USAA Modern Data Architecture Detailed Approach Discussion with

USAA Modern Data Architecture Detailed Approach Discussion with Deloitte June 9, 2017

Meeting Agenda 1 2 Team Introduction Our team has deep subject matter expertise and experience in helping clients transform their Data & Analytics organizations to meet market demands and a proven history in implementing innovative technologies Our Proposed Approach A look at Deloitte’s tailored approach to USAA as a strategic partner in accelerating USAA’s Data & Analytics Transformation program. Copyright © 2017 Deloitte Development LLC. All rights reserved. 2

Our Proposed Engagement Approach For USAA 1 3 Workshop led strategy work-stream to accelerate business alignment, strategy, vision, prioritization, road-map 2 Expert secondment team to work with you to accelerate your initiatives and execute tactically Expertise, facilitation, leadership, industry insight and oversight from SME Deloitte Partners to support your engagement with business and technology leadership Copyright © 2017 Deloitte Development LLC. All rights reserved. 3

Deloitte Subject Matter Advisors Meeting With You - Proposed Secondment Team Our team has deep subject matter expertise and hands on experience orchestrating and delivering enterprise data and analytics transformation programs – business strategy and alignment, analytics and data requirements, big data/machine-learning/cloud technology delivery, and in empowering analytics enabled digital customer journeys. Role Name Experience Data Program Expert / Project Lead Sarvesh Saundankar, PMP • Senior technology leader with 23+ years of experience • A proven track record of delivering complex, global programs such as Data platform, Big data/Data Lakes, BI Analytics using modern architecture frameworks, Center of Excellence • Adept at partnering with senior leadership, stakeholders and clients to establish vision and strategy, and translating into actionable plans across technology and operations units. • Clients: Multiple fortune 500 companies such as Travelers Insurance, The Hartford, GE, Charter Communications, HP etc. Kirstan Vandersluis • Senior technology leader with 25+ years of experience • Published author on enterprise data integration and Data SOA • Extensive experience in both strategy and implementation and specializing in enterprise information management strategy, architecture, data integration, service-oriented and micro-service architecture, messaging, and big data analytics. • Expertise in policy data integration, messaging, distribution, API enablement, web services. Experience in implementing ACORD and other insurance standards based solutions. • Clients: T. Rowe Price, Wells Fargo, Fannie Mae, Bank of America, ING, Merrill Lynch, Synovus, NYSE, AXA, DTCC, HSBC, Oppenheimer Funds, Midland National Life, and others. Konstantine Dagres • • Insurance Enterprise Data and Analytics Strategy, Architecture & Solutions Expert Insurance, Banking, Asset Management Business Information Model Subject Matter Expert / Industry Models Expert Insurance, Banking, Wealth Management, Asset Management Technology leader with over 25+ years of experience. Led the creation of industry data models in insurance and banking – IBM IIW, IBM BDW Recently led the delivery of a Finance-Risk Data Lake for a global bank on Big Data technologies Data architect and business solutions expert in advanced information management and analytics with significant expertise in traditional and hybrid business solutions, business information models and data hubs • Extensive experience delivering business driven data solutions that enable analytical insight creation for customer life cycle management, banking, insurance, asset management and wealth management. • Clients: HSBC, AIG, Mizuho, Nordea Bank, Achmea Group, Wells Fargo, JPMorgan, Deutsch Bank, Citi, SCB, Morgan Stanley, BB&T Bank, Sun. Trust Banks, ICBC Our team will work under Jeffery Banks’s leadership and is committed to deliver USAA’s “Modern Data Architecture Platform” Copyright © 2017 Deloitte Development LLC. All rights reserved. 4

Proposed Secondment Team continued. . Role Name Experience Big Data & Cloud Technology Architecture and Delivery Expert Prithvijit Mazumder • Deep Big Data, Analytics and Cloud Technology leader with over 17+ years of hands on delivery experience. • Delivered Auto Insurance Telematics solution leveraging Big Data (Hadoop/Spark - Cloudera) for a tier 1 Insurance company. Implemented real-time streaming and capture of Telematics Data and enabled analytics such as Digital Finger Printing of drivers. • Architected Finance Data Lake solution for a global bank. Implemented visualization and analytics solutions on top of the Big Data Lake on Hortonworks. Involved in architecting the same solution on AWS and porting the Data Lake solution to Cloud leveraging native AWS technologies. • Experience in delivering Hadoop/HIVE based Payments data aggregation and analytics solution for a tier 1 US Bank. Experience in integrating 18 payment data formats and normalizing data into HIVE for machine learning and analytics. • Strong familiarity and experience with tools and technologies in the Big Data and Analytics eco-system. • Created Advanced Text Mining & Analytics solution leveraging Hadoop/Spark and Natural Language Processing Technologies (NLP). Piloted solution with Call Center Data. • Clients: HSBC, Allianz, EWS, JPMC, Morgan Stanley, Citi, AIG Anthony Downing • Add details Insurance, Banking, Capital Markets, Asset Management Customer Journey Expert Insurance Our team will work under Jeffery Banks’s leadership and is committed to deliver USAA’s “Modern Data Architecture Platform” Copyright © 2017 Deloitte Development LLC. All rights reserved. 5

Our business-led approach draws a common vision from stakeholders using an interactive Greenhouse Lab, which then informs and drives the approach across data management, architecture, and organizational structure Program/Project Management and Governance Weeks 1 -4 Weeks 5 -9 Weeks 10 -12 Execution Roadmap Development • Conduct working sessions on Customer Acquisition & Customer Servicing to map required Data Ecosystem capabilities across the customer journey • Define data ecosystem requirements to support future journey goals • Conduct drill-down working groups to refine and agree on target state • Capture existing EDM capabilities – people, process, technology, governance • Define Business Information Model • Define business functions, priorities, business cases/sub-cases • Define business data domains required to support business functions and cases. • Identify gaps in data, functions, processes, capabilities, people, tools • Define analytics & machine learning use-cases required to support the Customer Journey • Define data required to support the analytics and machine learning use-cases • Define the Business Architecture • Business Data Model across business priorities, domains • Conceptual and Logical Data Model • Complete Business Information Model • Complete Business Architecture • Align items to Roadmap • Define data architecture to support agreed business vision and use cases • Identify target “trusted source” per data domains • Define lifecycle and flows per data domain • Define target state telematics • Define target state big data analytics, machinelearning, cognitive, AI • Define projects to achieve target state business vision (people, process, technology) • Prioritize and sequence initiatives required into an executable roadmap • Define operating model and organizational changes to achieve data management end state Data Arch • Organize and deliver Greenhouse Executive Lab to align business units to a common strategy, vision and highest priority business-technology use cases • Capture existing customer journey strategy and plans across in scope lines of business • Draft shared customer journey goals for Acquisition, Processing and Retention • Jointly define high level business use cases which will drive information architecture and organization Data Ecosystem Strategic Alignment / Customer Journey Target State Vision Bus Info Model Current State Assessment • • • Capture existing data architecture Create map of data domains to technical arch. Identify trusted sources per domain Document flows across data lifecycle Capture existing advanced technology strategy to include cloud, telematics, and big data analytics • Conduct working session on Customer Retention to map required Data Ecosystem capabilities across the customer journey • Prioritize and sequence requirements to support project and operating model definition • Develop customer journey/experience focused roadmap • Conduct working sessions on the definition of the overall data and analytics program USAA Ongoing Data Management, Data Architecture, Organization Development Activities Copyright © 2017 Deloitte Development LLC. All rights reserved. 6

Sample Deliverables Insurance, Banking, Wealth Business Cases & Sub Cases Integrated Business Architecture Copyright © 2017 Deloitte Development LLC. All rights reserved. Business Case To Data Domains Mapping Approved Data Sources / Golden Sources Advanced Modeling & Machine Learning Requirements, Customer Analytics Use-Cases Next Gen Big Data & Cloud Technology Architecture 7

Team BIOs 8

Deloitte Secondment Team BIOs Konstantine Dagres Consulting Specialist Leader Deloitte Consulting LLP Kirstan Vandersluis Consulting Specialist Leader Deloitte Consulting LLP For over 15 years, Konstantine has delivered business technology-driven data solutions that enable analytical insight creation for customer, product development, risk management, finance, asset management and treasury functions across banking, insurance, capital markets, asset management and insurance. A senior data architect and business solutions expert in advanced information management, analytics and data driven corporate cultures. Significant expertise in traditional and hybrid business solution and data architectures, business information models and data hubs, supporting multiple channels, users, roles and networks. SME for common data models, semantic models, data governance and data quality management, metadata-driven data integration, pattern discovery, distributed and inmemory computing, visual analytics and BI, Master Data Management, and data lineage. During his career, Konstantine has been a key contributor to the development of industry standard domain assets such as the IBM Insurance Information Warehouse, Banking Data Warehouse (BDW), etc. which have enjoyed broad acceptance in the Banking, Insurance, Asset Management and Capital Markets sectors. With a solid client-centered communications approach, and deep domain and data technology knowledge and skills, Konstantine regularly advises senior stakeholders across the client enterprise. Kirstan has over 25 years of Information Management implementation experience, specializing in enterprise information management strategy, architecture, data integration, service-oriented and microservice architecture, messaging, and big data analytics. He has extensive experience in both strategy and implementation for clients including T. Rowe Price, Wells Fargo, Fannie Mae, Bank of America, ING, Merrill Lynch, Synovus, NYSE, AXA, HSBC, Oppenheimer Funds, Midland National Life, and others. Kirstan often speaks and writes about data management, data service and microservice strategies, and published a book in 2004 covering general integration problems and solutions along with XAware-specific solutions. Kirstan has been the Lead Architect for Enterprise Data Solutions at a number of financial service, banks, and asset management companies where he as led the data architecture team to assess, recommended, and implement data management practices and approaches while evangelizing data architecture concepts and usage guidelines across lines of business. Kirstan specializes in interoperability, service oriented architecture and microservices, cloud architecture, and enterprise data architecture Copyright © 2017 Deloitte Development LLC. All rights reserved. 9

Deloitte Secondment Team BIOs Sarvesh Saundankar, PMP Consulting Sr. Manager Deloitte Consulting LLP Prithvi Mazumder Consulting Specialist Leader Deloitte Consulting LLP Sarvesh has over 23 years of experience out of which 15 years of Big Data, data management and BI Analytics experience. Sarvesh advises our clients on how to craft their strategy, vision and roadmap for implementing solutions that focus on solving complex business problems through use of data and analytics. Sarvesh has a strong ability to build, develops, and motivates high performance collaborative work teams in a global environments and digital age that is carving a gap between analytics haves and have-nots. Sarvesh has extensive experience in both developing strategy and implementing for multiple fortune 500 company such as Travelers Insurance, The Hartford, GE, Charter Communications, Gartner etc. He advise clients on how to craft their strategy, vision and roadmap for implementing solutions that focus on solving complex business problems thru the use of data and analytics. Sarvesh relevant experience include as a Program Leader in crafting and executing a Big Data strategic initiative to establish a cloud based Big Data/Data Lake and analytics solution for Insurance and TMT client. In addition, he has delivered Big Data, Business Intelligence and Data Warehouse solutions that support management reporting and operational performance management. He has led the implementation of next generation platform capabilities using cloud based Hadoop ecosystem, advanced visualization and virtualization technology in conjunction with reporting patterns to support revenue growth at a major Insurance and telecommunication and media provider. Deep Big Data, Analytics and Cloud Technology leader with over 17+ years of hands on delivery experience. Delivered Auto Insurance Telematics solution leveraging Big Data (Hadoop/Spark - Cloudera) for a tier 1 Insurance company. Implemented real-time streaming and capture of Telematics Data and enabled analytics such as Digital Finger Printing of drivers. Architected Finance Data Lake solution for a global bank. Implemented visualization and analytics solutions on top of the Big Data Lake on Hortonworks. Involved in architecting the same solution on AWS and porting the Data Lake solution to Cloud leveraging native AWS technologies. Experience in delivering Hadoop/HIVE based Payments data aggregation and analytics solution for a tier 1 US Bank. Experience in integrating 18 payment data formats and normalizing data into HIVE for machine learning and analytics. Strong familiarity and experience with tools and technologies in the Big Data and Analytics eco-system. Created Advanced Text Mining & Analytics solution leveraging Hadoop/Spark and Natural Language Processing Technologies (NLP). Piloted solution with Call Center Data. Copyright © 2017 Deloitte Development LLC. All rights reserved. 10

Deloitte Secondment Team BIOs Anthony Downing Consulting Sr. Manager Deloitte Consulting LLP Copyright © 2017 Deloitte Development LLC. All rights reserved. 11

Deloitte SME Partner BIOs Jojy Mathew Consulting Partner/ Principal Deloitte Consulting LLP Jojy is co-leader of Deloitte’s FSI Analytics & Information Management practice. Jojy has been at the forefront of executing multiple large scale and transformational information management programs often spanning multiple geographies and business entities around such initiatives as Basel RDA (BCBS 239), Basel II & III, Solvency II, Master Data and Reference Data, and Customer Data. He has worked with Global Banks, Insurance Companies, Investment Banks and Regulatory Agencies to successfully deliver end-to-end information management and analytics programs. He has been involved in establishing the Chief Data Office for multiple organizations, establishing Business Intelligence Competency Centers, Analytics and Big Data Shared Services, Data Management Offices and associated services, and is a recognized expert in operationalizing enterprise-wide Data Strategy, Governance and Data Quality programs. Jojy was a reputable investment banker and quant with deep expertise in structuring Mortgage and Asset-Backed Securities, Leveraged Leases and Synthetic Leases, and has developed systems for Banking and Insurance Asset-Liability Management, Investment Accounting, Portfolio Management and Fixed Income Analytics. Jojy has published in multiple books by renowned financial services author-editor Frank Fabozzi, and is recognized as an industry innovator and thought-leader. Jojy was an enlisted member of the US Army (Cobra Attack Helicopter Weapons Systems Technician) from 1986 – 1992. Marc Zimmerman Consulting Managing Director Deloitte Consulting LLP Copyright © 2017 Deloitte Development LLC. All rights reserved. 12

Deloitte SME Partner BIOs Anuj Maniar Consulting Partner/ Principal Anuj Maniar is part of Deloitte’s Financial Services practice with over 17 years of consulting experience financial services industry clients. Focuses on helping organizations leverage customer experience to improve retention and drive growth. Has delivered projects across customer experience strategy, contact center transformation and customer insights and analytics. Helps lead Deloitte’s financial services industry customer experience practice that has developed extensive eminence material and created a set of customized methodologies to help in project delivery. Deloitte Consulting LLP Copyright © 2017 Deloitte Development LLC. All rights reserved. 13

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