Exhibit 31



CERTIFICATION PURSUANT TO

Rule 15d-14(d)



I, Usama F. Ashraf, certify that:



| | 1. | I
                                         have reviewed this report on Form 10-K and all reports on Form 10-D required to be filed
                                         in respect of the period covered by this report on Form 10-K of USAA Auto Owner Trust
                                         2012-1 (the “Exchange Act periodic reports”);
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| | 2. | Based
                                         on my knowledge, the Exchange Act periodic reports, taken as a whole, do not contain
                                         any untrue statement of a material fact or omit to state a material fact necessary to
                                         make the statements made, in light of the circumstances under which such statements were
                                         made, not misleading with respect to the period covered by this report;
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| | 3. | Based
                                         on my knowledge, all of the distribution, servicing and other information required to
                                         be provided under Form 10-D for the period covered by this report is included in the
                                         Exchange Act periodic reports;
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| | 4. | I
                                         am responsible for reviewing the activities performed by the servicer and based on my
                                         knowledge and the compliance review conducted in preparing the servicer compliance statement
                                         required in this report under Item 1123 of Regulation AB, and except as disclosed in
                                         the Exchange Act periodic reports, the servicer has fulfilled its obligations under the
                                         servicing agreement in all material respects; and
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| | 5. | All
                                         of the reports on assessment of compliance with servicing criteria for asset-backed securities
                                         and their related attestation reports on assessment of compliance with servicing criteria
                                         for asset-backed securities required to be included in this report in accordance with
                                         Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been included
                                         as an exhibit to this report, except as otherwise disclosed in this report. Any material
                                         instances of noncompliance described in such reports have been disclosed in this report
                                         on Form 10-K.
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In giving the certifications above, I have reasonably relied
on information provided to me by the following unaffiliated party: The Bank of New York Mellon.



| | /s/ Usama F. Ashraf                                           | 
| | ------------------------------------------------------------- | 
| | Name:  Usama F. Ashraf                                       
| | Title:  Vice President, Assistant Treasurer                  
| | (senior officer in charge of securitization of the depositor)



March 30, 2015