Bank Agile Product Owner Senior

Company: USAA
Location: Charlotte
Posted on: January 6, 2026

Job Description:

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. The Opportunity Are you passionate about building best-in-class digital customer experiences? If so, you might be a great fit ready to join the Bank Digital and Marketing Team, where innovation and member-centricity are at the heart of everything we do. Our dynamic team of Product Owners is on a mission to craft unparalleled digital member experiences. As an Agile Product Owner (APO) Senior, you'll work closely with our technology, design, content, data analytics and business partners to create and enhance mobile and online banking experiences. You'll act as ‘voice of the end-user’ bringing a data-driven approach to experience improvement decisions and impediment removal including strategic priorities and funding allocation. You will establish a Bank agile team culture routed in transparency and learning, for seeking opportunities for testing & learning, continuous experience & process improvement, and quality. 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 or Tampa, FL. Relocation assistance is not available for this position. What you'll do: 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 team’s 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. 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; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 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. What sets you apart: Drive outstanding digital experiences by focusing on the entire member journey through CX mapping and Human-Centered Design, ensuring a superior user experience. Leverage an analytics and data-driven mindset to identify and address unmet member needs, informing product and experience improvements. Understanding of mobile banking, mobile app development and digital technologies (including digital strategy, digital payments, credit or deposit products, cyber security, multichannel banking, AI/machine learning, big data and analytics, and DevOps innovation). Knowledge of digital messaging, focusing on push notification strategies, mobile app engagement, and integrated digital communications. Includes understanding of UX for messaging, analytics, and security. Significant experience independently managing cross-functional teams with minimal oversight needed from direct leader to drive to timely, high-quality deliverables. Experience in leading innovative and pragmatic programs that translate business and customer needs into solutions with a measurable output. US military experience through military service or a military spouse/domestic partner. Compensation range: The salary range for this position is: $103,450 - $197,730. 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.

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