VP - Senior Financial Officer - P&C

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

The VP, Senior Financial Officer (SFO) leads a team of professionals accountable for providing strategic decision and operational finance support to the line of business or staff agency. In this role, the SFO oversees the direction, control, and coordination for CFO related activities, including financial planning & forecasting, budgeting, Cost Benefit Analysis, operational efficiency, client relationship support and talent management & development. In addition, the SFO monitors the system of accounting and financial controls including revenue and expense recognition, accounts receivable and accounts payable. This role develops and reviews both internal and external material reported to Board of Directors, rating agencies, regulators, and senior management. This function is the integral financial resource for line of business or staff agency.

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 any of our offices including San Antonio, Plano, Phoenix, Tampa, Charlotte or Chesapeake.

*** Relocation assistance is only available to San Antonio for this position ***

The Opportunity:

The VP, Senior Financial Officer (SFO) for P&C leads a team of professionals accountable for providing strategic decision and operational finance support to the P&C line of business. In this role, the SFO oversees the direction, control, and coordination for CFO related activities, including financial planning & forecasting, budgeting, Cost Benefit Analysis, operational efficiency, client relationship support and talent management & development. This role develops and reviews both internal and external material reported to Board of Directors, rating agencies, regulators, and senior management. This function is the integral financial resource for line of business.

What you will do:

• Provides executive leadership for the development and execution of USAA's financial strategy for the line of business or staff agency by contributing financial insights and aligning with the broader business strategy and regulatory expectations.
• Manages operations of the SFO team, ensuring effective execution of core financial processes and use of supporting technologies.
• Communicates clear expectations, roles and responsibilities within the SFO team and supports accountability for operational deliverables.
• Facilitates the execution of business transformation initiatives and innovation efforts in support of the line of business or staff agency's operational goals and USAA priorities.
• Leads a team of employees through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities.
• Facilitates the development and execution of the vision, and strategy for the line of business or staff agency's financials for effective operational planning and forecasting, while operating within risk appetite parameters.
• Assists in identifying and implementing responses to meet business challenges, including projection of regulatory performance and compliance.
• Collaborates with other CFO functions, control partners, and key stakeholders in resolving issues/concerns to mitigate risk.
• Implements control procedures and monitors financial accounting activities—such as asset and liability reserving, revenue and expense recognition, accounts receivable and accounts payable—ensuring compliance with internal policies and external standards.
• Applies established quantification techniques for review and control processes to ensure the accuracy of actual and projected financial statements.
• Leads the financial planning, forecasting, and stress testing impact analysis processes for the line of business or staff agency including budget preparation, reporting, and briefing support.
• Develops and matures diagnostic, sensitivity and predictive models, analytics, tools and business insights to leverage advanced finance techniques to inform business and contingency planning.
• Operates within established policies and guidelines, and acting in accordance with applicable laws, regulations, and supervisory guidance, including ensuring policy exceptions are promptly and effectively assessed and escalated for the SFO function.
• Develops and delivers standardized financial reporting (monthly, quarterly, and annually) on results for assigned area. Responsible for reporting results of operations to senior management.
• Supports the preparation of internal and external material reported to Board of Directors, rating agencies, regulators, and senior management. Responds to third party requests for information, including Regulators and Rating Agencies.
• Participates in identifying, measuring, and monitoring material financial risks, including facilitating the development, adherence, monitoring, reporting on risk limits and risk limit utilization for the SFO function.
• Facilitates and maintains a strong internal control environment within the SFO function, including information systems and preventative and detective controls, to effectively manage material risks and ensures adherence to accounting standards.
• Conducts ongoing financial analysis to identify emerging trends—such as cost drivers, operational inefficiencies, or loss patterns and engages with management to develop and operationalize plans to improve financial performance or resources stewardship.
• Ensures long-term financial strength by identifying and quantifying financial risks, collaborating with Treasury to inform capital planning, and ensuring financial objectives align with capital targets.
• Participates in benchmarking efforts to evaluate financial or operational performance against internal or external comparators. Supports line of business or staff agency and CFO policy, standards and affiliate statement of work updates and revisions.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Minimum Education:

• Bachelor's degree in finance, Economics, or related field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

Minimum Experience:

• 10 or more years of progressive related experience developing strategies, managing major initiatives and delivering results within a complex matrix environment required.
• 8 years of people leadership experience in building, managing and/or developing high performing teams.
• Experience leading cross functional teams and collaborating with key resources and senior level stakeholders, influencing decisions, and managing work to achieve strategic goals.
• Extensive knowledge of the principles and theories of finance, accounting and/or other related business fields and disciplines.
• Strong background in providing sound strategic decisioning utilizing financial analysis and data.
• Executive-level experience with strategic financial planning and forecasting, driving operational efficiency, and synthesizing large amounts of data.
• Meaningful knowledge of inherent risks and inherent risks and meaningful knowledge of the risk management framework, including risk identification, risk appetite and strategy, risk-related decisions, processes and controls, risk analytics and governance.

What sets you apart:

• Extensive P&C Industry experience (Personal Lines)
• State level financial management
• P&C capital management experience
• Experience in launching new insurance products and companies

What we offer: The salary range for this position is: $224,250 – $403,650.

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.

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.

Long Term Incentive Plan: Cash payment for Executive level roles only, representing a cash payment which is both time and performance based.

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

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.