Director, Bundled Acquiring Risk

  • Full-time
  • Job Family Group: Risk

Company Description

The Bundled Acquiring team at CyberSource/Authorize.Net manages underwriting, onboarding, risk, operations, and compliance for our Bundled Acquiring and ACH offerings. The team is responsible for decisioning merchant applications, as well as managing risk and compliance for these merchants throughout the entire customer lifecycle.  In order to ensure the quality of the solution, as well as delivery of an excellent customer experience, the team engages deeply with Sales, Product, and Support, as well as works very closely with our acquiring and ACH partners. Finally, the Bundled Acquiring team plays a leadership role within CyberSource/Authorize.Net on acquiring and risk related issues, and works with cross-functional teams to develop solutions applicable across the entire merchant portfolio.

The Director, Bundled Acquiring Risk, will play a critical role in the continued improvement and evolution of our Bundled Acquiring offering. This person needs to have a deep background in risk, with strong knowledge of best-in-class risk practices for both credit card and ACH processing, as well as experience with regulatory, card brand, and NACHA compliance. The ideal candidate will be a strategic thinker, who is able to exercise sound judgement, while simultaneously implementing and executing against the organizations broader goals of improving the merchant experience, maximizing approval rates, and reducing friction in the onboarding process. This person will need to collaborate with their peers across the team to ensure consistency of approach and compliance with all relevant policies. The Director will also work closely with Product Management to evolve and improve our risk tools. Finally, this person will play a key role in the implementation of our Bundled Acquiring strategy, which will entail working with both external partners and cross-functional teams in order to ensure we are providing a consistent experience across multiple partners.

Job Description

  • Will act as the subject matter expert on risk and compliance issues related to merchant acquiring and ACH processing. This person will need to be able to speak authoritatively on these matters to both internal and external parties.

  • Manage a team of seasoned analysts, tasked against risk, compliance, and card testing. This team will also perform audits of analysts across underwriting, onboarding, and risk to ensure consistent applications of our processes and procedures. 

  • Work with peers in underwriting, onboarding, and operations to continuously improve our risk management processes so that we maximize approval rates and merchant experience, while maintaining loss rates within expected parameters. 

  • Understand the needs of Operations, Risk, Customer Support, and Finance, to ensure that Bundled Acquiring partners provide the system access and data needed in order for the Company to provide merchants with a world-class experience

  • Work cross-functionally with Product to enhance our internal and external risk tools.

     

Qualifications

  • 7-10 years’ experience in payments, with an emphasis on Merchant Acquiring.

  • Experience with underwriting, merchant onboarding, risk management, reporting, and support.

  • Undergraduate degree required. Graduate degree preferred.

  • Excellent written, oral, presentation and interpersonal skills to champion internal/external communication.

  • Ability to work with cross-functional teams.

  • Strong understanding of CyberSource/Authorize.Net, its clients, and its products.

  • Hard worker who is self-motivated and adept at working on multiple and varied tasks.

  • Ability to perform under pressure and capable of working collaboratively with employees throughout the company.

Additional Information

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