Bank Agile Product Owner Senior

USAA•San Antonio, TX

About The Position

The Bank Agile Product Owner Senior works directly with Bank agile teams to prioritize work, achieve business outcomes, meet commitments, and represent the voice of the customer. The role owns the team backlog and takes a data-driven approach to decisions, impediment removal, strategic priorities, and funding allocation. It executes against the product or value stream and supports a culture of transparency, learning, experimentation, continuous improvement, and quality. The role leads agile teams developing solutions aligned with Bank, department, and company objectives. It establishes and implements policies and processes for agile delivery, is accountable for Team-of-Teams and team-level Objectives and Key Results (OKRs), and oversees project work, deliverables, funding, and resources. It also promotes collaboration and goal achievement, ensures regulatory and compliance obligations are met, manages risks and dependencies, and coaches leaders and teams in agile practices. The Product Owner keeps stakeholders, including senior leaders, informed; builds organizational consensus and alignment; and partners with external resources as needed. The role also builds and oversees a team through recruiting, development, retention, coaching, performance management, and other managerial activities. It has full management responsibility for some agile team members from its own business area, including hiring, firing, development, and input on compensation decisions.

Requirements

Bachelor's degree, or four years of relevant education and/or experience.
Six years of experience in process improvement, project delivery, business or requirements analysis, or directly related supported business operations or product line work.
Knowledge of multiple technical software delivery methodologies, such as Agile, Waterfall, and SAFe.
Advanced experience analyzing business requirements, process flows, and use cases to identify process-streamlining opportunities in accordance with risk management frameworks and regulatory requirements.
Advanced knowledge and demonstrated use of Process Engineering methodologies.
Working knowledge of applicable banking and regulatory compliance policies, including relevant laws, rules, and regulations.
Ability to communicate difficult concepts and negotiate with others to adopt a different point of view.

Nice To Haves

Four or more years of digital product management experience, including leadership of customer-facing digital banking products in areas such as fraud prevention, disputes, or self-service capabilities.
One or more years of experience in fraud prevention, Reg E/Reg Z disputes, member protection, payments, or money movement.
Experience with platforms such as Quavo, analytics platforms, or similar fintech ecosystems.
One or more years of experience using data, behavioral analytics, AI, machine learning, or generative AI to improve customer experiences through personalization, intelligent recommendations, fraud mitigation, customer insights, proactive engagement, or digital self-service.
Strong understanding of digital banking security, authentication, and identity experiences, including multifactor authentication, device trust, risk-based authentication, account security controls, and customer-facing security UX patterns in mobile and online banking.
Mobile-first product and UX mindset, with one or more years of experience delivering native iOS and Android experiences.
Ability to simplify complex customer journeys through intuitive design, personalized experiences, and human-centered product thinking.
Experience supporting digital banking capabilities related to payments, money movement, transaction experiences, fraud monitoring, or dispute servicing while balancing customer experience, operational efficiency, risk, and regulatory requirements.
Demonstrated success leading high-performing agile product teams, product pods, or scrum teams within fintech, digital-first banks, or large-scale digital organizations.
Proven ability to define product strategy and deliver measurable outcomes by bringing together customer insights, data analytics, design thinking, technology, operations, risk, compliance, and emerging AI capabilities.

Responsibilities

Lead agile teams in developing solutions that implement Bank business objectives aligned with department and company strategy.
Create and implement policies and processes for agile methodologies that deliver business results and meet strategic objectives.
Own Team-of-Teams and team-level OKRs, and empower teams to achieve business outcomes against them.
Manage project assignments and prioritize work for agile teams.
Oversee deliverables to ensure timely progress and alignment with objectives.
Make data-driven decisions about funding and resource allocation.
Promote positive team dynamics, collaboration, and achievement of goals and OKRs.
Ensure Bank projects comply with financial regulatory and compliance policies and mitigate identified risk issues.
Apply expert knowledge to remove escalated impediments and assist with conflict resolution, issue management, and dependency management.
Coordinate, coach, support, and guide leaders and teams in agile principles, values, and practices.
Keep stakeholders, including senior leaders, informed about project status.
Build consensus with organizational partners and alliances.
Assess, use, and partner with external resources and partners to meet expectations.
Share portfolio output and direction with other Team-of-Teams Leads and stakeholders to maintain organizational alignment.
Recruit, develop, retain, coach, guide, and manage the performance of a team.
Manage certain agile team members from the same business area, including hiring, firing, development, and input on compensation decisions.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.