Program Manager, North America Risk

3 weeks ago


San Francisco, United States Visa Full time

Company Description

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in 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 while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Job Description

The North American Risk team is responsible for executing a suite of compliance programs that protect the payment system from excessive level of fraud, chargeback, illegal and fraudulent activity. The programs deploy client guidelines, Visa Rules, leverage proprietary tools, specialized third party vendors, and leads stakeholders to mitigate risks.

This role supports the design and implementation of Acquirer Control processes, evaluating their effectiveness in guidelines, processes, and onboarding. The position ensures adherence to standards through portfolio underwriting, ongoing monitoring, and consistent execution across North America.

The ideal candidate will have successful experience with managing risk program(s). This person must be capable of driving program objectives across the payment eco-system. The applicant should possess strong analytical skills, be able to translate metrics, research, and trends into strategy, while fostering positive internal and external relationships. The candidate must be a team player with excellent written and verbal communications skills.

Responsibilities

Monitor the effectiveness and quality of program operations, processes, practices, and identify opportunities for improvementProvide training and documentation to clients to strengthen their ability to prevent and mitigate program violationsContribute to the development and enhancement of Best Practices GuidesMaintain program documentation and records for review and audit purposesPrepare monthly management reports on program status, trends and billingPerform effectiveness review of Acquirer controls through underwriting and assessment of current practices that include, but not limited to: Self-Assessment Questionnaires, Acquirer Policies, Procedures and Merchant Files, external diligence information, payment fraud performance, etc.Perform periodic risk-based assessmentManage complex Acquirer control for merchant activitiesLead project teamsConduct on-site Acquirer audits, or coordinate audits through 3rd partiesSupport Visa’s Close Monitoring processPartnership with Merchant Sales and Acceptance (MSA) and Account Executives to share intelligence and risk action plansEnsure cross-functional participation and accountability that drives a consistent and timely remediation approachCollaboration with Visa Integrity Risk Program Management Office to perform periodic industry reviews of high-risk activitiesMonitor the effectiveness and quality of program operations, processes, practices, and identify opportunities for improvementPrepare monthly management reports on program status and trendsLead key control monitoring activities end-to-end

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.

Qualifications

Basic Qualifications

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

Preferred Qualifications

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 PhDValues teamwork, relationship-building, high degree of ethics and self-motivationHighly effective written and verbal communication skillsSelf-starter that is flexible and curiousStrong analytical and problem-solving skillsExperience in audit, underwriting, and data analysisFive or more years risk management experience in the financial services industry, experience managing acquiring or issuing related risks preferredVisa or Payments industry experience, with a concentration in Acquirer risk managementClient and stakeholder relationships, ability to create, manage and set expectationsStrategic thinker, a superior problem solver that focus on risk, trust and securitySound judgment to make complex decision that supports the company needsModerate Financial Analysis experience preferred (balance sheet, forecasting etc.)Superior knowledge of factors influencing CNP fraud and/or acquirer, issuer risk management practices and fraud mitigation tacticsAbility to produce and deliver high-quality reports and presentations to internal and external stakeholdersCreate and deliver high-quality reports and presentationsEnable people to move forward through complexityAbility to anticipate issues before they arise and work to proactively support resolutionProficient in all Microsoft Office products (Excel, PowerPoint, DB experience a plus)

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

U.S. APPLICANTS ONLY: The estimated salary range for a new hire into this position is 124,600 to 180,650 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity. Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401 (k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.

information will be kept confidential according to EEO guidelines.



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