Heather Cox

Heather Cox joined USAA in October 2016 as USAA’s first chief technology and digital officer. In this role, she leads technology, digital, data, innovation, and design employees who are responsible for designing and building personalized and digitally enabled end-to-end experiences for USAA members.  Heather’s vision for the overall technology transformation is the foundation for USAA’s go forward strategic plan and is the catalyst for both the enterprise pivot to an agile operating model across all lines of business and support function and the updated talent strategy that outlines the job skills for the future.

Heather was named #3 Woman to Watch in banking by American Banker Magazine in October 2017.  In addition, she accepted an invitation to join the International Technology Advisory Panel for the Monetary Authority of Singapore in November 2017

Heather joined USAA from Citigroup where she was the Chief Executive of Citigroup’s FinTech unit. At Citi, Heather’s team was responsible for building the first truly mobile bank of tomorrow through a smartphone-phone centric business model that delivered radically simple, connected experiences across the full range of client services. In addition, Heather was focused on driving digital transformation within the Global Consumer Bank by transitioning the business to an agile development methodology, inviting innovation through the Citi Mobile Challenge and FinTech meet up program, and embarking on the evolution to an Application Program Interface (API)-based organization.

Before becoming the CEO of Citi FinTech, Heather was the Chief Client Experience, Digital and Marketing Officer for Citi. She also served on the board of Citibank Singapore Limited. Prior to joining Citi in 2014, Heather led Card Operations at Capital One Financial Corporation and previously served as the head of North America Operations at E*TRADE.

In 2015, Heather was named one of the 10 Most Innovative CEOs in Banking by Bank Innovation, as well as Digital Banker of the Year and One of the Most Powerful Women in Banking by American Banker. She was also recognized by the Washington Business Journal’s Women Who Mean Business award in 2013 and was named to American Banker’s Women to Watch list in 2011, 2013, 2016 and 2017.

Heather currently serves on the board for LIFT, a nonprofit whose mission is to permanently lift people out of poverty. She is also a member of the International Advisory Panel for the Monetary Authority of Singapore and serves on the boards of St. Stephen’s and St. Agnes schools.

Heather graduated cum laude with a Bachelor of Arts in Economics from the University of Illinois at Urbana-Champaign. She and her husband, Chris, are the proud parents of two teenage daughters.