Exhibit 31



CERTIFICATION PURSUANT TO

Rule 15d-14(d)



I, Thomas Cianelli, 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
                                                                                                                                                2015-1
                                                                                                                                                (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;
| | -- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 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;
| | -- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 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
| | -- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 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.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------







In giving the certifications above, I have reasonably relied
on information provided to me by the following unaffiliated party: U.S. Bank National Association.



| | /s/ Thomas Cianelli                                                                                    | 
| | ------------------------------------------------------------------------------------------------------ | 
| | Name:  Thomas Cianelli                                                                                 | 
| | Title:  Senior Vice President, Treasurer (senior officer in charge of securitization of the depositor)



March 30, 2017