**Why USAA?** At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members. We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special! **The Opportunity** We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: **San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL** . Relocation assistance is not available for this position. **We are seeking a talented Deposit Product Management Director for the Funds Availability Team.** **The Product Management Director will play a meaningful role in driving the strategy of the banks funds availability policy as it relates to account restrictions. This role is encouraged to define a forward-looking member-centric experience that creates solutions to help with the financial security of our members while ensuring the safety and soundness of the business. The ideal candidate will develop strategies, determine roadmaps for Member-need outcomes, and empowers stakeholders to turn Member needs into portfolios of Member experiences.** **They should have experience with the laws rules and regulations that govern deposit products and have a deep understanding of their applicability to funds availability.** Formulates product/sales strategy recommendations based on analysis of profitability, competitiveness, and sales performance for the product life cycle. 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. **What you’ll do:** + Leverages internal and external data and member information to support formulation of product strategy and enhance competitive intelligence. + Develops product dashboards and metrics recommendations in support of analyzing and evaluating strategic performance. + Partners with Marketing to define go-to-market and value proposition strategy of the product/feature. + Develops recommendations to launch new products and the evaluation and decision to buy/build or ally. + Acts as product SME on features and services and collaborates with business partners to provide recommendations. + Analyzes and evaluates product performance metrics to form recommendations regarding market opportunities and product improvements. + Leads efforts to expand or change existing product features. + Contributes to decisions regarding product pricing and profitability. + Identifies and evaluates potential providers for alliance relationships. + Provides support regarding all aspects of Product Life Cycle. + Approves and provides support in developing, editing, and distributing product communications. + Coordinates with relevant control partners (to include Legal, Compliance, and Risk Management) to ensure product offerings are crafted, implemented, and managed in compliance with all applicable laws and regulations. + Contributes to the overall strategy of the business and collaborates with alliance to develop product strategy. + 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, Statistics, or related discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. + 8 years of relevant industry experience in Actuary, Underwriting, Marketing or Sales/Service or Finance/Accounting Operations or Financial Services. + 3 years of product management, or similar strategic management experience (similar experience includes direct support in managing product performance). + 2 years of Data Visualization experience (i.e. Tableau). + Knowledge of relevant laws and regulations (i.e. FDIC, CFPB, OCC). + Expert experience in crafting product briefings and presenting to executive leadership. + Experienced in market research to build 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:** + At least 4+ years in a Bank Product Management role consisting of profit and loss (P&L) responsibilities. + Demonstrated experience in analyzing product market or competitive conditions. + 3+ years analyzing data using Tableau, SAS, SQL, R, Python or similar tools. + Experience with Deposit Account Restrictions in a medium to large sized regional or national financial services institution. + Experience with Payment processing and exceptions, including checks and ACH. + Industry knowledge of Laws, Rules, and Regs tied to deposit and payment processes. + Demonstrated experience managing multiple stakeholders, accountability for deliverables, and high-quality execution of work. 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. **What we offer:** **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. The salary range for this position is: **$138,230 - $248,810.** Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. **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, please 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._ **If you are an existing USAA employee, please use the internal career site in OneSource to apply.** **Please do not type your first and last name in all caps.** **_Find your purpose. Join our mission._** USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity. USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.