MIAM Identity 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

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.

What you'll do:

* 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.

* 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 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…