Member Identity and Access Management; MIAM- Authentication Product Lead

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:

• Define, champion, and drive the overall authentication strategy and roadmap, prioritizing enhancements to existing capabilities and the introduction of net-new solutions to meet evolving member needs and threat landscapes.
• Translate business objectives and member needs into detailed, actionable, and precise authentication and security requirements for technology and design teams, ensuring a holistic approach that considers the complete member journey, security protocols, and regulatory compliance.
• Continuously analyze and innovate existing authentication journeys, authenticators, and supporting capabilities to proactively reduce fraud risk, enhance member experience, and improve operational efficiency.
• Serve as a subject matter expert on owned area of authentication and technologies, providing thought leadership and guidance on fraud risk management, regulatory compliance, and authentication best practices.
• Proactively monitor and analyze fraud and authentication success/fail rates to identify emerging threats and vulnerabilities, leading the development and implementation of effective remediation strategies.
• Champion a robust risk management framework for all authentication-related activities, ensuring risks are effectively identified, measured, monitored, and controlled in alignment with USAA's risk and compliance policies.
• Apply a deep understanding of security standards, fraud risk management requirements, policies, laws, and regulations to shape business strategies, programs, and solutions. Anticipate industry changes to sustain competitive advantage and protect USAA's members.
• This role carries full accountability and business ownership for the authentication product, from strategic definition to the successful delivery and ongoing management of the associated technologies.

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 related experience with accountability for projects, programs, processes or policies.
• Expert knowledge of relevant laws, regulatory, compliance, industry regulations and regulatory data sources.
• Demonstrated analytical, organizational and problem-solving abilities requiring a high attention to detail to identify fraud risks and trends.
• Strong communication skills with the ability to collaborate and execute among…