Senior MIAM Product Owner - Authentication

USAA•San Antonio, NC

2d•$114,080 - $218,030•Hybrid

About The Position

The MIAM Authentication Senior is a critical role within USAA's Member Protection organization, supporting the future of secure, seamless member access across USAA channels. The position champions member access management and authentication strategy, balancing security and fraud risk mitigation with an exceptional 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 supports the MIAM business in conducting risk assessments and analyzing and updating policies, frameworks, standards, and processes as a first line of defense. It executes fraud risk management to ensure documents, projects, programs, processes, and product initiatives comply with regulatory and legal requirements and fraud policies and standards. The position collaborates with lines of business, Compliance and Risk Management, Audit Services, Legal, and regulators on enterprise fraud management initiatives, and writes detailed requirements and supporting documents describing how tools and systems should function in support of business objectives. The position is remote eligible in the continental U.S. with occasional business travel. Employees residing 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 years of relevant education and/or experience.
Six years of operations experience in a relevant functional area, such as financial services, fraud, AML, compliance, risk, audit, third-party risk management, or related operational areas supporting fraud risk management initiatives.
Four years of fraud, compliance, risk, audit, or regulatory-related experience with accountability for projects, programs, processes, or policies.
Proven 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 to identify fraud risks and trends.
Strong communication skills and ability to collaborate and execute across cross-functional teams, all organizational levels, and external regulatory agencies.

Nice To Haves

Experience translating complex business needs into clear, precise, actionable requirements for technical development and analytical teams.
Experience collaborating with engineering, design, security, and risk teams to deliver secure, user-friendly authentication capabilities.
Experience supporting the product lifecycle for authentication solutions, from ideation through launch and iteration.
Proactivity and drive, including seeking learning opportunities and making an impact without direct assignment.
Experience in Product Management, Business Analysis, or a related role, including involvement in authentication or key aspects of identity and access management.
Knowledge of 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.
Translate product and experience opportunities into problems, gaps, requirements, epics, and features, and drive execution strategy.
Guide complex product and experience opportunities from idea through market validation in collaboration with stakeholders and subject-matter experts.
Lead development of business case artifacts and hypotheses for scoping and prioritizing work.
Use advanced data-driven problem-solving and analytical techniques to understand and report product and experience performance against KPIs and KRIs.
Generate insights using a variety of tools and resources to identify opportunities for product and experience improvements.
Lead cross-functional product teams and relationships to discover and build products, experiences, and features aligned with strategic priorities.
Prepare presentations and communication materials to explain complex concepts to diverse audiences, including senior leadership.
Conduct internal and external research and situational analysis, applying industry best practices and trends to improve product effectiveness.
Bring big-picture thinking and drive clarity among teams and stakeholders.
Maintain and apply advanced knowledge of business, technology, UX, relevant experiences and processes, and product management.
Serve as a resource to team members and assist with onboarding new employees.
Ensure risks associated with business activities are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Support risk assessments and analyze and update policies, frameworks, standards, and processes as a first line of defense.
Execute fraud risk management to ensure initiatives comply with regulatory and legal requirements and applicable fraud policies and standards.
Collaborate with lines of business, Compliance and Risk Management, Audit Services, Legal, and regulators on enterprise fraud management initiatives.
Write detailed requirements and supporting documents explaining how tools and systems need to function based on business direction and objectives.