Digital Product Authentication and Identity Management Platform Leader - Minneapolis, MN

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

US Bank is a leader in digital in North America. In addition to our award-winning mobile app and critical features, US Bank has an advanced digital platforms product group that spans the enterprise. These enterprise platforms cover all the major areas of banking from onboarding to open banking. One of the critical platforms is our authentication, identity, and KYC platform.

Digital Product Managers at U. S. Bank are customer obsessed in defining and delivering the strategy and vision required for digital experiences to stay ahead of constantly evolving economic, competitive, technological, and customer needs. Ensures a data-driven approach to prioritize “building the right thing” that maximizes results for both end users and internal business partners. Relentlessly focused on ongoing measurement and optimization of digital experiences that support seamless self-service and human-assisted customer interactions. Advocates for reusability of capabilities to drive cost-effective scale and speed to market.

The Enterprise Platform Leader for Authentication, Identity & KYC Management, reporting to the EVP & Chief Product Officer for Enterprise Digital Platforms, will lead a group of Product Leaders to manage and expand the core Authentication, Identity Proofing and KYC capabilities to ensure that we deliver a best-in-class “One U.S. Bank” experience.

This role will create the vision and strategy for the platform which includes capabilities across Login and Credentialing, Step Up Authentication, new customer Identity Proofing and KYC through a suite of twenty digital products.  The aim is to deliver a consistent, low friction customer experience across products and channels, along with high security and flexibility to contribute to revenue growth and cost avoidance for the enterprise.

Additionally, they will partner with the Business line, UX, and Technology leaders to create authentication experiences that meet U.S. Bank business objectives. This includes the development and management of scalable and reusable authentication, identity and KYC capabilities informed by market research, benchmarking, and relevant technology trends. Lastly, they will form strategic partnerships and translate product visions into an executable roadmap while delivering our best-in-class experiences.  

ESSENTIAL FUNCTIONS

• Enable business line product profitability and performance by explicitly connecting digital product objectives, key results and roadmap to business line goals and profitability targets. Balances short- and long-term outcomes of digital product portfolio to ensure timely return on investments. 
• Leverages market and competitive insights, customer needs, and internal business priorities to establish a digital product vision. Vision includes definition of best-in-class, future-state user experience journey and role of experience in delivering competitive differentiation. ​
• Defines the multi-year digital product strategy including target markets, user segments, user problems to be solved, monetization, technical capabilities, build vs. buy decisions etc. ​
• Aligns digital product vision across other enabling functions to establish an integrated delivery roadmap. Regularly re-evaluates priorities during planning to optimize capacity against user and business value creation. 
• Integrates digital products, platforms, and capabilities to drive business value through an enhanced user experience.  Advocates for the reusability and modernization of digital platforms and capabilities across the enterprise to improve speed to market, operational efficiency, risk / compliance adherence etc. Continuously evaluates the external vendor market for new digital platforms and capabilities by discovering, curating, and recommending build vs. buy decisions. ​
• Drives digital product development by actively managing the roadmap through the agile delivery lifecycle. ​
• Actively engages the quad squad (Product, Design, Agile, Engineering) to execute the product strategy and continuously improve ways of working to maximize efficiency and value creation (business and user). ​
• Ensures user needs are being met through an iterative approach to digital product development, including definition of MVP. ​
• Works alongside technical partners to define business / solution architecture leading to build vs. buy decisions, re-usability, performance, and reliability. ​
• Enables the cross-channel strategy (e.g., web, mobile, voice, in person etc.) by delivering integrated digital solutions that drive adoption, engagement and growth across both digital and human customer interactions. ​
• Partners to ensure digital solutions maximize the use of enterprise digital platforms and capabilities and adhere to all design and development standards (design system, performance, reliability, code quality) for the benefit of the user experience. ​
• Prove out the digital experience solution by measuring customer engagement, flow completion and share of digital transactions. Analyze awareness, setup, activation, ongoing usage to identify drop off points, hypothesize solutions, test and optimize to increase digital adoption and retention, creating loveable experiences that drive raving fans.​
• Identifies initial and ongoing digital product-market fit through partnering with cross-functional teams to deliver best-in-class research deliverables such as research briefs, personas, story maps, prototyping, product chartering, and mapping experiences. ​
• Leads and influences research initiatives to achieve a deep understanding of target users and market to build optimized customer experiences that achieve maximum results for accelerated customer demand. Leads consistent review of market trends, economic environments, user research, and testing to continuously improve customer experiences.​
• Establishes data and feedback mechanisms throughout the customer journey to ensure voice of customer is used to guide execution of the digital product roadmap. Ability to establish and monitor dashboards and control plans for ongoing optimization of the customer experience across various modes of interaction. 
• Develops north star metric (NSM) to connect business outcomes to customer value and unify the team and stakeholders against a singular goal. Continuously measures actual results against target NSM in order to manage performance and drive progress against product vision and strategy. Leverage NSM and leading indicators to optimize execution and ensure teams remain focused on highest value work. 

QUALIFICATIONS

• Advanced product management or similar experience
• Typically, 10+ years of experience
• Bachelor's degree or equivalent work experience with MBA preferred

PREFERRED SKILLS & EXPERIENCE

• Well-developed verbal and written communication skills, able to clearly articulate vision and objectives then inspire people to align around a common goal
• Thorough knowledge of competitive market, vendor services, operations and various products and services within authentication, identity, and KYC space
• Strong risk management experience in a highly regulated environment

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

EEO is the Law

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS EEO poster.  

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $208,505.00 - $245,300.00 - $269,830.00

U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.