While it may not be required for all positions, some roles within USAA may require over 5 years of experience for professional level positions. Browsing their website, roles in areas such as Information Technology, Audit and Insurance, these roles require several years of experience including a Bachelor's degree. If you do not have the years of experience but do possess the schooling and vice versa, explain to the interviewer your skills that are a match for the role and how you would be the best candidate. Offering inside information as to what specific areas of the job description you have experience with and providing some examples would be a great way to answer this question.