Lead MIAM Product Owner - Authentication

USAA•Tampa, FL

4d•$143,320 - $273,930•Remote

About The Position

The MIAM Authentication Product Lead is a critical role within USAA's Member Protection organization, responsible for defining and driving the future of secure, seamless member access across all USAA channels. The role champions member access management and authentication strategy, balancing robust security and fraud risk mitigation with an exceptional member experience. It partners closely with technology, architecture, experience, and risk teams to deliver authentication capabilities while maintaining strong security controls and meeting regulatory requirements. The position also establishes, executes, and governs fraud management activities, including risk assessments, policies, frameworks, standards, processes, and tools as a first line of defense. It serves as a fraud risk management subject matter expert to help ensure documents, projects, programs, processes, and product initiatives comply with regulatory and legal requirements and fraud policies and standards. The role collaborates with lines of business, Compliance and Risk Management, Audit Services, Legal, and Regulators on enterprise fraud management initiatives. This role is remote eligible in the continental U.S. with occasional business travel. Individuals residing within a 60-mile radius of a USAA office in San Antonio, Plano, Phoenix, Colorado Springs, Charlotte, or Tampa are expected to work on-site four days per week.

Requirements

Bachelor's degree, or four years of related fraud, compliance, risk, audit, or regulatory experience in addition to the minimum experience requirements may be substituted for the degree.
Eight years of operations experience in a relevant functional area, such as financial services, fraud, AML, compliance, risk, audit, third-party risk management, or other operational areas supporting fraud risk management initiatives.
Six years of fraud, compliance, risk, audit, or regulatory-related experience with accountability for projects, programs, processes, or policies.
Expert knowledge of relevant laws, regulatory and compliance requirements, industry regulations, and regulatory data sources.
Analytical, organizational, and problem-solving abilities, with high attention to detail in identifying fraud risks and trends.
Strong communication skills and ability to collaborate and execute across cross-functional teams, all organizational levels, and external regulatory agencies.
Proven ability to lead and influence others in a cross-functional environment.

Nice To Haves

Demonstrated experience managing the full product lifecycle for authentication solutions, from ideation to launch and iteration.
Product Management experience with direct responsibility for authentication or a significant component of a broader identity and access management offering.
Experience collaborating with engineering, design, security, and risk teams to deliver secure and user-friendly authentication capabilities.
Familiarity with industry best practices, emerging trends, and regulatory considerations in authentication and identity management.

Responsibilities

Use digital or technology research, business and market intelligence, and data-driven insights to identify opportunities, propose solutions, create and maintain roadmaps, and improve performance.
Lead teams and stakeholders in translating digital or technology product and experience opportunities into initiatives, requirements, epics, and features, and drive execution strategy.
Guide complex, integrated, and strategic product and experience opportunities from idea through market validation, collaborating with relevant stakeholders and subject matter experts.
Drive, quantify, and defend product and experience investments using business case artifacts and hypotheses, and communicate value propositions.
Analyze and report product and experience performance against KPIs and KRIs using expert data-driven problem-solving techniques; share best practices.
Guide teams in generating insights to identify improvement opportunities and ensure applicable improvements are implemented.
Prepare compelling communications for diverse audiences, including senior leadership, and facilitate product definition, concept, and collaboration sessions to coordinate discovery, development, delivery, and validation and mitigate risks and dependencies.
Conduct internal and external research and situational analysis to identify and apply industry best practices and trends.
Manage ambiguity, influence big-picture thinking, and drive clarity, solutions, and execution plans among teams and stakeholders.
Maintain and apply expert knowledge of the business, technology, UX, relevant experiences and processes, and Product Management.
Provide guidance and mentoring to team members, serve as an escalation point, and ensure issues are resolved.
Ensure risks associated with business activities are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Establish, execute, and govern fraud management activities, including risk assessments, policies, frameworks, standards, processes, and tools.
Serve as a fraud risk management subject matter expert and collaborate with business, Compliance and Risk Management, Audit Services, Legal, and Regulators on enterprise fraud management initiatives.