Bank Agile Product Owner Lead - Deposits

$120,550 - $230,400/Yr

USAA - Chesapeake, VA

Full-time - Mid Level

Chesapeake, VA

10,001+ employees

Credit Intermediation and Related Activities

About the position

At USAA, we are on a mission to facilitate the financial security of millions of U.S. military members and their families. The Deposit Originations Agile Product Owner Lead will play a crucial role in building and maintaining a best-in-class omnichannel account opening experience. This position is responsible for enhancing USAA's account application pull-through rate while delivering a world-class member experience. The lead will also be accountable for risk management components in the Open an Account space, which includes issue management, control testing, process mapping, and ensuring that the modernized application aligns with USAA's risk appetite. In this role, the Deposit Originations Agile Product Owner Lead will drive decisions and prioritize the work for the Apply for an Account backlog by collaborating with team members across Digital, Contact Center, Data, IT, and Enterprise partners. The position requires working directly with the Bank agile team to prioritize work that derives business outcomes while ensuring that the voice of the customer is strongly represented. The lead will be accountable for making decisions and prioritizing the team backlog to drive business outcomes in service to the Business strategy. This includes acting as the ‘voice of the end-user’ and bringing a data-driven approach to decision-making and impediment removal, including strategic priorities and funding allocation. The role also involves setting product and value stream direction, ensuring alignment with key stakeholders across the organization, and establishing a culture rooted in transparency and learning. The lead will seek opportunities for testing and learning, continuous team/process improvement, and quality. This position offers a flexible work environment, requiring the individual to be in the office four days per week, with potential locations including San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA, or Tampa, FL. Please note that relocation assistance is not available for this position.

Responsibilities

• Identifies and leads existing and emerging risks that stem from business activities and the job role.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
• Follows written risk and compliance policies, standards, and procedures for business activities.
• Partners with Bank agile team to develop, translate and drive the vision and strategy to key stakeholders and Bank agile team members on Bank products to include member satisfaction.
• Leads the Bank agile team in ensuring understanding of business requirements for effective Bank product solutions.
• Partners with the Team-of-Team Lead to clarify and drive alignment on the business strategy, goals, and objectives.
• Translates this understanding into a clear vision for the Bank agile team to inform the creation and prioritization of the team's backlog of work.
• Collaborates with stakeholders from the Bank and IT to determine business needs required for implementing strategic objectives and deliver quality and innovative solutions.
• Partners with Team-of-Team Lead to define and clearly communicate acceptance criteria for output based on business requirements and customer needs.
• Drives execution of successful objective implementation for Bank products and customer experience.
• Solves unique problems with broad impact on the business; requires an innovative, data-driven approach to decision making including allocating funds and developing and tracking OKRs that drive product success.
• Accountable for setting and delivering against Bank agile team-level OKRs.
• Acts as 'voice of the end-user'.
• Proactively seeks customer feedback to learn and better understand their needs and requirements to ensure end user value is delivered to the marketplace.
• Owns Bank agile team backlog (grooming, prioritization, and refinement).
• Maintains a groomed backlog of user stories; works with the Bank agile team to estimate story size and complexity.
• Optimizes the flow of value by assisting the multi-Bank agile team environment and progresses towards objectives, goals, and commitments, while removing impediments, resolving conflicts, and managing risks and issues that have a broad impact on the business.
• Acts strategically and proactively in meeting required objectives.
• Acts in service of the Bank agile team's needs and goals; coaches, engages and provides feedback to the Bank agile team on work-in-progress; clarifies requirements, and takes an innovative approach to solving unique problems that may prevent the Bank agile team from progressing on objectives.
• Identifies and drives opportunities for continuous Bank agile team and process improvement.
• Leads projects with notable risk and complexity; develops the strategy for project execution.
• Anticipates business and regulatory issues; recommends product, process or service improvements.
• Impacts the direction and resource allocation for program, project or services; works within general functional policies and industry guidelines.

Requirements

• Bachelor's degree; OR 4+ years of related experience may be substituted in lieu of degree.
• 8+ 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) with a proven track record in using these skills to develop and manage products through the entire product life cycle.
• Expert experience in analyzing business requirements, process flows and use cases to identify opportunities to streamline business processes in accordance with risk management framework and regulatory requirements.
• Expert understanding and demonstrated use of Process Engineering methodologies and Change Management practices to translate business requirements into functional specifications.
• Extensive experience with applicable banking regulatory and compliance policies, including knowledge of applicable laws, rules and regulations.
• Experience communicating complex ideas, anticipating potential objections and persuading others, often at senior levels, to adopt a different point of view.

Nice-to-haves

• 4+ years' experience building and enhancing account originations systems at FIs or Fin Techs
• 4+ years' relevant Deposits or Payments experience using data driven tools to optimize member experience and P&L performance
• Experience in working within a SAFe Agile framework
• Experience working with developers executing modern technology stacks (e.g., APIs, Micro Services, Cloud)
• Demonstrated experience executing against strategic roadmaps, with focus on running, and delivering the resulting plans to market
• Analytical and problem-solving experience, familiarity with building business cases and leading performance
• Experience with Human Centered Design approaches to build desirable, feasible, and sustainable experiences that meet customer needs and are financially viable
• Master's degree, or MBA
• US military experience through military service or a military spouse/domestic partner

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 assistance