Lead MIAM Product Owner - Authentication

USAA•San Antonio, NC

2d•Remote

About The Position

The Lead MIAM Product Owner – Authentication is a critical role within USAA’s Member Protection organization, responsible for defining and driving secure, seamless member access across USAA channels. The position champions member access management and authentication strategy, balancing security and fraud risk mitigation with member experience. It partners with technology, architecture, experience, and risk teams to deliver authentication capabilities while maintaining security controls and meeting regulatory requirements. The role also establishes, executes, and governs fraud management activities—including risk assessments, policies, frameworks, standards, processes, and tools—as a first-line-of-defense function. It serves as a fraud risk management subject matter expert, supporting compliance 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 position is remote-eligible in the continental United States, with occasional business travel. Employees who reside within 60 miles 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 additional years of related fraud, compliance, risk, audit, or regulatory experience in lieu of a 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 another operational area supporting fraud risk management initiatives.
Six years of fraud, compliance, risk, audit, or regulatory experience with accountability for projects, programs, processes, or policies.
Expert knowledge of relevant laws, regulatory and compliance requirements, industry regulations, and regulatory data sources.
Demonstrated analytical, organizational, and problem-solving abilities, with strong attention to detail in identifying fraud risks and trends.
Strong communication skills and the ability to collaborate and execute with cross-functional teams at all organizational levels and with 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 through 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, maintain roadmaps, and improve performance.
Lead teams and stakeholders in translating product and experience opportunities into initiatives, requirements, epics, and features, and drive execution strategy.
Guide complex, integrated, and strategic product opportunities from idea through market validation in collaboration with business, UX, technology, operations, marketing, and other stakeholders.
Develop, quantify, and defend product and experience investments using business cases and hypotheses, and communicate their value propositions.
Analyze and report product and experience performance against KPIs and KRIs using rigorous, data-driven problem-solving techniques.
Guide teams in generating insights to identify improvement opportunities and ensure applicable improvements are implemented.
Prepare compelling communications and presentations for diverse audiences, including senior leadership, and facilitate product definition, discovery, development, delivery, and validation sessions.
Conduct internal and external research and situational analysis to identify and apply industry best practices and trends.
Manage ambiguity, influence stakeholders to consider the broader context, and drive clarity, solutions, and execution plans.
Maintain and apply expert knowledge of the business, technology, UX, relevant experiences and processes, and product management.
Provide guidance and mentoring to team members, act 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 to help ensure documents, projects, programs, processes, and product initiatives comply with regulatory and legal requirements and fraud policies and standards.
Partner with lines of business, Compliance and Risk Management, Audit Services, Legal, and regulators to support enterprise fraud management initiatives.