As the world’s leader in digital payments technology, Visa’s mission is to connect the world through the most creative, reliable and secure payment network – enabling individuals, businesses, and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s dedication to innovation drives the rapid growth of connected commerce on any device, and fuels the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce.

At Visa, your individuality fits right in. Working here gives you an opportunity to impact the world, invest in your career growth, and be part of an inclusive and diverse workplace. We are a global team of disruptors, trailblazers, innovators and risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, and doing meaningful work that brings financial literacy and digital commerce to millions of unbanked and underserved consumers.

You’re an Individual. We’re the team for you. Together, let’s transform the way the world pays.

The Senior Director of Risk Solutions is responsible for helping manage and direct CyberSource’s world-class fraud solutions.  By working closely with regional sales, marketing, risk and product management, they will ensure the business fully supports client needs, through all possible channels to meet changing regional requirements. The Senior Director of Global Risk Solutions is also responsible for driving strategic fraud initiatives and reporting progress to senior executives.

The ideal candidate will have significant experience in the payments industry, in merchant/acquiring risk and product strategy. The candidate must be a creative problem solver who works well in a highly collaborative environment, can bring structure to ideation teams, and has an ability to effectively communicate at all levels of the organization. The candidate must be able to demonstrate over time specific CyberSource risk product expertise to both internal and external clients.

Responsibility

• Construct, propose and sell a robust vision for all products belonging to CyberSource’s Risk Management suite and evangelize that product vision throughout the global organization, Visa and with clients.

• Help promote Cybersource’s leadership in the merchant and acquiring risk management solutions through delivering leading solutions and services for clients

• Work closely with technical product management counterparts to define feature-level technical requirements for new risk products, as well as provide support to prioritize enhancements to existing solutions

• Work closely with global Product groups to ensure regional requirements are represented on roadmaps, dev backlogs, and prioritized accordingly.

• Create comprehensive business plans including: competitive landscape, SWOT, market potential (by region), customer and financial targets, distribution opportunities, potential partner relationships, operational support, marketing and communication plans.

• Help lead cross-functional core and extended business teams across Visa to understand the opportunity, review the health of the overall Risk Solution business, identify opportunities for growth, address issues, propose Risk roadmap priorities and drive recommendations to company executives.

• Become a “face” of CyberSource’s Risk Solutions within the industry, Visa, the global merchant and acquirer communities, as well as internally by representing our vision, expertise, capabilities and our market leadership position. Maintain close relationships with key merchant business contacts and end-users to proactively solicit feedback on features, functionality, services and future requirements. 

• Work closely with Global Sales management to understand market needs, opportunities, competitive landscape, distribution/partnership opportunities and win/loss data.   Participate in strategic sales meetings to galvanize support for selling more of the solution while providing updates on new development activities, features/functions, program activities, vision, etc.

• Provide challenge to and/or modifications to product constructs, if they create incremental risk to Visa. Identify and validate solutions that can be deployed to resolve execution issue/risk

• Identify key partners and vendors, either business or technical, and lead relationship management and contract negotiation.  Ensure cost structures enable competitive pricing for feature/function additions.

• Advanced degree required.

• 10+ years’ experience in Solutions Strategy and Product Management.  Specific industry experience in eCommerce and direct responsibilities for managing the prevention of transaction fraud at the merchant and acquirer level is required.

• Strategic thinker who can balance big picture strategy and detailed execution.

• Experience managing the design, development, implementation and maintenance of risk based solutions for the merchant and acquiring community.

• Proven history of managing risk-based products through phases of a product’s lifecycle – from concept through management and ultimately sunset.

• Understanding payments landscape and ability to translate product strategy into executable plans.

• Able to build relationships and gain exposure to internal and external client leadership teams through demonstrating key domain expertise.

• Direct, hands-on experience with development, deployment and configuration of fraud strategies within a merchant or acquirer context to meet particular fraud objectives, i.e., minimizing chargebacks, false positives or operational costs.  

• Comfortable with consumer authentication protocols, including 2nd factor, 3d secure 1.0 and 2.0 and differences between regional and card brand implementations.

• In-depth knowledge of Visa and Cybersource risk solutions with the ability to identify potential synergies gained through partnership offerings, or market gaps.

• Knowledge of statistical models, rule based fraud detection and chargeback mitigation solutions and their impact on card not present transaction processing.

• Deep understanding of fraud prevention providers, including the ability to evaluate potential partnership opportunities or acquisition targets. 

• A highly analytical and structured thinker with an excellent ability to put complex ideas into clear frameworks and to use data to drive strategic objectives and priorities.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of Article 49 of the San Francisco Police Code.  All your information will be kept confidential according to EEO guidelines.