Product Management Manager - Deposits (Payments)

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

We are seeking a Product Management Manager – Deposits for our Bank Payments Product and Strategy team. This role will work with product governance and serve as a team resource for emerging trends in the payments industry.

This role formulates product/sales strategy recommendations based on analysis of profitability, competitiveness and sales performance for the product life cycle. You will compile, analyze and interpret data to make strategic and tactical recommendations or decisions pertaining to sales/product performance. Responsible for defining the business questions and providing insights to improve business performance. Supports the maintenance of existing products and/or may lead in the development and launch of less complex, new products with channel partners.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

What you'll do:

• Leverages resources to gather analytics, competitive intelligence, and member information to support formulation of product strategy.
• Participates in the development of product strategy recommendations.
• Develops recommendations to launch new products or sales strategies and the evaluation and decision to buy/build or partner.
• Acts as product SME on features and services and collaborates with business partners to provide recommendations.
• Partners with phone and digital teams on how to effectively use sales guides and provides education on products and services, including new offerings and enhancements to existing features.
• Assists in the identification and evaluation of potential providers for alliance relationships.
• Provides support in developing, editing, and distributing product communications.
• Conducts research on external market trends/design changes, financials, member information and/or transaction data for assigned products.
• Holds responsibility for coordinating 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.
• 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.

What you have:

• Bachelor's degree in Business, Marketing, Supply Chain, or Statistics; OR 4 years of relevant education and/or experience.
• 6 years of relevant industry experience in Actuary, Underwriting, Marketing or Sales/Service or Finance/Accounting Operations or Financial Services.
• 2 years of product management, or similar strategic management experience (similar experience includes direct support in managing product performance).
• 1 year of Data Visualization experience (i.e.Tableau).
• Advanced experience in creating product briefings.
• 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.

What sets you apart:

• Bank or Financial Services Payment Operations and Money Movement Product experience.
• Ability to understand and explain end-to-end payment flows and the member journey from transaction initiation to reconciliation.
• Ability to manage a product from ideation through launch, iteration, and eventual sunsetting.
• Product Governance experience.
• 2+ year of Data analysis experience in clearly communicating data driven decisions.
• Industry trends payments area.  New trends and industry standards.
• Experience with keeping abreast of industry trends and working knowledge of emerging payment types (e.g., stablecoin, tokenized deposits, agentic payments)
• Accredited ACH Professional and National Check Professional accreditations are preferred.
• US military experience gained through military service or gained as a military spouse / domestic partner.

Compensation range: The salary range for this position is: $114,080 - $218,030.

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.