Director Ecosystem Security & Integrity

  • Foster City, CA
  • Full-time

Company Description

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.

Job Description

Ecosystem Security & Integrity (ESI) is a critical global risk management group driving Visa’s business growth by upholding the security and integrity of the payment ecosystem. ESI’s primary mission is to protect Visa and payment system participants from brand damaging and illegal activity and to promote trust in the Visa brand. This mission is carried out through the ownership of policy and strategy for the ESI compliance programs that monitor the payment system for illegal or brand damaging activity—including excessive fraud and disputes—as well as compliance with data security standards. ESI maintains global oversight over regional execution of the compliance programs and manages any escalations or cross-regional coordination. ESI also controls payment acceptance related to high-brand risk merchants, involving goods or services that are highly regulated or deemed illegal in certain jurisdictions and manages risk involving third party agents. ESI members work with internal and external stakeholders to further its mission, address potential threats, participate in the development of mitigation strategies for emerging ecosystem risks, and act as Visa’s subject matter experts for global payment system risk.

The ideal candidate will be an experienced payment system risk leader with deep knowledge of payment acceptance, transaction processing, and acquirer/issuer risk operations. Applicants should possess a proven record of accomplishment managing risk programs on an inter-regional or global scale and must be capable of driving ESI’s compliance program objectives across the global payment system. Applicants should possess strong analytical and investigation skills and be able to translate metrics, models, research, and trends into an operational strategy, while fostering positive internal and external relationships. Due to its critical mission and interaction with top-tier clients, ESI members are held to a high standard of accuracy combined with an elevated level of responsibility. The candidate must be a team player with excellent written and verbal communications skills.

Responsibilities and Duties

  • Conduct global oversight of compliance program operations, including procedures, approval requirements, and ensure that a consistent global approach is used in managing compliance cases so that any internal audits are successfully passed.
  • Coordinate with the regional risk teams on escalated compliance cases and managing events that pose a higher level or risk to the global payment system, including engaging senior relationship and product managers on top-tier client and merchant compliance cases and providing management briefings.
  • Maintain and update program rules, procedures and documents as well as enhance VisaOnline (VOL) content and publish Visa Business News (VBN) articles as needed.
  • Implement new programs and initiatives aimed to detect and address methods deployed to circumvent ESI’s compliance programs.
  • Provide value added insights, thought leadership and drive objectives to enhance strategic relationships and address emerging ecosystem risk trends, such as cryptocurrency.
  • Manage investigations of compliance violations including activity analyses, case management, client communications, coordination with internal stakeholders and imposition of risk reduction measures and other restrictions.
  • Deliver consultative support, intelligence, documentation, and training to clients and internal staff to enhance their risk management skills and to mitigate emerging risks.
  • Manage client reviews for compliance with the Global Acquirer Risk Standards and the Prepaid Issuer Risk Program as well as risk restrictions placed on clients and third parties.
  • Conduct data analysis and quality evaluations to drive compliance program effectiveness and monitor regional program operations. Test and socialize proposed program enhancements with internal and external stakeholders and update the Visa Rules and procedural documentation as needed.
  • Prepare reports, briefings, and conduct presentations for executive management on program activities and ecosystem risk issues affecting Visa, and overall payment system participants
  • Ownership of Visa’s global online gambling policy and contribute to policy and rule development for specific industry segments, such as cryptocurrency, payment facilitators and marketplaces.
  • Contribute to the development and enhancement of client-facing publications, training decks aiming to assist clients in strengthening their risk postures and ability to prevent and mitigate compliance violations.
  • Play an active role in the development and execution of technology initiatives driving enhancements for compliance program operations and risk monitoring systems with Risk MIS and outside vendors.

Qualifications

Basic:

  • 10 or more years of work experience with a Bachelor’s Degree or at least 8 years of work experience with an Advanced Degree (e.g. Masters/ MBA/JD/MD) or at least 3 years of work experience with a PhD

Preferred:

• 10+ years of work experience with Five years or more of payments industry experience as a manager or above.

• People management experience required

• Three years of payment acceptance risk management experience centered on compliance, fraud mitigation, and dispute reduction.

• Superior knowledge of factors influencing fraud and driving acquirer and issuer risk management practices.

• Proficient understanding of the payments industry, including payment acceptance, transaction processing, and related technologies.

• Experience with merchant underwriting and risk monitoring highly preferred.

• Strong relationship management skills and the ability to influence at a senior management level both internally and externally with top-tier strategic partners.

• Proven analytical, investigative, and problem-solving skills and the ability to translate data into actionable intelligence that can be operationalized.

• Ability to produce and deliver high-quality reports and presentations to internal and external stakeholders.

• Strong teamwork, people management, and relationship-building skills with a high degree of ethics, professionalism, accountability, and self-motivation.

• Highly effective written and verbal communication skills, including public speaking and conducting webinars

• Highly proficient in all Microsoft Office products with emphasis on Excel and PowerPoint

• Moderate financial analysis experience and ability to read financial statements and conduct forecasting preferred

Additional Information

Work Hours: Varies upon the needs of the department

Travel Requirements: This position requires travel 5-10% of the time.

Mental/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.

Visa is an EEO Employer.  Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status.  Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

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.

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