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Deposit Fees Agile Product Owner Senior
US-TX-San Antonio
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Purpose of JobWe are seeking a talented Deposit Fees Agile Product Owner Senior within the Deposits & Retail Payments (DRP) Organization for our Charlotte, NC, San Antonio, TX, Plano, TX, Tampa, FL, Colorado Springs, CO, or Phoenix, AZ office

USAA employees who are currently remote can be considered and remain remote.

The Deposits Fees Agile Product Owner Senior will build and maintain a best-in-class Overdraft & Fee income experience for our membership. This position will have accountability for risk management components for the OD/NSF & Fee income space that at a minimum could include issue management, control testing, process mapping, and assisting in the execution of RCSA. Accountable for leading an agile team deploying new products and maintaining existing products, functionality, and pricing for deposits fees. Will partner closely with team members across Digital, Contact Center, Data, IT, and Enterprise partners to ensure alignment of strategy of the team.

Works directly with the Bank agile team to prioritize work to derive business outcomes while delivering on Bank agile team commitments and ensuring the voice of the customer is strongly represented. Accountable for making decisions and prioritizing the Bank agile team backlog to drive business outcomes in service to the Business strategy. Acts as voice of the end-user. Brings a data-driven approach to decisions and impediment removal including strategic priorities and funding allocation. Sets product / value stream direction and ensures it is aligned with key stakeholders across the organization. Establishes a Bank agile team culture routed in transparency and learning, for seeking opportunities for testing & learning, continuous Bank agile team/process improvement and quality.

Job Requirements

About USAA

USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

We embrace a robust veteran workforce and encourage veterans and veteran spousesto apply.


Identifies and manages 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.
Accountable for communicating and driving the vision and strategy effectively to key stakeholders and Bank agile team members. Ensures delivery of quality product and member experience solutions through collaboration with stakeholders to determine business needs.
Responsible for working closely with the Team-of-Teams Lead to assist in clarifying and driving 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 Bank agile teams backlog of work.
Partners with Team-of-Teams Lead to define and clearly communicate acceptance criteria for output based on business requirements and customer needs.
Anticipates and solves complex issues using a data-driven approach to decision making including allocating funds and developing and tracking Objectives and Key Results (OKRs) that drive Bank product success. Delivers 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).
Responsible for maintaining a groomed backlog of user stories; works with the Agile Bank agile team to estimate story size and complexity.
Optimizes the flow of value through the multi-Bank agile team Agile environment and progresses towards objectives, goals, and commitments, while removing impediments, resolving conflicts, and managing risks and issues.
Begins to take a strategic view and think proactively about the right way to meet objectives.
Acts in service of the Bank agile team's needs and goals; offer feedback on work-in-progress, clarifies requirements, anticipates and removes roadblocks or impediments that may prevent the Bank agile team from progressing on objectives and answers questions.
Looks for opportunities for continuous Bank agile team and process improvement. Makes recommendations to leadership.
May lead functional Bank agile teams or projects with moderate resource requirements, risk, and/or complexity.

Minimum Education:

Bachelors degree; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

Minimum 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.


3+ year relevant Deposits, Payments or Channel experience creating/modifying/servicing deposits products
Experience in working within a SAFe Agile framework or SAFe certification
Experience working with Jira or Rally or other Agile project tools
Demonstrated experience executing against strategic roadmaps or making product changes and bringing them to market
Analytical and problem-solving experience ability to brainstorm and recommend alternative solutions when primary solutions could be delayed/not feasible
Experience with Human Centered Design approaches to build desirable, feasible, and sustainable experiences that meet customer needs and are financially viable.


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 position. The salary range for this position is: $97,200 - $175,000 * (this does not include geographical differential, it may be applied based on your work location)

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

*Geographical Differential
: Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

Shift premium
will be addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.


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.

assistance is not
for this position.


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.


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