USAA Reviews

Updated August 26, 2015
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Stuart Parker
4 Ratings

Pros
  • GREAT benefits health /401k match 8%/ tuition reimbursement / bonus for holidays and end of the year performance (in 157 reviews)

  • Understanding of work-life balance (in 40 reviews)

Cons
  • There are employees that spend their ENTIRE career in the same call center job (in 102 reviews)

  • There is NO work/life balance as they would like others to believe (in 24 reviews)

More Pros and Cons

102 Employee Reviews

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  1. Helpful (1)

    Terrible and Awful Full of Bad Culture and Lies

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Manager in Addison, TX
    Current Employee - Manager in Addison, TX
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I have been working at USAA full-time

    Pros

    Great place to work if you're desperate and need something to hold you over until you get a real job. They now wait to stab you in the back a whole day. It's a part of their core values to humiliate you and stab you in the back. This company has incredibly poor culture despite what they sell you. The poor culture comes from their home office in San Antonio and they pass it around like a bad case of herpes. No matter how terrible you are, they won't fire you. So this is a great place for employees useless to society in any capacity.

    Cons

    Poorly managed and led organization, with higher level and executive leaders who have no idea what they're doing (No exaggeration... If you interview with them and ask a direct question, they defer and deflect because they don't know anything at all). They dabble in matters like; Mortgage and Financial Planning, but clearly lack the understanding to truly impact the members they're serving. The organization is very fire drill oriented. So whatever is the biggest fire gets handled first, and they actually sit around waiting for all the other fires to grow, before they decide to handle them. Proactive and preventative measures are foreign concepts to them. That's actually the best way to get fired is to actually be proactive. If you offer any advice as to how to prevent something, they'll assume you're actually out to get them, because they know you're actually smarter than they are. Then you'll get fired... I've seen it happen more times than I can count. The only thing worst than the way they mismanage every aspect of business is the pay and the favoritism... Maybe the subtle racism... But definitely the pay and favoritism. I work at a site where they made all the black managers quit, which I guess nobody finds that to be strange because that's what they do... They just quit. Also, don't bother trying to get promoted here. They actually don't promote qualified people. They just import more of their unqualified buddies from San Antonio, who even less than they do, to fill positions. Not sure why they say this is the best place to work, because it's seriously the worst. My site is hovering over 70% attrition for the year, but they keep saying that's normal. I'm seriously just waiting for an offer from the few companies I interviewed at over the past couple of weeks and I'm out of here. I just wanted to warn you all not to be tricked like the rest of us.

    Advice to Management

    Maybe pay people what they're worth for starters and they wouldn't quit. Next, do some soul searching and probably fire yourself and the rest of your leadership team. Finally, stop being completely racist and favortist, and hire and promote people who can actually do the job.


  2. Stay away

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Financial Foundations Specialist in San Antonio, TX
    Current Employee - Financial Foundations Specialist in San Antonio, TX
    Doesn't Recommend
    Positive Outlook
    Approves of CEO

    Pros

    Benefits, on site gyms on site health clinic , Etc

    Cons

    No real opportunity to grow typically 1 job opening per job posting. Lacking in managment. Managers 90% have favoritism within the team they manage allowing some colleagues to be absent and not having consequences and in the other hand another colleague who might not be the managers favorite has a call in and automatically gets put on a verbal or corrective action. High volume of calls and not enough capacity to cover calls back to back calls where the member is irate or upset at a usaa policy you can't change. Expect to be on the phone 90% of the day and if you don't meet there adherence standards of 90% or more you will be put in a performance improvement plan , also strong on referrals certain number you have to meet or offers you have to provide the members per day. Very stressful job !

    Advice to Management

    Managment needs a big overhaul at usaa


  3. SHAMEFUL you lost your roots

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    Former Contractor - Information Technology in San Antonio, TX
    Former Contractor - Information Technology in San Antonio, TX
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at USAA as a contractor (More than a year)

    Pros

    I Love the environment, severing the military(having served myself), other employees, I love my job and yet I am fearful going to work.

    Cons

    There is no HR in my department, and if when I did speak up I was told I was told my job could be in jeopardy if I did not comply with "the way things work here". Well this is my story I work for the USAA T-1 help desk Contractor for HCL and been here happy until one day I got a message from a new employee "work force manager" He/She would send me messages on the interal messaging system that where very rude even Yelling at times. I spoke up about this and even showed one of the people in leadership roll this and he spoke up to the director of the floor, She told me that it was her job. I asked to speak with a HR rep about this behavior and was told that I would need to submit a ticket!?!? So I looked into how to submit a ticket on-line with HCL but could not find out how to. Every day I am belittled by this person even going to the bathroom is an issue for the company. I am made to verify the brake system every time I fill out my time card for HCL and it is not being in forced. FYI HCL is a company from India that dose not practice good standers.

    Advice to Management

    Stop outsourcing your jobs to other country you are taking away awesome jobs from Americans. You pride your self on being Patriotic, I say Ya right. The Founders Loved there country, there service and would tell you SERVICE BE FOR SELF! New USAA slogan we sever the military because we know they got money. Not we look after our military because they need us(please don't tell me something that you don't believe). The company has lost there roots and I feel bad.


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  5. Helpful (6)

    Lack of Diversity, Glass Ceilings and Stop Signs

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Mortgage Loan Processor in San Antonio, TX
    Current Employee - Mortgage Loan Processor in San Antonio, TX
    Doesn't Recommend
    Negative Outlook

    I have been working at USAA full-time (More than 5 years)

    Pros

    They have decent insurance, and 8% match on 401K, but you make so little here you can't take advantage of it.

    Cons

    I'd tell anyone and everyone to steer clear of this place if you're a person of color or a woman. This is a place where they love to chastise minorities, and use them as scapegoats. The executive leaders are all white males, with the exception of one, which they needed to show at least one person of color for the brochures. They like to rave about how diverse and inclusive they are, but what they don't tell you is that people of color are often targeted and met with great hostility. There are actually sites within the organization where most, if not all, of their black leaders left for any number of reasons. This is one of the worst organizations for people of color to work. Not to mention the overall dysfunction and disorganization of the company. The statistics only tell you about 5% of the story. Consider this, in an organization of nearly 30K employees, they may have a total of 5 black executives. In my department alone, I don't believe there's a single black director and less than 3 black managers. Not to mention the pay is terrible. USAA brags about only paying you about 50% of the market average, and then tells you that you should be happy. The ongoing deceptive practices are a part of their core values as well. They brag about their annual bonuses, but don't tell you that even with the bonuses, you're barely above the poverty line. They have great benefits, but when you have a family of four, and you're surviving on $90K a year, is there really a benefit? Women are treated poorly here, and often passed up for promotions. If you're a women, and you speak up about anything, or have the nerve to have a differing opinion, then you've officially placed a target on your back. The move heaven and earth to get you terminated. No to mention, this is another area of opportunity for USAA in their diversity hunt. Finally, I'd tell you to watch your back here. People befriend you here, only to stab you in the back and step over you, while you're bleeding out. They tell you that if you have trust issues, it's you, and not everyone else. This all the while, they're sharpening their blade. The directors, the EDs and the VPs are under qualified, or flat out unqualified, to lead. There's a ton of favoritism here, so they promote even more unqualified to positions they shouldn't be in. This place is seriously bad. This place is incredibly racist. And this place is incredibly sexist. It's slave labor here, and the pay is terrible. Please read the bad reviews before you apply, they're more true than the good ones. You'll thank me once you do.

    Advice to Management

    Stop your practices of institutionalized racism and sexism. Increase the salary of your employees. Hire and promote qualified candidates.


  6. Helpful (2)

    Working at Target might be a better option.....

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Intern - Underwriter in Addison, TX
    Current Intern - Underwriter in Addison, TX
    Doesn't Recommend
    Negative Outlook

    I have been working at USAA as an intern (More than 3 years)

    Pros

    Consistent pay Extra pay for Christmas (true benefit) 8% match in 401(k), but you gotta starve to put in that much

    Cons

    Low ball on an opening salary and won't consider a counter. No underwriting designations (I still don't know how this is legal). Hype filled lies about how "everything is A-Ok" and how all other companies are total crap and how employees should feel privileged to be employed here...all the while while making 30-50% less than what the current DFW job market is. You'll hear the word /phrase "transparent/ we're transparent " so many times you're going to want to throw yourself off the building and land on the tollway. It's all mind tricks and the staff retention rate is about as high as their member satisfaction rate. Don't waste vital years of your career in hopes that "it'll all get better.." Cause it won't. They will lie to get you in and underpay you until you get the courage to look elsewhere and then..YOU have to justify to a potential employer that you do know what you're doing due to the fact that USAA won't give true VA designations; which makes it tough to market yourself as a "real" VA underwriter. Go make a better career decision for yourself..oh and make 30-50% more elsewhere. Cause ya ain't gonna get that paper here.

    Advice to Management

    Quit all the propaganda BS and be real. Provide options to better the employees career goals (UW designations)...unless you're too concerned that if they were given...everyone would really leave.


  7. Helpful (5)

    Stay clear if you have ambitions to move up

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Financial Advisor in Addison, TX
    Former Employee - Financial Advisor in Addison, TX
    Doesn't Recommend
    Positive Outlook
    Disapproves of CEO

    I worked at USAA full-time (More than a year)

    Pros

    8% match on 401k, education payment to get MBA or CFP.

    Cons

    No chance to move up in the Addison office. They say no cold calls but their outbound campaign is cold as ice and the members are not expecting your call. You get voicemails most of the time. If you are willing to live in San Antonio you have a better shot to move up, they do not promote Addison employees. If there is a manager job open and a person from SA applies you are toast. If you work here best thing is get them to pay for your CFP and get out! You can do better on your own and get six figures if you have ambition. Recruiter will lie to you about the role and speak highly because they are not on the phones. Those that are not on the phones will not like their job but managers (that maybe spent a year on the phones) love their jobs. Inbound you will get debt calls and expect to sell life insurance to those that can't afford the dollar menu.

    Advice to Management

    Have more incentive to sell the promotion from FA III to II is not squat. Try to keep your employees those that try to leave don't just walk them out and say whatever like you can get any trained monkey to do this job. We are not monkeys. Pay more than managers so that we have more of a purpose. Job should have start salary of 120k instead of 55k


  8. Helpful (3)

    USAA Mortgage Peter Principle Model

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Intern - Mortgage Processor
    Current Intern - Mortgage Processor
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    I have been working at USAA as an intern (More than 3 years)

    Pros

    The welfare checks they sent you every couple of weeks don't bounce. They accept the insurance card at most places

    Cons

    The pay is terrible The executive leadership team is the worst The frontline employees are a very close second Total strategy failure by USAA mortgage High percentage of incompetence at all levels (especially the director level) Adversarial Mentality Everyone is out for themselves Completely contradictionary model of operations Absolutely terrible decision making Lack of appreciation for facts and best demonstrated practices I'll start off by saying this, if you're: somewhat competent, can independently think, likes to ask even the most basic questions, or has basic deductive reasoning skills, then this is not the place for you. They only promote people who don't know anything, and won't threaten their executive's fragile egos. Here's what I'll say about this place, the bad reviews are the more common place around there than the good reviews. The environment is incredibly toxic, and people love throwing people under the bus. The organization itself, lacks understanding of the mortgage industry, or money lending in general. It's so bad that not even their own employees would get a mortgage with them. The executive team loves to blame everyone else for their poor strategy and implementation execution. How do you trust an executive team that, time and time again, make strategic failures, and never take ownership of it. Furthermore, this same executive team encourages dysfunction and instability, by not addressing the opportunities within the organization that cause the poor results. That's what happens when build a department with executives, with a patterns of failure, at their previous companies. I've seen fly herders with better strategies than this executive team. The company tries to bring in people from the outside, which the career USAA people hate, which only increases the high level of hostility, to give them advice. They're constantly met with great resistance and a high level of hostility. Mind you, none of the career USAA Mortgage people know anything about mortgage lending. This is an organization beyond advising. If you're an industry expert, don't come here. If you like a paycheck, don't come here. Now, if you're: unoriginal, an empty shell of a human, career underachiever, don't like to ask questions, like to pander, expect nothing out of life, want to follow a rabbit down the rabbit hole and are completely devoid of ambition... This is the right place for you.

    Advice to Management

    Stop writing loans, get out of the mortgage business and try your luck at running a Lemonade Stand (running an operationally stable lemonade stand may be a stretch goal for them). Beyond this, there's nothing I can say that would be beneficial.


  9. Helpful (2)

    Financial advisor

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Financial Advisor in Addison, TX
    Former Employee - Financial Advisor in Addison, TX
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    I worked at USAA full-time (More than a year)

    Pros

    Great 401k benefits, company cares about members, great work/life balance, PTO is pretty average for the industry but it was nice to have.

    Cons

    Bogus transfers from other areas for "financial reviews" one of the last calls I took was referred over from P&C because the member "wants financial advice" I asked the person what their situation was and the guy wrecked his car and wanted to buy another one and needed to look into a loan. Never in my life have I wanted to buy a cheap car and decided to talk to my trusted advisor first. Management drank the kool aid and said there were many opportunities within the call which left me speechless. If you want to work some place where there is very little growth potential from a career standpoint and you are ok with a stagnant job then this is the place for you. If you want to be challenged and fairly compensated then look somewhere else...I did

    Advice to Management

    You better up people's salary because there won't be anyone left to give financial advice here pretty soon


  10. Hostile Work Environment

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Financial Foundations Specialist in San Antonio, TX
    Former Employee - Financial Foundations Specialist in San Antonio, TX
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    I worked at USAA (More than a year)

    Pros

    Good Benefits and Bonuses Free USAA membership until they fire you

    Cons

    No room for advancement Outdated technology Management will find any reason to boot you out by creating stories and having other managers and staff members back them up It really is like the military... snitches get awarded and promoted Floor reps are more knowledgable than management Rules are only enforced on those who don't drink the USAA juice Military members can be abusive Most people are on FMLA within 6 months of taking phone calls

    Advice to Management

    Don't ask for constructive criticism and then fire people for providing it


  11. Wealth Manager

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Wealth Manager in San Francisco, CA
    Former Employee - Wealth Manager in San Francisco, CA
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at USAA full-time (More than 5 years)

    Pros

    Salary. Very little prospecting

    Cons

    Earning potential is capped, especially for high performers. Everything is controlled by headquarter in San Antonio; local offices have very little discretions. Very unforgiving towards careless mistakes.

    Advice to Management

    Not one size fits all!



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