Fascinated by the future and captivated by technology?

Smart, driven and want to make a difference in the world?

You’ll fit right in.

Join a diverse team at Visa, where your individuality fits right in. We can provide the opportunity to shape the payments experience globally. Together, let’s transform the way the world pays.

Think you know us?

Our mission is to connect the world through the most innovative, reliable and secure digital payment network that enables individuals, businesses and economies to thrive.

Individuality fuels our brand and our global team – we’re proud that we are a talented team of 15,000 individuals with unique backgrounds, perspectives and experiences. Therefore, we understand that you are much more than your day job. We encourage quality of life outside of the office, whether it’s taking advantage of agile work schedules or our wellness programs, Visa respects and encourages meaningful work/life balance for everyone. In addition, we offer market leading salary and have a fantastic benefits offering.

So, if you’re not satisfied with the status quo, we can satisfy your desire to explore new territory, giving you the runway to really make an impact, whilst connecting you with teams around the world in a truly inclusive culture that celebrates our uniqueness.

If you think you could support Visa as an AML Senior Manager, we want to hear from you – together, let’s make Visa a great place to work.

What's it all about? 

As a global payment system, Visa maintains global Anti-Money Laundering, Anti-Terrorist Financing (AML/ATF) and Sanctions Programs, established under formalised policies and procedures. This position is the subject matter expert role for AML, ATF and Sanctions related activities and will oversee and ensure effective execution of those activities across the European region. The position is critical in sustaining Visa’s ethical culture and global Compliance Program.

Based in London or Dublin, the role reports to the Senior Director of Global Compliance (Visa Direct), with strong lines of communication and reporting to Head of AML Europe (MLRO). 

Visa Direct is an exciting payment service that Visa provides to clients (issuers, acquirers, processors, merchants and service providers) to facilitate funds transfers and disbursements to Visa accounts in the U.S. and around the world using push payment technology, i.e. Original Credit Transaction (OCT). 

Visa Direct consumer and business applications include person to person (P2P) money transfer, person to micro-business (P2MB) transfer (e.g. payment for goods and services sold by very small businesses), marketplace payouts to gig economy participants, funds disbursement (e.g. insurance claims), and more.

In order to offer ubiquitous reach in key global markets, Visa Direct will be expanding to offer a Payouts service to support payments through real-time payments, ACH schemes and other digital stores of value. This will expand the scope of Visa's push payments services to include connectivity into 90+ new payment types worldwide.

The AML Senior Manager in the AML Compliance team will be a key member of the Global AML & Sanctions leadership team.  

What we expect of you, day to day. 

• Assist to develop the relevant AML policy standards, its Risk Based Approach, engagement models, establishing communications content and cadence, and providing strategic guidance to global and regional efforts. 
• Engage with credibility and authority with clients and regulators and communicate clearly the platform’s risk and compliance features. 
• Knowledge of global industry and regulatory trends in the areas of AML/KYC and risk scoring - this is critical as is experience in building solutions and processes to manage these. 
• The ideal candidate should be able to work independently towards an agreed strategy and results, and be effective in a dynamic, matrixed environment under demanding timelines.
• Manage Visa Direct product-specific BSA/AML and sanctions risk strategy, standards, procedures and risk assessments to support the product roadmap, rollout, and service offering
• Partner with cross functional teams to define enhanced controls, tools and compliance monitoring rules for originated programs impacting authorization confidence and issuers’ Visa Direct enablement
• Execute VD monitoring rules to ensure participants’ compliance with product parameters, their PIFs and other best practices
• Interact with senior management in Product, Compliance, Legal, Risk, and regional business units concerning AML/CTF issues and processes
• Stay up-to-date of regulatory and corporate governance developments affecting payments
• Report periodically on program status and escalate issues to senior management
• Support resolution of compliance issues in partnership with regional Compliance & Client Services teams
• Communicate priorities, activities, and results to the larger organisation, including senior leadership.
• Identify and take on ad hoc strategic projects and execute on key initiatives, including closing any gaps in product features and functionality

What we're after...

• ACAMS certificate and professional AML/ATF accreditation required
• High level of experience implementing AML/ATF, Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC programs at an MSB or Bank FI;
• Significant experience in management of AML/ATF and Sanctions programs and controls within the financial services industry
• Sound knowledge on AML/ATF typologies and exposure to transaction monitoring applications/systems
• Good understanding of core pillars of effective AML/ATF and Sanctions programs and appropriate legislation
• Good knowledge of industry products, regulations and related AML/ATF trends
• Highly analytical and self-motivated, adept at working independently and in a dispersed team environment covering multiple and varied tasks
• Capable of working collaboratively with employees from all levels of the organisation
• Flexible to work in an environment where needs are continually changing
• Strong attention to detail and ability to manage multiple projects/ initiatives to conclusion through multi-functional teams.
• Intuitive, highly ethical and comfortable to question and challenge when required
• Strong communication skills (verbal and visual) with an ability to explain complex compliance, business and technical concepts to broad audiences in an approachable way
• Ability to multi-task and able to work with minimal supervision
• An additional language would be beneficial but not essential
• Passion for payments and creating new solutions
• Visa or card industry knowledge would be an asset
• Multi-national experience and perspective would be a strong plus
• Fast learner and critical thinker, ability to interpret rules and policies and clearly articulate applicability to programs

This role can be based in London or Dublin

Physical Requirements

This position will be performed in an office setting.  The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers, reach with hands and arms, and bend or lift up to 25 pounds.

Think you have what it takes?

If you are interested in a career that will challenge and inspire you – we’d love to hear from you!

Diversity & Inclusion

Universal acceptance for everyone, everywhere, is not only our brand promise, it’s the foundation of our company culture. We foster a feeling of connectedness in the workplace, support diversity of thought, culture and background, fight for important initiatives like Equal Pay and actively work to eliminate unconscious biases that hold us all back.

By leveraging the diverse backgrounds and perspectives of our worldwide teams, Visa is a better place to work and a better business partner to our clients.