Senior MIAM Product Owner - Authentication

USAA•Tampa, FL

4d•$114,080 - $218,030•Remote

About The Position

The MIAM Authentication Senior is part of USAA's Member Protection organization and supports secure, seamless member access across USAA channels. The role champions member access management and authentication strategy, balancing security and fraud-risk mitigation with a strong member experience. It partners with technology, architecture, experience, and risk teams to deliver authentication capabilities while maintaining security controls and meeting regulatory requirements. The position supports the MIAM business in conducting risk assessments and analyzing and updating policies, frameworks, standards, and processes as a first-line-of-defense function. It executes fraud risk management 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. It also writes detailed requirements and supporting documents describing how tools and systems should function in support of business objectives. This position is remote-eligible in the continental United States, with occasional business travel. Employees living within 60 miles of a USAA office in San Antonio, Plano, Phoenix, Colorado Springs, Charlotte, or Tampa are expected to work onsite 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.
Knowledge of relevant laws, regulatory and compliance requirements, industry regulations, and regulatory data sources.
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 exceeding expectations, seeking learning opportunities, and making an impact without direct assignment.
Experience in product management, business analysis, or a related role involving 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 digital or technology product and experience opportunities into initiatives such as requirements, epics, and features, and drive execution strategy.
Guide complex digital or technology 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 prioritization.
Use advanced data-driven problem-solving and analytical methods to assess 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 digital or technology products, experiences, and features aligned with strategic priorities.
Prepare presentations and other communications to explain complex concepts to diverse audiences, including senior leadership.
Conduct internal and external research and situational analysis to identify and apply industry best practices and trends.
Promote big-picture thinking and clarity among team members 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 business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Support MIAM risk assessments and analyze and update policies, frameworks, standards, and processes as a first-line-of-defense function.
Execute fraud risk management activities to help ensure initiatives comply with applicable legal, regulatory, and fraud requirements.
Collaborate with business lines, Compliance and Risk Management, Audit Services, Legal, and regulators on enterprise fraud management initiatives.
Write detailed requirements and supporting documents describing tool and system functionality based on business direction and objectives.