internal
Wayne Peacock
President and Chief Executive Officer
Executive
5 yr
12 reports
USAA
Enterprise model with insurance, banking, and tech leaders reporting to CEO
Financials · Fortune #93 · Hybrid structure · 38K employees · San Antonio, Texas
9
CEO span
↓ tighter than peers (avg 10)
2.6
Avg span
moderate
3
Max depth
3 levels
4.2 yr
Avg tenure
56%
Internal hires
near industry avg
Interactive org chart
USAA organizational chart
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USAA operates a CEO-centric enterprise structure where insurance, banking, and technology leaders all report directly to Wayne Peacock. This page maps the executive org chart, highlights its flat top layer, and compares USAA’s leadership model with other major insurers.
What to model
Use the chart to test org decisions, not just view reporting lines
Start with the public baseline, then use the scenario views and source-backed changes to ask what happens when leadership, span, or team ownership shifts.
Latest signal Mike McGavick joined as Chief Information Officer
Appointed CIO in 2023 to strengthen enterprise technology and cyber capabilities.
Source · See change logScenario views in the chart
- Add Chief AI Officer Create a Chief AI Officer role reporting to the CEO to coordinate AI, automation, and data strategy across insurance and banking.
- Consolidate Insurance and Bank under COO Move the insurance and banking presidents to report to the COO, reducing the CEO’s span of control.
Atlas work this supports
- Connect Workday or UKG Get these analytics for YOUR org — tenure, span of control, headcount, automatically from your HRIS.
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- Plan a Reorg Use this as a starting point. Model scenarios, compare structures, present options to your board.
The people
Who's running this
9 executives identified as Named Executive Officers in the most recent SEC proxy. Bar length scales with tenure.
internal
Joe Robles Jr.
Chief Operating Officer
Operations
3 yr
2 reports
Mike McGavick
Chief Information Officer
Technology
2 yr
0 reports
Paul Vincent
Chief Financial Officer
Finance
4 yr
2 reports
internal
Mark Prater
President, USAA Insurance
Insurance
6 yr
0 reports
Scott Sibbitt
President, USAA Federal Savings Bank
Banking
4 yr
0 reports
Stacy Martin
Chief Legal Officer
Legal
5 yr
0 reports
internal
Vicky Hummel
Chief Risk Officer
Risk
6 yr
0 reports
Brandon Carter
Chief Human Resources Officer
Human Resources
3 yr
0 reports
The businesses
How USAA divides the work
3 divisions report into the group CEO. Tile size scales with estimated headcount.
Insurance
18K employees
President, USAA Insurance (Mark Prater)
Provides property, casualty, and related insurance products to USAA members.
Banking
6K employees
President, USAA Federal Savings Bank (Scott Sibbitt)
Operates retail banking, lending, and deposit products for members.
Technology
7K employees
Chief Information Officer (Mike McGavick)
Develops and operates USAA’s digital platforms, cybersecurity, and core systems.
The thesis
Why this org is unusual
USAA’s most distinctive structural feature is its enterprise model where insurance, banking, and technology presidents all report directly to the CEO.
This places P&L and platform accountability at the top level rather than under a single COO. The structure reflects USAA’s member-owned model and need to tightly integrate financial services around a single customer base.
The CEO’s span includes nine direct reports across business lines and core functions, producing a relatively flat senior structure. Technology is elevated to the same level as insurance and banking, underscoring USAA’s heavy digital and cybersecurity emphasis. Risk and legal also remain CEO-level roles given regulatory intensity.
- Insurance and banking presidents both report to CEO
- Technology elevated to CEO level
The comparison
How USAA stacks up
Compared with large insurers like State Farm or Liberty Mutual, USAA is flatter at the top and more centralized around the CEO. Many peers route banking or investment units under a COO or group president, whereas USAA keeps business presidents independent. Relative to fintech-oriented peers, USAA more closely resembles …
C-suite size
Reporting depth
Avg C-suite tenure
Has COO / Has CAIO
USAA ✓ COO — no CAIO
State Farm ✓ COO — no CAIO
Liberty Mutual ✓ COO — no CAIO
Current signals
What changed recently
The most consequential recent change was the 2023 appointment of a new CIO, elevating technology as a CEO-level priority.
- Date not confirmed newMike McGavick Chief Information Officer
Appointed CIO in 2023 to strengthen enterprise technology and cyber capabilities.
Source - Date not confirmed reorgEnterprise Operations Operating model
2024 enterprise reorganization consolidated member experience and operations under the COO.
Source
Frequently Asked Questions
Who is the CEO of USAA?
Wayne Peacock has served as President and CEO of USAA since 2020.
What type of organizational structure does USAA use?
USAA uses a hybrid enterprise structure combining functional leadership with business presidents for insurance and banking.
How many direct reports does USAA's CEO have?
The CEO has nine direct reports spanning business lines and core corporate functions.
How has USAA's leadership changed recently?
Recent changes include the 2023 appointment of a new CIO and a 2024 enterprise operations reorganization.
Does USAA have a COO?
Yes. USAA has a Chief Operating Officer overseeing enterprise operations and member experience.
Sources
- USAA Newsroom, 2023
- Company statements, 2024
Reference
Cite this page
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Creately. "USAA Organizational Structure." Last modified April 1, 2026. https://creately.com/org-chart/fortune-500/usaa/.Permanent URL: https://creately.com/org-chart/fortune-500/usaa/ · last updated 2026-04-01