Ecosystem Security & Integrity - Risk Management Manager

Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive.

When you join Visa, you join a culture of purpose and belonging – where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world – helping unlock financial access to enable the future of money movement.

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Ecosystem Security & Integrity (ESI) is a Regional Risk group that is tasked with the role of upholding the security and integrity of the payment ecosystem through the interdiction of illegal and fraudulent activity. This is achieved through the deployment of risk control and/or compliance programs. The programs are deployed through Visa Rules and additional client guidelines and Visa performs the risk control leveraging proprietary tools, specialized third party vendors, regional risk teams, and other stakeholders. ESI also works with internal and external stakeholders to further its charter and initiatives.

The person in this role will support the overall implementation of the Ecosystem Integrity Compliance programs with initial focus on “Acquirer Control” processes as defined in the Visa Integrity Risk Program for the Latin America Region. The objective of these processes is to assess the effectiveness of controls Acquirers have in place to onboard and manage merchants that are active across defined, high-risk merchant activities. This person will perform “underwriting” as well as an “ongoing monitoring”, assess Acquirer controls and processes against defined minimum standards and acceptance criteria that are used to approve Acquirers to be active across such activities. The person will ensure related policies, procedures, and controls are executed consistently across the LAC region as well as by internal and external stakeholders

Essential Functions

• Perform underwriting / assessment of the effectiveness of controls Acquirers have in place to onboard and manage merchants covered under Visa’s Integrity Risk Program. Such underwriting may include any of the following, review of Self-Assessment Questionnaires, of Acquirer Policies, Procedures and sample Merchant Files, various external diligence information, payment fraud performance, etc.
• Perform periodic risk-based assessment of Acquirers covered under Visa’s Integrity Risk program, with ongoing monitoring
• Support Visa’s Close Monitoring process and coordinate risk and threat management actions vis-a-vis ecosystem participants posing an excessive risk or potential threat — exceeding Visa’s stated risk tolerance.
• Assist in conducting on-site Acquirer Audits, or coordinate Audits through 3rd parties
• Engage with MSA and Account Executives to share intelligence, assess mitigating actions, and ensure clear accountability across functions and/or individuals to drive a consistent and timely remediation approach
• Provide regular and ongoing reporting, metrics and information related to program execution and effectiveness and assist with presentations and training materials.
• Support the execution of all Ecosystem Integrity Compliance Risk Programs and work on Ad hoc requests and special projects
• Working closely with the Global Visa Integrity Risk Program Management Office and provide insights into industry reviews of high-risk activities, and recommend program changes to ensure continuous program effectiveness for our region

This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.

• 5 or more years of relevant work experience with a Bachelors Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD

• Knowledge or experience in audit or underwriting
• Problem solver with the ability to connect the dots and design solutions that require deployment and/or buy-in across a larger group of stakeholders
• Visa or Payments industry experience with focus on risk products & services, risk programs or related domains
• Ability to manage sensitive content calmly
• Strong verbal and written communication with the ability to structure, synthesize and deliver content on complex topics in a simple and crisp manner
• 6 or more years of work experience with a Bachelors Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or up to 3 years of relevant experience with a PhD
• Relationship & Client Management Experience
• Flexible and creative thinker with strong execution skills, generate out-of-the-box solutions, manage ambiguity, anticipate the impact of decisions/initiatives and able to move seamlessly from high level concepts to details
• Passionate about communications, presentation design, policy making, writing, payments, law, international/ geo-political events and how they impact payments
• Bias for action and ability to work in fast-paced environment
• Attention to detail and organized

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 applicable local law, including the requirements of Article 49 of the San Francisco Police Code.