MIAM Identity Product Senior

About the role

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.

Opportunity

The Opportunity As a Senior Identity Product Manager within USAA's Member Protection organization, you will help shape enterprise member identity management: 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 supports the enterprise identity proofing strategy and identity fraud prevention posture, contributing to the authoritative identity signals that downstream functions to make risk decisions.

What You'll Do

• Support the enterprise identity proofing and assurance roadmap, covering new member enrollment, identity re-verification, step-up proofing, and profile recovery, by translating strategy into well-scoped business requirements, balancing signal quality with member friction.
• Utilizes subject matter expertise of fraud risk management requirements, policies, laws, and regulations to influence business strategies and solutions and advise the business on how to strengthen and manage fraud risk requirements on business action plans, projects, or operational requests.
• Contributes to the execution of risk assessments with business partners and the lines of business to determine impact and solutions.
• Translate business objectives, risk requirements, and member needs into clear, actionable identity service requirements for technology, architecture, and design teams, across the identity lifecycle from initial proofing through ongoing assurance maintenance.
• Builds and supports Digital and Technology product Business Case artifacts and hypotheses, helping communicate the value proposition of proposed products and experiences.
• Applies data-driven problem-solving techniques to understand and report on product and experience performance against KPIs/KRIs.
• Uses a variety of tools and resources to uncover areas of opportunity that inform product and experience improvements, and helps track implementation of those improvements.
• Prepares clear, compelling presentations and other communications for a range of audiences, and supports Digital or Technology product definition, concept, and collaboration sessions that coordinate discovery, development, delivery, and validation activities.

What You Have

• Bachelor's degree; OR 4 years of relevant education and/or experience.
• 6 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.
• 4 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes, or policies.
• Experience supporting product development for a regulated, enterprise-scale capability, including contributing to roadmap strategy, translating regulatory and business requirements into product and technical decisions, and partnering with architecture and engineering teams to deliver governed, reusable capabilities.
• Working knowledge of relevant laws, regulatory requirements, and compliance obligations, with familiarity in identity related regulatory frameworks applied to an enterprise identity proofing function.
• Solid analytical, organizational, and problem-solving capabilities with attention to detail in identifying identity fraud risks, patterns, and program gaps.
• Strong communication skills with the ability to collaborate across cross-functional teams at various organizational levels.
• Strong communication skills with the ability to collaborate and execute among cross-functional teams, including all levels of the organization and with external regulatory agencies.

What Sets You Apart

• Experience in Product Management, Business Analyst, or related role, with involvement in authentication or key aspects of identity and access management (IAM).
• Familiarity with identity fraud typologies, including synthetic identity fraud, third-party identity theft at the account opening and re-verification layer, and velocity or collusion patterns that exploit enrollment flows.
• Familiarity with identity proofing vendor ecosystems, including attribute-based verification, document verification, biometric liveness, and synthetic identity/watchlist screening.
• Experience collaborating with engineering, architecture, security, and risk teams to help deliver risk-tiered, friction-right identity capabilities.
• Familiarity with emerging identity verification technologies and challenge modalities, including passive behavioral signals, device-bound credentials, and document authentication advances.

Pay Range

$114,080 - $218,030.

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), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.