MIAM Identity Product Lead

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.

About the Role

As a dedicated MIAM Identity Product Lead within USAA's Member Protection organization, you will be responsible for defining and driving the future of enterprise member identity: how members are verified, how identity assurance is established and maintained over time, and how identity fraud is detected and prevented across the member lifecycle. This position champions the enterprise identity proofing strategy and identity fraud prevention posture, producing authoritative identity signals that downstream functions, including authentication, CIP/KYC, fraud operations, and identity security posture management to make risk decisions. The candidate will partner closely with authentication, technology, fraud, compliance, architecture, and experience teams to deliver defensible, risk-tiered identity capabilities that serve millions of members.

Relocation assistance is not available for this position. 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 will be expected to work on-site four days per week.

Responsibilities

• Define, champion, and drive the overall enterprise identity proofing and assurance strategy and roadmap, covering new member enrollment, identity re-verification, step-up proofing, and profile recovery, prioritizing capabilities that produce high-quality, authoritative identity signals while managing member friction appropriately.
• Translate business objectives, risk requirements, and member needs into detailed, actionable identity service requirements for technology, architecture, and design teams, encompassing the full identity lifecycle from initial proofing through ongoing assurance maintenance and identity signal reuse across enterprise consumers.
• Serve as the organization's subject matter expert on identity verification and identity fraud risk, with deep fluency in third-party identity theft patterns, synthetic identity fraud construction and detection, and the tactical methods by which fraudsters exploit enrollment and re-verification flows.
• Drive, quantify, and defend 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 leverage expert data-driven problem-solving techniques and analytical rigor to understand and report on product and experience performance against KPIs/KRIs; share best practices with team members.
• Guide 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; follow through to ensure applicable improvements are implemented.
• Set the standard for preparing compelling presentations and other forms of communication to communicate complex concepts to a diverse audience, including senior leadership, and facilitate 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.
• Conduct internal and external research and situational analysis to identify and apply industry best practices and trends to increase effectiveness of Digital or Technology products.
• Actively manage ambiguity, influence others to bring in 'big picture' thinking, and drive clarity, solutions, and execution plans among team and stakeholders.
• Maintain and apply expert knowledge of the business, technology, UX, and relevant experiences and processes, and an expert understanding of Product Management.
• Consistently provide guidance and mentoring to team members and act as an escalation point to ensure issues are resolved.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Requirements

• Bachelor's degree; OR 4 years of relevant education and/or experience.
• 8 years of product development or operations experience in a relevant functional area, including financial services, fraud, AML/CIP, or related operational areas supporting identity fraud risk management or identity programs within the business.
• Demonstrated experience owning product development for a regulated, enterprise-scale capability, including defining roadmap strategy, translating regulatory and business requirements into product and technical decisions, and partnering with architecture and engineering teams to deliver governed, reusable capabilities.
• Experience should reflect ownership of the full product lifecycle: discovery, requirements definition, prioritization, and delivery, ideally within identity verification or risk management domain.
• Expert knowledge of relevant laws, regulatory requirements, and compliance obligations, with working fluency in identity-related regulatory frameworks applied to an enterprise identity proofing function.
• Demonstrated analytical, organizational, and problem-solving capabilities with high attention to detail in identifying identity fraud risks, patterns, and program gaps.
• Strong communication skills with the ability to collaborate and execute across cross-functional teams at all organizational levels and with external regulatory agencies.
• Proven ability to lead and influence in a cross-functional environment, particularly across boundaries between identity, authentication, fraud, and compliance functions.

Qualifications

• Demonstrated experience managing the full product lifecycle for identity proofing or identity assurance solutions, from ideation through launch, iteration, and ongoing governance.
• Direct product ownership experience covering enterprise identity verification (IDV) within a regulated financial institution.
• Deep practitioner-level knowledge of identity fraud typologies, particularly synthetic identity fraud construction and detection, third-party identity theft at the account opening and re-verification layer, and velocity and collusion patterns that exploit enterprise enrollment flows.
• Familiarity with identity proofing vendor ecosystems, including attribute-based verification, document verification, biometric liveness, and synthetic identity and watchlist screening, and experience governing vendor performance against fraud prevention and assurance quality outcomes.
• Working knowledge of federal identity assurance frameworks and their application to financial services proofing architecture.
• Experience collaborating with engineering, architecture, security, and risk teams to deliver risk-tiered, friction-right identity capabilities that produce authoritative signals for downstream enterprise consumers.
• Familiarity with emerging identity verification technologies and challenge modalities, including passive behavioral signals, device-bound credentials, and document authentication advances — and the ability to evaluate their fraud prevention efficacy and operational fit within an enterprise proofing stack.

Pay

The salary range for this position is $143,320 - $273,930. USAA does not provide visa sponsorship for this role.

Benefits

At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include:

• Comprehensive medical, dental, and vision plans.
• 401(k) and pension plans.
• Life insurance.
• Parental benefits and adoption assistance.
• Paid time off program with paid holidays plus 16 paid volunteer hours.
• Various wellness programs.
• Career path planning and continuing education to assist employees with their professional goals.