Product Management Director - Deposits (Check / ACH)

USAA is a financial services organization serving military members and their families. The Product Management Director will define and drive the strategy for Check and ACH deposit products, including funds transfer, remote deposit capture, and bill pay. The role analyzes product performance, develops strategic recommendations, leads product enhancements and launches, and ensures compliance with applicable laws and regulations.

Responsibilities:

• Leverages internal and external data and member information to support formulation of product strategy and enhance competitive intelligence
• Develops product dashboards and metrics recommendations in support of analyzing and evaluating strategic performance
• Partners with Marketing to define go-to-market and value proposition strategy of the product/feature
• Develops recommendations to launch new products and the evaluation and decision to buy/build or ally
• Acts as product SME on features and services and collaborates with business partners to provide recommendations
• Analyzes and evaluates product performance metrics to form recommendations regarding market opportunities and product enhancements
• Leads efforts to expand or change existing product features
• Contributes to decisions regarding product pricing and profitability
• Identifies and evaluates potential providers for alliance relationships
• Provides support regarding all aspects of Product Life Cycle
• Approves and provides support in developing, editing and distributing product communications
• Coordinates with relevant control partners (to include Legal, Compliance, and Risk Management) to ensure product offerings are designed, implemented and managed in compliance with all applicable laws and regulations
• Contributes to the overall strategy of the business and collaborates with alliance to develop product strategy
• Interprets performance results to inform product or sales forecast and planning
• Ensures 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 in Business, Marketing, Supply Chain, or Statistics; OR 4 years of relevant education and/or experience
• 8 years of relevant industry experience in Actuary, Underwriting, Marketing or Sales/Service or Finance/Accounting Operations or Financial Services
• 3 years of product management, or similar strategic management experience (similar experience includes direct support in managing product performance)
• 2 years of Data Visualization experience (i.e.Tableau)
• Knowledge of relevant laws and regulations (i.e.FDIC, CFPB, OCC)
• Expert experience in creating product briefings and presenting to executive leadership
• Experienced in market research to create product roadmap, make product decisions and iterate rapidly
• Knowledge of applicable product related regulations, and risk and compliance requirements
• Knowledge of federal laws, rules, and regulations to include: FFIEC- Retail Payment Systems Handbook, Payment Rules (NACHA, Zelle, etc.), Reg CC, Reg E, Reg DD
• Industry experience in check or ACH products (e.g., funds transfer, remote deposit capture and bill pay)
• Bank or Financial Services payment operations or money movement product experience
• Ability to understand and explain end-to-end payment flows and member journey from transaction initiation to reconciliation
• Demonstrated experience managing a product from ideation through launch, iteration, and eventual sunsetting
• 2+ years of data analysis experience in clearly communicating data driven decisions
• Deep understanding of Check / ACH laws and regulations
• Demonstrated ability to serve as a subject matter expert, effectively teaching and explaining complex money movement concepts to team members
• US military experience gained through military service or gained as a military spouse / domestic partner
• USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.)
• Accredited ACH Professional and National Check Professional accreditations preferred