Bank Agile Product Owner Senior

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 Bank Agile Product Owner Senior you will work directly with the Bank agile team to prioritize work to derive business outcomes while delivering on business commitments and ensuring the voice of the customer is strongly represented. Be responsible for prioritizing the Bank agile team backlog to drive business outcomes in service to the Business strategy. Act as 'voice of the end-user'. Brings a data-driven approach to decisions and impediment removal including strategic priorities and funding allocation. Execute against the product / value stream. Support the Bank agile team culture anchored in transparency and learning, for seeking opportunities for testing & learning, continuous Bank agile team/process improvement and quality.

What you'll do:

• Lead an agile team(s) assigned to developing solutions for implementing the Bank's business objectives aligned to the department and company strategy.
• Responsible for creating and implementing policies and processes for delivering agile methodologies that will meet business results and are aligned to strategic business objectives and required outcomes. Accountable for Team-of-Teams level Objectives and Key Results (OKRs), as well as team-level OKRs; empowers teams within the Bank to deliver business outcomes against their OKRs.
• Manage project assignments and prioritization of work for Agile teams. Oversees deliverables to ensure they are progressing in a timely manner and are aligned to objectives. Makes data driven decisions as needed related to funding and resource allocation.
• Lead positive team dynamics, encourages collaboration and drives achievement of goals and OKRs. Ensure assigned Bank projects are completed within financial regulatory and compliance policies and that risk issues identified are mitigated as required.
• Apply expert knowledge and removes escalated impediments to the team's success and assists in conflict resolution, issue and dependency management.
• Coordinate, coach, support and guide leaders and teams in Agile principles, values and practices.
• Maintains stakeholders informed of project status to include Senior Leaders. Builds consensus with alliances across the organization.
• Assess, utilize, and partner with external resources and partners to meet agreed upon expectations.
• Share information about the portfolio's output and direction with other Team of Team Leads and stakeholders to ensure alignment across the organization.
• Build and oversees a team dedicated to excellence through recruiting, developing, retaining, coaching, guiding, performance management and managerial activities.
• Has full management responsibility for some members of the Agile team, e.g., Product Owner from their own business area, including responsibilities for hiring, firing, development and providing input on compensation decisions.
• Ensure 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.
• 6 years of experience in process improvement, project delivery, business/requirements analysis or directly related to supported business operations/product line.
• Knowledge of multiple technical software delivery methodologies (i.e., Agile, Waterfall, SAFe).
• Advanced experience analyzing business requirements, process flows and use cases to identify opportunities to streamline business processes in accordance with risk management framework and regulatory requirements.
• Advanced knowledge and demonstrated use of Process Engineering methodologies.
• Working knowledge of applicable banking, regulatory, compliance policies including applicable laws, rules, and regulations.
• Communicates difficult concepts and negotiates with others to adopt a different point of view.

What sets you apart:

• 4+ years of digital product management experience, including leadership of customer-facing digital banking products across areas such as fraud prevention, disputes, or self-service capabilities.
• 1+ years of experience in one or more of the following domains: fraud prevention, Reg E/Reg Z disputes, member protection, payments, and money movement. Experience with platforms such as Quavo, analytics platforms, or similar fintech ecosystems is preferred.
• 1+ years of experience leveraging data, behavioral analytics, AI, machine learning, or generative AI capabilities to improve customer experiences through personalization, intelligent recommendations, fraud mitigation, customer insights, proactive engagement, or digital self-service experiences.
• Strong understanding of digital banking security, authentication, and identity experiences, including multifactor authentication, device trust, risk-based authentication, account security controls, and customer-facing security UX patterns within mobile and online banking environments.
• Proven mobile-first product and UX mindset, with 1+ years of experience delivering native iOS and Android experiences. Ability to simplify complex customer journeys through intuitive design, personalized experiences, and human-centered product thinking.
• Experience supporting digital banking capabilities related to payments, money movement, transaction experiences, fraud monitoring, or dispute servicing, with the ability to balance customer experience, operational efficiency, risk, and regulatory requirements.
• Demonstrated success leading high-performing agile product teams, product pods, or scrum teams within fintech, digital-first banks, or large-scale digital organizations. 
• Proven ability to define product strategy and deliver measurable outcomes by bringing together customer insights, data analytics, design thinking, technology, operations, risk, compliance, and emerging AI capabilities to improve member experiences and business performance.

Compensation range: The salary range for this position is: $103,450 - $197,730.

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.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

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.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.