Note: The job is a remote job and is open to candidates in USA. USAA is dedicated to empowering its members to achieve financial security, and they are seeking a MIAM Authentication Product Lead to enhance member access management and authentication strategies. This role involves defining the authentication roadmap, collaborating with various teams, and ensuring compliance with regulatory requirements while delivering a seamless member experience.

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

Skills

• 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

Benefits

• 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
• Various wellness programs
• Career path planning and continuing education assists employees with their professional goals
• Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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