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Melanie Cruz has over three decades of experience in financial analysis and decision science, currently serving as a Senior Decision Science Analyst at USAA since April 1995. In this role, Melanie leads marketing analytics for Life Insurance, Investments, Health, and Annuities, providing insights and recommendations to enhance marketing performance. Prior positions at USAA included Senior Financial Analyst roles, where responsibilities encompassed financial analysis related to marketing expenditures and profitability modeling for business lines. Earlier career experience included serving as Director of Internal Audit at United Services Advisors, Senior Budget Analyst at Nalco Chemical Company, and Senior Accountant/Auditor at Price Waterhouse. Melanie holds a Bachelor's degree in Accounting from Texas State University, obtained in 1987.