Franchise Risk Manager (Open to other locations)

  • Dubai - United Arab Emirates
  • 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.

The global Product Organization delivers the holistic product strategy for Visa and accelerates the seamless delivery of our products into markets. We are at the core of Visa’s overall vision to be the best way to pay and be paid for everyone, everywhere. We are fueled by a diverse team of talented team-members who continuously raise the bar on delivering best-in-class products and services to people all over the world.

Our business in Sub-Saharan Africa includes more than 45 markets of the most exciting economies in Africa, and include our offices in Johannesburg, Nairobi, Lagos, Abidjan, Accra and Kigali. As part of the Product team in SSA, you will assist in designing and implementing the go-to-market strategy for product sales and deployment at Visa. Your role may include aspects of consultative client engagement, product strategy, execution, and analytics to craft solutions to meet customer needs. You will also be working with a team that supports technical conversations and deployment with external partners, including advising on how they can work with Visa to build custom solutions that utilize their strengths to enhance Visa’s solution bundles.

Job Description

The incumbent will manage execution and oversight of Visa’s risk policies in the areas of Franchise Risk and Brand Protection – across Issuers and Acquirers of the Central Europe Middle East and Africa (CEMEA) region. These risk programs have the objectives of maintaining a safe, secure and resilient payment ecosystem to sustain a high degree of integrity and trust with Visanet, Visa products and the Visa ecosystem.  

The Franchise risk programs help identify Issuers and Acquirers exceeding risk performance thresholds and any violations of Visa rules related to issuing and acceptance risk, requiring intervention from Visa,  through timely notification of the violation, implementing appropriate remediationand enforce applicable financial pepenalties or other corporate risk reduction measures for recalcitrant violations.

The Brand Protection program ensures the integrity of the payments ecosystem in compliance with Visa’s rules and applicable laws. Regulators, Law Enforcement, and IP rights owners look to Visa to have robust oversight policies and programs to ensure illegal transactions are not facilitated in the payment ecosystem, and also look to Visa in ensuring consumers are not victimized by unethical business practices and scams. Violations will need to be disemminated to concerned acquirers in a timely manner, and remediation should be completed within the stipulated timeframe. Financial penalties may have to be enforced for recalcitrant cases.

This role includes frequent interactions with internal stakeholders including Country Management, Risk Managers (RMs), Merchant Solutions & Acceptance, and Global Risk counterparts. The role will provide opportunities to proactively and reactively engage with clients and other external stakeholders. The role is part of the CEMEA Risk Strategy & Operations team, with a direct reporting to the Head of Risk Strategy and Operations.


  • Own and develop subject matter expertise across the applicable risk programs and policies.
  • Remain abreast with global and regional trends in respective areas and be the point person for all regional stakeholders to provide constructive decisions support, while upholding the objectives of the risk programs.
  • Generate monthly fraud & chargeback reports from VRPT risk system at the start of each month
  • Disseminate the fraud and chargeback monthly identifications to RMs as heads-up and distribute notifications to clients by 5th of the month
  • Generate and disseminate the weekly GBPP violations reports from the BPIM system at the beginning of each week
  • Support RMs on individual cases and/or with clients queries, including best practice recommendations
  • Follow up on remediation and NCA enforcement , i.e. ensure that client submits remediation plan or waiver request in time. To challenge and support RM requests for waivers, preserving the integrity of the programs.
  • Prepare for monthly Non Compliance Assessments (NCAs) recommendation meeting with internal stakeholders. Ensure that recommendations and final decisions are documented accurately and are as per the delegation matrix (RACI)
  • Maintain overall process compliance through necessary document trails and data related to the risk programs, minimizing operational errors and ensuring clean internal audit ratings with no significant gaps
  • Assist and facilitate Global Risk counterparts with the High-Brand Risk registrations, and enforcement with non-compliance
  • Assist CEMEA Risk team to complete the Risk Assessment or Questionnaire for new client applications
  • Review and recommend proposed global changes to policies and programs, incorporating requirements of the region and recommending appropriate decisions.


  • Typically, 5+ years of relevant risk management or operations experience in a high volume process management environment having clearly laid out policies, controls, delegation matrix and service level agreements (SLAs).
  • Results oriented, professionally assertive where required with good problem solving skills.
  • Excellent interpersonal, communication, presentation and organizational skills. Should have good working knowledge and experience of Excel and Powerpoint, especially in terms of handling large volume of data on Excel.
  • Excellent project management skills and ability to manage multiple stakeholders.
  • Minimum Bachelor’s degree.
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