Member Identity and Access Management (MIAM)- Authentication Product Lead

USAA is dedicated to empowering its members to achieve financial security through exceptional service and competitive products. The MIAM Authentication Product Lead will define and drive secure member access across all channels, balancing security and member experience while collaborating with various teams to deliver advanced authentication capabilities.

Responsibilities:

• 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

Requirements:

• 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 cross-functional teams, including all levels of the organization and with external regulatory agencies
• Proven ability to lead and influence others in a cross-functional environment
• Demonstrated experience managing the full product lifecycle for authentication solutions, from ideation to launch and iteration
• Experience in a Product Management role with direct responsibility for authentication or a significant component of a broader identity and access management (IAM) offering
• Experience collaborating with engineering, design, security, and risk teams to deliver secure and user-friendly authentication capabilities
• Familiarity with industry best practices, emerging trends, and regulatory considerations in authentication and identity management