USAA

Business Intelligence Developer

• Analyze complex business problems using data from internal and external sources to deliver actionable insights to analysts, business partners, and senior decision-makers
• Identify and interpret trends and patterns within large datasets
• Translate business needs into detailed reporting and analytics specifications
• Prototype intuitive visualization solutions that support strategic decision-making
• Lead and participate in gathering complex business requirements by partnering with customers
• Utilize an advanced understanding of multiple data structures and sources to lead the development and implementation of business intelligence solutions
• Strategically partner with IT execution teams on analytic infrastructures, data engineering, or related business intelligence efforts
• Act as a trusted data visualization advisor to stakeholders

Senior Business Intelligence Analyst

Product Manager

• 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

Senior Bank Agile Product Owner

Communications

• Leads communications strategy and execution
• Oversees business and communications partner adherence to the communication governance practices
• Performs research and analysis of current communications trends and best practices
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled

Corporate Communications Principal

Insurance

• Maximize Property & Casualty sales potential by expertly handling member inquiries, identifying cross-selling opportunities, and providing exceptional service through various communication channels.
• Apply developing knowledge of personal lines insurance to assist members with foundational to moderately complex quotes, binding new business, rating, policy, billing, payment, underwriting, contract and coverage provisions, and premium changes for insurance products and services.
• Also, maintain respective trailing documents for all states.
• Identify, assess and understand member needs and consistently provide complete and accurate advice and solutions for insurance products and services.
• Provide detailed issue diagnosis while minimizing transfers, escalations and call backs.
• Efficiently operate in a contact center environment and navigate multiple systems/programs while maintaining an engaging member interaction that occurs across multiple channels.
• Maintain required Property & Casualty (P&C) licenses and state registrations.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Licensed P&C Insurance Professional – Sales and Service

• Facilitate the Property & Casualty member experience by handling inbound and outbound phone calls, emails, or other contacts from members.
• Apply developing knowledge of personal lines' insurance to assist members with foundational to moderately complex quotes, binding new business, rating, policy, billing, payment, underwriting, contract and coverage provisions, and premium changes for insurance products and services.
• Also, maintain respective trailing documents for all states.
• Identify, evaluate and understand member needs to consistently provide complete and accurate advice and solutions for insurance products and services.
• Provide detailed issue diagnosis while minimizing member transfers, escalations and call backs.
• Efficiently operate in a contact center environment and navigate multiple systems and programs while maintaining an engaging member interaction that may occur across multiple channels.
• Maintain required Property & Casualty license and state registrations.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Insurance Professional – Sales and Service

Actuary

• Responsible for Life or Annuity reserving, reporting, or forecasting
• Perform actuarial analyses required to develop new products, project future results, reprice existing products, and/or determine financial strength
• Utilize actuarial modeling software for pricing, valuation, and/or risk management
• Review laws and regulations for compliance; provide recommendations for improvements
• Run models, generate reports, and present detailed analysis to Actuarial Leadership
• Develop exhibits and reports to explain proposals/findings for stakeholders
• Identify critical assumptions to monitor and suggest remedies for unfavorable trends
• Advise management on issues and serve as a resource for team members

Life Actuarial Valuation, Reporting, Forecasting Actuary

• Participates in the development of digital first products supporting the needs and risks of USAA Members
• Supports efforts to develop and launch new innovative product offerings as well as auxiliary/enhanced features/services for existing products
• Advises others in the launch of new products and in the evaluation and decision to buy/build or partner
• Generates creative product and coverage solutions for member needs to ensure a dynamic product development pipeline exists
• Responsible for maintaining knowledge of business and underwriting performance for products in scope (e.g.trends, results, etc.)
• Analyzes internal and external data and member information to support formulation of product strategy and enhance competitive intelligence
• Conducts analysis of key data to support on-going monitoring, maintenance and underwriting of existing 'new in market' products based on product performance, member needs and competitive changes in the market including but not limited to product rules, rates, and forms
• Develops and communicates the new product value proposition for product enhancements/features
• Guides Member Contact teams on how to effectively use sales guides and provides education on new products and services, including new offerings and enhancements to existing features
• Analyzes and evaluates new product performance metrics to recommend offering change, if necessary, prior to full launch
• Coordinates with relevant control partners (to include Leal, Compliance, and Risk Management) to ensure product offerings are designed and implemented in compliance with all applicable laws and regulations
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

Product Development Manager – P&C Property

Analyst

• Apply industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
• Apply critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
• Partner to deliver bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key stakeholders and leadership.
• Analyze internal and external scores/data for use in identifying first party fraud.
• Apply industry knowledge and competitive benchmarking to inform credit strategy development.
• Utilize advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
• Develop, manage, and present comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
• Design and perform complex financial risk sensitivity analysis.
• Create and manage credit strategy infrastructure and ensures credit strategies are implemented as intended.
• Apply expert programming and analytical techniques to analyze credit data.
• Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
• Collaborate with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.
• Utilize analytically derived insights to develop strategic plans with significant impact to business results.
• Coach and mentor other analysts and acts as a thought leader within the analyst community.

Senior Analyst, Credit Risk Strategy

Director

• Responsible for development of digital first products supporting the needs and risks of USAA Members
• Leads development and launch of new innovative product offerings as well as auxiliary/enhanced features/services for existing products
• Responsible for maintaining thorough level of knowledge of business and underwriting performance for products in scope (e.g.trends, results, etc.)
• Responsible for post-launch monitoring, maintenance and underwriting of 'new in market' products based on product performance, member needs and competitive changes in the market including but not limited to product rules, rates, and forms
• Develops recommendations to launch new products and the evaluation and decision to buy/build or ally for individual product(s)
• Generates creative product and coverage solutions for member needs to ensure a dynamic product development pipeline exists
• Conducts complex analysis of internal and external data and member information to support formulation of product strategy and enhance competitive intelligence
• Develops and communicates the new product value proposition for individual products
• Ensures sales support is delivered to all distribution channels (e.g., com, mobile, contact center) so that the new product is properly positioned to members
• Leads the analysis and evaluation of new product performance metrics to make changes to offerings, if necessary, prior to full launch
• Coordinates with relevant control partners (to include Legal, Compliance, and Risk Management) to ensure product offerings are designed and implemented in compliance with all applicable laws and regulations
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

Product Development Director – P&C Property

• Responsible for development of digital first products supporting the needs and risks of USAA Members.
• Oversees the development and of launch new innovative product offerings as well as auxiliary/enhanced features/services for existing products.
• Develops and finalizes recommendations to launch new products and the evaluation and decision to buy/build or ally for the line of business.
• Generates creative product and coverage solutions for member needs to ensure a dynamic product development pipeline exists.
• Responsible for maintaining thorough level of knowledge of business and underwriting performance for products in scope.
• Responsible for post-launch maintenance and underwriting of 'new in market' products based on product performance, member needs and competitive changes in the market.
• Leverages cross functional resources to gather data and member information to support formulation of product strategy and acquire competitive intelligence.
• Leads a team to analyze internal and external data and member information to support formulation of product strategy and enhance competitive intelligence.
• Develops and communicates the new product value proposition for the line of business across teams and levels of leadership.
• Ensures product development team delivers sales support to all distribution channels so that the new product is properly positioned to members.
• Directs the analysis and evaluation across multiple new product performance metrics to adapt offerings, if necessary, prior to full launch.
• Coordinates with relevant control partners to ensure product offerings are designed and implemented in compliance with all applicable laws and regulations.
• Coaches and develops employees belonging to the product development team to drive maximum performance and engagement levels to achieve desired business results.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Director, Product Development – P&C Property

Data Scientist

• Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business.
• Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value.
• Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs.
• Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework.
• Composes technical documents for knowledge persistence, risk management, and technical review audiences.
• Assesses business needs to propose/recommend analytical and modeling projects to add business value.
• Participates in the prioritization of analytics and modeling problems/research efforts with business and analytics leaders.
• Contributes to the development of a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data.
• Translates business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations.
• Works closely with Data Engineering, IT, the business, and other internal stakeholders to deploy production-ready analytical assets that are aligned with the customer’s vision and specifications while being consistent with modeling best practices and model risk management standards.
• Maintains awareness of cutting-edge techniques.
• Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Mid-Level Data Scientist

• Develops, implements and monitors liquidity management strategies at the enterprise and line of business levels
• Provides analysis and support in the execution of complex liquidity and financial initiatives
• Prepares liquidity analysis and reporting to governance committees, senior management, regulatory bodies and the USAA Board of Directors
• Ensures all activities are completed within compliance and regulatory policies and processes
• Executes the preparation of liquidity policies and comprehensive contingency funding plans
• Advises key stakeholders on liquidity management issues according to industry best practices
• Conducts analysis and provides recommendations to senior analysts and management for submission to governance committees if a risk tolerance is exceeded

Liquidity Strategy Analyst – Liquidity Management

• Provide decision support for business areas across the association.
• Apply mathematical and statistical techniques and/or innovative /quantitative analytical approaches to draw conclusions and make 'insight to action' recommendations to answer business objectives and drive change.
• Gather, manipulate and synthesize data (e.g., attributes, transactions, behaviors, etc.), models and other relevant information to draw conclusions and make recommendations resulting in implementable strategies.
• Leverages advanced business, analytical and technical knowledge to participate or lead discussions with cross functional teams to understand and collaborate on highly complex business objectives and influence solution strategies.
• Applies advanced analytical techniques to solve business problems that are typically medium to large scale with significant impact to current and/or future business strategy.
• Translates recommendations into communication materials to effectively present to various levels of management.
• Incorporates visualization techniques to support the relevant points of the analysis and ease the understanding for less technical audiences.
• Identifies and gathers the relevant and quality data sources required to fully answer and address the problem for the recommended strategy through testing or exploratory data analysis (EDA).
• Integrates/transforms disparate data sources and determines the appropriate data hygiene techniques to apply.
• Thoroughly documents assumptions, methodology, validation and testing to facilitate peer reviews and compliance requirements.
• Understands and adopts emerging technology that can affect the application of scientific methodologies and/or quantitative analytical approaches to problem resolutions.
• Delivers analysis/findings succinctly to convey understanding, influence various levels of management, garner support for recommendations, drive business decisions, and influence business strategy.
• Provides subject matter expertise in operationalizing recommendations.
• Remains informed on current data and analytics trends, (Ex: Cloud, Data Mining, Python, Neural Networks, Sensor data, IoT, Streaming/NRT data).

Senior Decision Science Analyst – Property and Casualty

• Provide decision support for business areas across the association.
• Responsible for applying mathematical and statistical techniques and/or innovative /quantitative analytical approaches to draw conclusions and make 'insight to action' recommendations.
• Gather, manipulate and synthesize data (e.g., attributes, transactions, behaviors, etc.), models and other relevant information to make recommendations resulting in implementable strategies.
• Participate in discussions with cross functional teams to understand and collaborate on business objectives and influence solution strategies.
• Apply advanced analytical techniques to solve business problems that are typically medium to large scale.
• Translate recommendation into communication materials to effectively present to colleagues for peer review and management.
• Incorporate visualization techniques to support the relevant points of the analysis.
• Identify and gather the relevant and quality data sources required to fully address the problem for the recommended strategy through testing or exploratory data analysis (EDA).

Decision Science Analyst – I

Manager

• Define and maintain program strategies commensurate with the level of risk, size, and complexity to ensure individual efforts align with organizational goals.
• Responsible for providing input and recommendations on multi-year business plans to deliver business capabilities and define execution approach to achieve business goals while reducing risk and delivering early business value.
• Facilitate meetings with executive management and project/program sponsors to define solutions and delivery.
• Prepare reports that provide stakeholders and management with status updates to include identifying risks or issues.
• Perform analysis, root cause identification and development and recommendation of key work products.
• Negotiate agreements, settle disputes equitably and diffuse situations.
• Negotiate program tradeoffs with IT and the business as the program develops to ensure alignment of demand to capacity.
• Adhere to EPMO processes, procedures, controls, standards, tools, and templates (as required).
• Adhere to governance rigor required for work efforts.
• Drive the adoption and sustainment of changes within the organization in compliance with USAA’s Change Management methodology.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.