation management: Review and strengthen BCIQ and PRISM submissions, coordinate subject-matter expert reviews, develop or challenge risk mitigation plans, track evidence, resolve documentation gaps, and drive timely closure of pre- and post-implementation requirementsRegulatory change management: Assess new or changing laws, regulations, regulatory guidance, and industry requirements for Prepaid applicability. Coordinate impact assessments, business responses, implementation plans, stakeholder alignment, and retained documentationControls and risk assessments: Support ECRA and RCSA activities, process questionnaires, risk and control matrices, control self-assessments, credible challenge responses, control design improvements, and testing or monitoring expectationsIssues, audits, and examinations: Support issue identification and intake, root-cause and impact analysis, corrective action planning, audit and examination requests, walkthroughs, First Day Letters, evidence production, and validation of sustainable remediationCross-functional coordination: Identify and engage the appropriate partners across Legal, Compliance, Financial Crimes Compliance, Fraud, Information Security, Privacy, Third Party Risk Management, Operations, Technology, and Product. Facilitate decisions when ownership or requirements are unclearReporting and documentation: Provide concise, decision-useful reporting on initiatives, risks, open questions, dependencies, escalations, approvals, and upcoming milestones. Maintain organized records that support governance, audit readiness, and effective handoffsProcess improvement: Identify opportunities to simplify duplicative or low-value requirements while preserving appropriate risk management. Recommend scalable processes, job aids, templates, decision frameworks, and governance improvementsBasic QualificationsBachelor's degree, or equivalent work experienceTypically more than eight years of experiencePreferred Skills and Qualifications8+ years of experience in risk management, compliance, legal, audit, financial services, payments, product governance, or a related fieldExperience interpreting laws, regulations, regulatory guidance, policies, standards, or risk requirements and applying them to products, processes, systems, or customer experiencesStrong analytical, critical-thinking, problem-solving, and decision-making skills, including comfort working through incomplete or ambiguous informationExcellent written and verbal communication skills, including the ability to develop and clearly articulate well-supported points of view and explain complex requirements to business and technical audiencesStrong project management, organization, documentation, prioritization, and follow-through skills, with the ability to provide direction, coordinate cross-functional work, and drive multiple simultaneous initiativesAbility to build relationships, influence without direct authority, challenge constructively, and escalate appropriatelyPrepaid card, debit card, consumer payments, issuing, money movement, fintech, or banking product experienceWorking knowledge of prepaid program structures and participants, such as issuer, program manager, processor, client or sponsor, network, third-party service provider, and cardholderExperience with Regulation E, Regulation II, E-SIGN, UDAAP, TCPA, CAN-SPAM, BSA/AML, fraud risk, and/or FDIC pass-through deposit insuranceExperience with product and change governance, including business intake, risk assessments, change control, issue management, control design, audit support, and post-implementation validationProfessional certification such as CRCM, CAMS, or comparable legal, risk, or compliance credentialHybrid/flexible scheduleThe role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other daysIf there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits:Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:Healthcare (medical, dental, vision)Basic term and optional term life insuranceShort-term and long-term disabilityPregnancy disability and parental leave401(k) and employer-funded retirement planPaid vacation (from two to five weeks depending on salary grade and tenure)Up to 11 paid holiday opportunitiesAdoption assistanceSick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by lawReview our full benefits available by employment status here. U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.E-VerifyU.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.Posting may be closed earlier due to high volume of applicants.Job SummaryJob number: 2026-0033998Date posted : 2026-11-04Profession: Corporate Functions & RiskEmployment type: Full time