Usaa Remote Work Jobs in Usa

528 positions found — Page 20

Insurance Advisor – Military Accounts (SAN ANTONIO)
🏢 Usaa
Salary not disclosed
San antonio, TX 4 days ago

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

It is all about learning and growing. Our Insurance Customer Service role may be a new career for you. There’s a lot to learn, but the journey is mapped out and USAA is willing to invest in you! Our comprehensive, fully paid six-month training program includes all training materials, class discussions, hands-on training, e-learning modules, and the instructor led guidance will help you to support our membership independently. We also pay for all licensing costs!

Our in-office development program provides the training you need and the encouragement to create a proactive and independent support style to service our membership.

After six months in-office, you’ll have the opportunity to work offsite 2 days a week. The actual onsite days are settled between each employee and their manager.

We have various schedules ranging from 8:00 am CST to 10:00 pm CST with two days off. These roles include a shift differential of 15% for weekday hours worked after 6:00 pm local time and any hours worked on Saturday or Sunday.

Military veterans and spouses are highly encouraged to apply.

Relocation assistance is not available for this position.

As part of our licensing training program, you are required to obtain a property and casualty license for your state of residency by your third week of employment. We provide all study materials and pay for up to 3 licensing exam attempts. During your first 90 days, we will also provide you with resources to acquire additional state licenses to better serve our members.

We are currently seeking dedicated professionals to work in our San Antonio office at 9800 Fredericksburg Rd San Antonio, TX 78288 for future insurance sales and customer service opportunities in March 2026. As an Insurance Customer Service Representative, you'll work within defined guidelines to provide customer service, sales, and retention activities for multiple USAA Property & Casualty personal line products. You will assist members with new and existing USAA policies to deepen their relationship with the company. Representatives interact with our members across multiple contact channels to provide members adequate coverage and advice to help ensure their financial security.

What you'll do:

  • Facilitate the Property & Casualty member experience by handling inbound and outbound phone calls, emails, or other contacts from members.

  • Apply developing knowledge of personal lines' insurance to assist members with foundational to moderately complex quotes, binding new business, rating, policy, billing, payment, underwriting, contract and coverage provisions, and premium changes for insurance products and services. Also, maintain respective trailing documents for all states.

  • Identify, evaluate and understand member needs to consistently provide complete and accurate advice and solutions for insurance products and services. Provide detailed issue diagnosis while minimizing member transfers, escalations and call backs.

  • Efficiently operate in a contact center environment and navigate multiple systems and programs while maintaining an engaging member interaction that may occur across multiple channels.

  • Maintain required Property & Casualty license and state registrations.

  • Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • High School Diploma or GED equivalent

  • Up to 1 year needs based sales and/or customer service experience in insurance, financial services and/or relevant direct customer service.

  • Acquire and maintain Property & Casualty (P&C) license and state registrations, within 90 days of hire. (Training, Licensing and State registration fees paid for by USAA.)

  • Demonstrated communication, problem-solving, and critical thinking skills to effectively respond to routine member inquiries.

  • Effective time management and organizational skills.

  • Successful completion of a job-related assessment may be required

What sets you apart:

  • 1 year of customer contact experience in a needs-based sales environment

  • 6 months experience frequently communicating (minimum 60 percent of the time) with customers by phone, e-mail, and/or face to face

  • US military experience through military service or a military spouse/domestic partner

Training Schedule: Monday - Friday 9:30am-6:00pm

Work Schedule: 8hr shifts within the hours of 8:00am – 10:00pm CST
USAA provides support to our members 7 days a week.

After training, you will be assigned either a 4 day or 5 day work schedule which includes one weekend day.

All work schedules for this role are 40 hours per week.
Work schedules are assigned based on business need and are subject to change to ensure adequate coverage for our members.

Salary: The hiring range for this position is: $45,010-$46,010

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

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.

Not Specified
Actuarial Product Strategist – Life Insurance Solutions (SAN ANTONIO)
🏢 Usaa
Salary not disclosed
San antonio, TX 4 days ago

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

We are seeking a dedicated Life Actuary to join the Life Company’s Asset Liability Management Team.  This role coordinates, prepares, and performs actuarial analyses required to develop new products, project future results, reprice existing products, and/or determine financial strength.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.  Relocation assistance is not available for this position.

What you'll do:

  • Performs complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Reviews laws and regulations to ensure all processes are compliant; and provides recommendations for improvements and monitors industry communications regarding potential changes to existing laws and regulations.

  • Runs models, generates reports, and presents recommendations and detailed analysis of all model runs to Actuarial Leadership.

  • May make recommendations for model adjustments and improvements, when appropriate.

  • Shares knowledge with team members and serves as a resource to team on escalated issues and navigates obstacles to deliver work product.

  • Leads or participates as a key resource on moderately complex projects through concept, planning, execution, and implementation phases with minimal guidance, involving cross functional actuarial areas.

  • Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for stakeholders.

  • Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership.

  • Maintains proper price level, price structure, data availability and other requirements to achieve profitability and competitive goals.

  • Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends.

  • Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products.

  • Advises management on issues and serves as a primary resource for their individual team members on escalated issues.

  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • 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.  (Total of 8 years of experience without bachelor’s degree)

  •  Do you have one of the following:

  • 4 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (Bachelor’s degree + 4 years of experience + FSA)

  • OR 8 years relevant actuarial experience and attainment of Associate within the Society of Actuaries. (Bachelor’s Degree + 8 years of experience + ASA)

  • OR 8 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (FSA)

  • OR 12 years relevant actuarial or analytical experience and attainment of Associate within the Society of Actuaries (ASA)

  • Experience performing complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Demonstrated experience communicating complex actuarial analysis and recommendations to technical and non-technical audiences.

What sets you apart:  

  • US military experience through military service or a military spouse/domestic partner

  • FSA (Fellow of the Society of Actuaries) designation

  • Experience using Moody’s AXIS software

  • 2 or more years of experience with asset liability management or cash flow testing

  • Prior Actuarial experience with Life Insurance and Annuity Products

  • Fixed Indexed Annuity (FIA) Experience

Compensation range: The salary range for this position is: $127,310 - $236,250

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 .

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.

Not Specified
Actuarial Analyst – Financial Projections (PLANO)
🏢 Usaa
Salary not disclosed
Plano, TX 3 days ago

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

We are seeking a dedicated Life Actuary to join the Life Company’s Asset Liability Management Team.  This role coordinates, prepares, and performs actuarial analyses required to develop new products, project future results, reprice existing products, and/or determine financial strength.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.  Relocation assistance is not available for this position.

What you'll do:

  • Performs complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Reviews laws and regulations to ensure all processes are compliant; and provides recommendations for improvements and monitors industry communications regarding potential changes to existing laws and regulations.

  • Runs models, generates reports, and presents recommendations and detailed analysis of all model runs to Actuarial Leadership.

  • May make recommendations for model adjustments and improvements, when appropriate.

  • Shares knowledge with team members and serves as a resource to team on escalated issues and navigates obstacles to deliver work product.

  • Leads or participates as a key resource on moderately complex projects through concept, planning, execution, and implementation phases with minimal guidance, involving cross functional actuarial areas.

  • Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for stakeholders.

  • Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership.

  • Maintains proper price level, price structure, data availability and other requirements to achieve profitability and competitive goals.

  • Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends.

  • Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products.

  • Advises management on issues and serves as a primary resource for their individual team members on escalated issues.

  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • 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.  (Total of 8 years of experience without bachelor’s degree)

  •  Do you have one of the following:

  • 4 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (Bachelor’s degree + 4 years of experience + FSA)

  • OR 8 years relevant actuarial experience and attainment of Associate within the Society of Actuaries. (Bachelor’s Degree + 8 years of experience + ASA)

  • OR 8 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (FSA)

  • OR 12 years relevant actuarial or analytical experience and attainment of Associate within the Society of Actuaries (ASA)

  • Experience performing complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Demonstrated experience communicating complex actuarial analysis and recommendations to technical and non-technical audiences.

What sets you apart:  

  • US military experience through military service or a military spouse/domestic partner

  • FSA (Fellow of the Society of Actuaries) designation

  • Experience using Moody’s AXIS software

  • 2 or more years of experience with asset liability management or cash flow testing

  • Prior Actuarial experience with Life Insurance and Annuity Products

  • Fixed Indexed Annuity (FIA) Experience

Compensation range: The salary range for this position is: $127,310 - $236,250

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 .

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.

Not Specified
Life Insurance Actuarial Coordinator (PLANO)
🏢 Usaa
Salary not disclosed
Plano, TX 3 days ago

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

We are seeking a dedicated Life Actuary to join the Life Company’s Asset Liability Management Team.  This role coordinates, prepares, and performs actuarial analyses required to develop new products, project future results, reprice existing products, and/or determine financial strength.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.  Relocation assistance is not available for this position.

What you'll do:

  • Performs complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Reviews laws and regulations to ensure all processes are compliant; and provides recommendations for improvements and monitors industry communications regarding potential changes to existing laws and regulations.

  • Runs models, generates reports, and presents recommendations and detailed analysis of all model runs to Actuarial Leadership.

  • May make recommendations for model adjustments and improvements, when appropriate.

  • Shares knowledge with team members and serves as a resource to team on escalated issues and navigates obstacles to deliver work product.

  • Leads or participates as a key resource on moderately complex projects through concept, planning, execution, and implementation phases with minimal guidance, involving cross functional actuarial areas.

  • Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for stakeholders.

  • Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership.

  • Maintains proper price level, price structure, data availability and other requirements to achieve profitability and competitive goals.

  • Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends.

  • Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products.

  • Advises management on issues and serves as a primary resource for their individual team members on escalated issues.

  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • 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.  (Total of 8 years of experience without bachelor’s degree)

  •  Do you have one of the following:

  • 4 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (Bachelor’s degree + 4 years of experience + FSA)

  • OR 8 years relevant actuarial experience and attainment of Associate within the Society of Actuaries. (Bachelor’s Degree + 8 years of experience + ASA)

  • OR 8 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (FSA)

  • OR 12 years relevant actuarial or analytical experience and attainment of Associate within the Society of Actuaries (ASA)

  • Experience performing complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Demonstrated experience communicating complex actuarial analysis and recommendations to technical and non-technical audiences.

What sets you apart:  

  • US military experience through military service or a military spouse/domestic partner

  • FSA (Fellow of the Society of Actuaries) designation

  • Experience using Moody’s AXIS software

  • 2 or more years of experience with asset liability management or cash flow testing

  • Prior Actuarial experience with Life Insurance and Annuity Products

  • Fixed Indexed Annuity (FIA) Experience

Compensation range: The salary range for this position is: $127,310 - $236,250

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 .

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.

Not Specified
Life Actuary– Asset Liability Management Team (PLANO)
🏢 Usaa
Salary not disclosed
Plano, TX 3 days ago

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

We are seeking a dedicated Life Actuary to join the Life Company’s Asset Liability Management Team.  This role coordinates, prepares, and performs actuarial analyses required to develop new products, project future results, reprice existing products, and/or determine financial strength.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.  Relocation assistance is not available for this position.

What you'll do:

  • Performs complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Reviews laws and regulations to ensure all processes are compliant; and provides recommendations for improvements and monitors industry communications regarding potential changes to existing laws and regulations.

  • Runs models, generates reports, and presents recommendations and detailed analysis of all model runs to Actuarial Leadership.

  • May make recommendations for model adjustments and improvements, when appropriate.

  • Shares knowledge with team members and serves as a resource to team on escalated issues and navigates obstacles to deliver work product.

  • Leads or participates as a key resource on moderately complex projects through concept, planning, execution, and implementation phases with minimal guidance, involving cross functional actuarial areas.

  • Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for stakeholders.

  • Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership.

  • Maintains proper price level, price structure, data availability and other requirements to achieve profitability and competitive goals.

  • Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends.

  • Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products.

  • Advises management on issues and serves as a primary resource for their individual team members on escalated issues.

  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • 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.  (Total of 8 years of experience without bachelor’s degree)

  •  Do you have one of the following:

  • 4 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (Bachelor’s degree + 4 years of experience + FSA)

  • OR 8 years relevant actuarial experience and attainment of Associate within the Society of Actuaries. (Bachelor’s Degree + 8 years of experience + ASA)

  • OR 8 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (FSA)

  • OR 12 years relevant actuarial or analytical experience and attainment of Associate within the Society of Actuaries (ASA)

  • Experience performing complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Demonstrated experience communicating complex actuarial analysis and recommendations to technical and non-technical audiences.

What sets you apart:  

  • US military experience through military service or a military spouse/domestic partner

  • FSA (Fellow of the Society of Actuaries) designation

  • Experience using Moody’s AXIS software

  • 2 or more years of experience with asset liability management or cash flow testing

  • Prior Actuarial experience with Life Insurance and Annuity Products

  • Fixed Indexed Annuity (FIA) Experience

Compensation range: The salary range for this position is: $127,310 - $236,250

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 .

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.

Not Specified
Insurance Professional – Sales and Service (SAN ANTONIO)
🏢 Usaa
Salary not disclosed
San antonio, TX 3 days ago

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

It is all about learning and growing. Our Insurance Customer Service role may be a new career for you. There’s a lot to learn, but the journey is mapped out and USAA is willing to invest in you! Our comprehensive, fully paid six-month training program includes all training materials, class discussions, hands-on training, e-learning modules, and the instructor led guidance will help you to support our membership independently. We also pay for all licensing costs!

Our in-office development program provides the training you need and the encouragement to create a proactive and independent support style to service our membership.

After six months in-office, you’ll have the opportunity to work offsite 2 days a week. The actual onsite days are settled between each employee and their manager.

We have various schedules ranging from 8:00 am CST to 10:00 pm CST with two days off. These roles include a shift differential of 15% for weekday hours worked after 6:00 pm local time and any hours worked on Saturday or Sunday.

Military veterans and spouses are highly encouraged to apply.

Relocation assistance is not available for this position.

As part of our licensing training program, you are required to obtain a property and casualty license for your state of residency by your third week of employment. We provide all study materials and pay for up to 3 licensing exam attempts. During your first 90 days, we will also provide you with resources to acquire additional state licenses to better serve our members.

We are currently seeking dedicated professionals to work in our San Antonio office at 9800 Fredericksburg Rd San Antonio, TX 78288 for future insurance sales and customer service opportunities in March 2026. As an Insurance Customer Service Representative, you'll work within defined guidelines to provide customer service, sales, and retention activities for multiple USAA Property & Casualty personal line products. You will assist members with new and existing USAA policies to deepen their relationship with the company. Representatives interact with our members across multiple contact channels to provide members adequate coverage and advice to help ensure their financial security.

What you'll do:

  • Facilitate the Property & Casualty member experience by handling inbound and outbound phone calls, emails, or other contacts from members.

  • Apply developing knowledge of personal lines' insurance to assist members with foundational to moderately complex quotes, binding new business, rating, policy, billing, payment, underwriting, contract and coverage provisions, and premium changes for insurance products and services. Also, maintain respective trailing documents for all states.

  • Identify, evaluate and understand member needs to consistently provide complete and accurate advice and solutions for insurance products and services. Provide detailed issue diagnosis while minimizing member transfers, escalations and call backs.

  • Efficiently operate in a contact center environment and navigate multiple systems and programs while maintaining an engaging member interaction that may occur across multiple channels.

  • Maintain required Property & Casualty license and state registrations.

  • Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • High School Diploma or GED equivalent

  • Up to 1 year needs based sales and/or customer service experience in insurance, financial services and/or relevant direct customer service.

  • Acquire and maintain Property & Casualty (P&C) license and state registrations, within 90 days of hire. (Training, Licensing and State registration fees paid for by USAA.)

  • Demonstrated communication, problem-solving, and critical thinking skills to effectively respond to routine member inquiries.

  • Effective time management and organizational skills.

  • Successful completion of a job-related assessment may be required

What sets you apart:

  • 1 year of customer contact experience in a needs-based sales environment

  • 6 months experience frequently communicating (minimum 60 percent of the time) with customers by phone, e-mail, and/or face to face

  • US military experience through military service or a military spouse/domestic partner

Training Schedule: Monday - Friday 9:30am-6:00pm

Work Schedule: 8hr shifts within the hours of 8:00am – 10:00pm CST
USAA provides support to our members 7 days a week.

After training, you will be assigned either a 4 day or 5 day work schedule which includes one weekend day.

All work schedules for this role are 40 hours per week.
Work schedules are assigned based on business need and are subject to change to ensure adequate coverage for our members.

Salary: The hiring range for this position is: $45,010-$46,010

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

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.

Not Specified
Life Actuary– Asset Liability Management Team (SAN ANTONIO)
🏢 Usaa
Salary not disclosed
San antonio, TX 3 days ago

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

We are seeking a dedicated Life Actuary to join the Life Company’s Asset Liability Management Team.  This role coordinates, prepares, and performs actuarial analyses required to develop new products, project future results, reprice existing products, and/or determine financial strength.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.  Relocation assistance is not available for this position.

What you'll do:

  • Performs complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Reviews laws and regulations to ensure all processes are compliant; and provides recommendations for improvements and monitors industry communications regarding potential changes to existing laws and regulations.

  • Runs models, generates reports, and presents recommendations and detailed analysis of all model runs to Actuarial Leadership.

  • May make recommendations for model adjustments and improvements, when appropriate.

  • Shares knowledge with team members and serves as a resource to team on escalated issues and navigates obstacles to deliver work product.

  • Leads or participates as a key resource on moderately complex projects through concept, planning, execution, and implementation phases with minimal guidance, involving cross functional actuarial areas.

  • Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for stakeholders.

  • Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership.

  • Maintains proper price level, price structure, data availability and other requirements to achieve profitability and competitive goals.

  • Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends.

  • Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products.

  • Advises management on issues and serves as a primary resource for their individual team members on escalated issues.

  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • 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.  (Total of 8 years of experience without bachelor’s degree)

  •  Do you have one of the following:

  • 4 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (Bachelor’s degree + 4 years of experience + FSA)

  • OR 8 years relevant actuarial experience and attainment of Associate within the Society of Actuaries. (Bachelor’s Degree + 8 years of experience + ASA)

  • OR 8 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (FSA)

  • OR 12 years relevant actuarial or analytical experience and attainment of Associate within the Society of Actuaries (ASA)

  • Experience performing complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Demonstrated experience communicating complex actuarial analysis and recommendations to technical and non-technical audiences.

What sets you apart:  

  • US military experience through military service or a military spouse/domestic partner

  • FSA (Fellow of the Society of Actuaries) designation

  • Experience using Moody’s AXIS software

  • 2 or more years of experience with asset liability management or cash flow testing

  • Prior Actuarial experience with Life Insurance and Annuity Products

  • Fixed Indexed Annuity (FIA) Experience

Compensation range: The salary range for this position is: $127,310 - $236,250

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 .

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.

Not Specified
Actuarial Specialist – Life Product Development (CHARLOTTE)
🏢 Usaa
Salary not disclosed
Charlotte, NC 3 days ago

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

We are seeking a dedicated Life Actuary to join the Life Company’s Asset Liability Management Team.  This role coordinates, prepares, and performs actuarial analyses required to develop new products, project future results, reprice existing products, and/or determine financial strength.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.  Relocation assistance is not available for this position.

What you'll do:

  • Performs complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Reviews laws and regulations to ensure all processes are compliant; and provides recommendations for improvements and monitors industry communications regarding potential changes to existing laws and regulations.

  • Runs models, generates reports, and presents recommendations and detailed analysis of all model runs to Actuarial Leadership.

  • May make recommendations for model adjustments and improvements, when appropriate.

  • Shares knowledge with team members and serves as a resource to team on escalated issues and navigates obstacles to deliver work product.

  • Leads or participates as a key resource on moderately complex projects through concept, planning, execution, and implementation phases with minimal guidance, involving cross functional actuarial areas.

  • Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for stakeholders.

  • Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership.

  • Maintains proper price level, price structure, data availability and other requirements to achieve profitability and competitive goals.

  • Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends.

  • Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products.

  • Advises management on issues and serves as a primary resource for their individual team members on escalated issues.

  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • 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.  (Total of 8 years of experience without bachelor’s degree)

  •  Do you have one of the following:

  • 4 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (Bachelor’s degree + 4 years of experience + FSA)

  • OR 8 years relevant actuarial experience and attainment of Associate within the Society of Actuaries. (Bachelor’s Degree + 8 years of experience + ASA)

  • OR 8 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (FSA)

  • OR 12 years relevant actuarial or analytical experience and attainment of Associate within the Society of Actuaries (ASA)

  • Experience performing complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Demonstrated experience communicating complex actuarial analysis and recommendations to technical and non-technical audiences.

What sets you apart:  

  • US military experience through military service or a military spouse/domestic partner

  • FSA (Fellow of the Society of Actuaries) designation

  • Experience using Moody’s AXIS software

  • 2 or more years of experience with asset liability management or cash flow testing

  • Prior Actuarial experience with Life Insurance and Annuity Products

  • Fixed Indexed Annuity (FIA) Experience

Compensation range: The salary range for this position is: $127,310 - $236,250

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 .

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.

Not Specified
Senior Life Insurance Actuary – ALM Team (CHARLOTTE)
🏢 Usaa
Salary not disclosed
Charlotte, NC 3 days ago

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

We are seeking a dedicated Life Actuary to join the Life Company’s Asset Liability Management Team.  This role coordinates, prepares, and performs actuarial analyses required to develop new products, project future results, reprice existing products, and/or determine financial strength.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.  Relocation assistance is not available for this position.

What you'll do:

  • Performs complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Reviews laws and regulations to ensure all processes are compliant; and provides recommendations for improvements and monitors industry communications regarding potential changes to existing laws and regulations.

  • Runs models, generates reports, and presents recommendations and detailed analysis of all model runs to Actuarial Leadership.

  • May make recommendations for model adjustments and improvements, when appropriate.

  • Shares knowledge with team members and serves as a resource to team on escalated issues and navigates obstacles to deliver work product.

  • Leads or participates as a key resource on moderately complex projects through concept, planning, execution, and implementation phases with minimal guidance, involving cross functional actuarial areas.

  • Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for stakeholders.

  • Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership.

  • Maintains proper price level, price structure, data availability and other requirements to achieve profitability and competitive goals.

  • Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends.

  • Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products.

  • Advises management on issues and serves as a primary resource for their individual team members on escalated issues.

  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

  • 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.  (Total of 8 years of experience without bachelor’s degree)

  •  Do you have one of the following:

  • 4 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (Bachelor’s degree + 4 years of experience + FSA)

  • OR 8 years relevant actuarial experience and attainment of Associate within the Society of Actuaries. (Bachelor’s Degree + 8 years of experience + ASA)

  • OR 8 years relevant actuarial or analytical experience and attainment of Fellow within the Society of Actuaries (FSA)

  • OR 12 years relevant actuarial or analytical experience and attainment of Associate within the Society of Actuaries (ASA)

  • Experience performing complex work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

  • Demonstrated experience communicating complex actuarial analysis and recommendations to technical and non-technical audiences.

What sets you apart:  

  • US military experience through military service or a military spouse/domestic partner

  • FSA (Fellow of the Society of Actuaries) designation

  • Experience using Moody’s AXIS software

  • 2 or more years of experience with asset liability management or cash flow testing

  • Prior Actuarial experience with Life Insurance and Annuity Products

  • Fixed Indexed Annuity (FIA) Experience

Compensation range: The salary range for this position is: $127,310 - $236,250

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 .

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.

Not Specified
Associate Auto Adjuster-SkillBridge
🏢 Usaa
Salary not disclosed
San Antonio, Texas 4 days ago
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
What you'll do:

* Applies appropriate coverage and handles simple liability, evaluates, and settles high volume and low complexity auto claims with repairable vehicles.
* Resolves claims through proactive problem solving and decision making, within authority guidelines and under direct supervision, overcoming obstacles, and effectively prioritizing the workload.
* Clearly documents thought process including damage evaluation, investigation, negotiation, and settlement decisions.
* Collaborates and sets expectations with external and internal business partners to facilitate claims resolution.
* Supports members, business partners, and claimants, through use of varying communication channels to include utilization of digital tools to drive timely and effective resolutions through exceptional service.
* Acquires and applies a foundational knowledge of P&C insurance industry products, services, to include P&C insurance policy contracts, coverages and internal claims handling process and procedures.
* Applies basic knowledge of Auto Physical Damage. Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.
* May be assigned CAT deployment travel with minimal notice during designated CATs.
* Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.
* Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

* High School Diploma or General Equivalency Diploma.
* 1 year or more of military experience.
* Acquisition and maintenance of insurance adjuster license within week 2 of training and 3 testing attempts.
* Demonstrated ability to prioritize and multi-task, including navigating through multiple business applications.
* Successful completion of a job-related assessment may be required.

What sets you apart:

* Currently serving in the military and you will be eligible to participate in a SkillBridge program in the Spring or Summer of 2026.
* Ability to get permission from your commander to participate in the SkillBridge program.
* Junior Military Veteran

Compensation range: The salary range for this position is: $48,340 - $50,340.

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.).

THIS IS A NON-FEDERAL ENTITY. IT IS NOT A PART OF THE DEPARTMENT OF DEFENSE OR ANY OF ITS COMPONENTS AND IT HAS NO GOVERNMENTAL STATUS.
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

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.
Not Specified
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