Lead MIAM Product Owner

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs. The Opportunity 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, serving millions of members. This position champions member access management and the authentication strategy, balancing robust security and fraud risk mitigation with an exceptional member experience. This candidate will partner closely with technology, architecture, experience, and risk teams to deliver cutting-edge authentication capabilities while maintaining strong control over security outcomes and meeting stringent regulatory requirements. Establishes, executes and governs fraud management activities to include risk assessments, policies, frameworks, standards, processes and tools as a first line of defense function. Serves as a fraud risk management subject matter expert to ensure documents, projects, programs, processes, and product initiatives comply with regulatory, legal requirements, and fraud policies and standards. Partners and collaborates with the lines of business, Compliance and Risk Management, Audit Services, Legal, and Regulators to support enterprise fraud management-based initiatives for the Staff Agency or Line of Business (LOB) supported. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office (San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL) will be expected to work on-site four days per week. What you'll do: - Independently leverages Digital or Technology research, business and market intelligence, and data-driven insights to identify opportunities, propose solutions, create and maintain roadmaps, and improve performance. - Leads team and stakeholders to envision, define, and translate Digital or Technology product and experience opportunities (customer 'needs' and 'wants' as well as all other input forms into problems, gaps, etc.) into initiatives (i.e., requirements, epics, features) and drives execution strategy. - Shepherds highly complex, highly integrated, and strategic Digital or Technology product and experience opportunities from idea to market validation through collaboration with all relevant stakeholders and SMEs (Business, UX, Technology, Ops, Marketing, etc.). - Drives, quantifies, and defends Digital and Technology product and experience investments through Business Case artifacts and hypotheses, communicating the value proposition of Digital or Technology products and experiences. - Continuously leverages expert data-driven problem-solving techniques and analytical rigor to understand and report on product and experience performance against KPIs/KRIs; shares best practices with team members. - Guides team to generate meaningful insights through a variety of tools and resources to uncover areas of opportunity to inform Digital or Technology product and experience improvements; follows through to ensure applicable improvements are implemented. - Sets the standard for preparing compelling presentations, and other forms of communication to communicate complex concepts to a diverse audience, including senior leadership, and facilitates Digital or Technology product definition, concept and collaboration sessions to coordinate discovery, development, delivery, and validation activities, as well as to mitigate risks and dependencies. - Conducts internal and external research and conducts situational analysis to identify and apply industry best practices and trends to increase effectiveness of Digital or Technology products. - Actively manages ambiguity, influences others to bring in 'big picture' thinking and drives clarity, solutions, and execution plan among team and stakeholders. - Maintains and applies expert knowledge of the business, technology, UX, and relevant experiences and processes and an expert understanding of Product Management. - Consistently provides guidance and mentoring to team members and acts as an escalation point and ensures issues are resolved. - Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: - Bachelor's degree OR 4 years of related fraud, compliance, risk, audit or regulatory experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. - 8 years of operations experience in a relevant functional area to include financial services, Fraud, AML, compliance, risk, audit, third party risk management or other related operational areas that support fraud risk management initiatives within the business. - 6 years of fraud, compliance, risk, audit, or regulatory