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.

Identity & Risk Products focuses on building and deploying innovative technologies to enable and secure Visa transactions around the globe. Our mission is to launch new, market-leading offerings that create tremendous value for our clients (e.g. Issuers, Acquirers, Merchants, Processors, and Emerging Payments Providers). To effect this transformation across the globe, we are looking for leaders who are passionate about innovating and delivering truly differentiated product offerings which help identify and mitigate financial fraud as well as maximize approvals of legitimate transactions.

Successful execution of this role will be achieved through a combination of leadership, payments and delivery knowledge, strong communication and product commercialization skills and applied strategy in financial fraud predictive analytic product offerings. This individual will work with experts throughout the company to identify, prioritize and develop new fraud detection and authentication products and optimize Visa’s existing fraud detection and authentication capabilities. Responsibilities include managing inflight scoring models, pattern detection capabilities, improving the performance of existing products and developing innovative fraud, authentication and authorization solutions. The position is also responsible for continuously creating and protecting analytic IP resulting from project learnings.

Individual will drive new product commercialization to target levels of adoption and utilization. In addition, this role will contribute to the overall strategic vision, planning and operation of Visa Identity and Risk Product solution portfolio.

This is a matrixed, cross functional role, so organizational savvy and interpersonal skills are critical. This role will interface across all regions and multiple markets and engage with specialized product groups, financial institution sales, merchant sales, client consulting, operations, technology, risk, analytics, marketing and corporate communications, legal, corporate strategy, interchange/pricing, finance to coordinate the build, launch and support of new and existing products. Visa is looking for an individual that pays attention to detail, with a proven track record of success in fast-paced environments with demanding timelines, an ability to correlate data and trends to business drivers, but who can also think big and contribute to strategic planning, drive change management and lead executive messaging.

This position could be located in either Foster City or San Francisco

This position may require occasional travel to client sites and Visa sites around the globe. 

Basic Qualifications

• 12 years of work experience with a Bachelor’s Degree; 10 years of work experience with an Advanced degree (e.g. Masters/MBA/JD/MD); or a minimum of 5 years of work experience with a PhD

Preferred Qualifications

• 15+ years of experience in product development and model development/analytics

• Proven experience and understanding of product development methodologies

• Experience in consumer payments with an emphasis on remote payments

• Proficient understanding of statistics and predictive models including neural networks, logistic regression, decision trees and other advanced machine learning techniques. This role requires a thorough understanding of the process and methodologies involved in model development.

• Demonstrated track record of developing product strategies based on business objectives and coordinating the successful implementation to deliver measurable business results

• Attention to detail and quality on both internal team work and external products brought to market

• Hands-on and consistently turn strategies into execution and results

• Flexible and creative thinker with the ability to define business tradeoffs, generate out-of-the-box solutions and manage uncertainty

• Strong interpersonal, leadership, and communication skills to influence and instill confidence with stakeholders at all levels and in all functions/geographies

• Ability to steer sales and marketing efforts on analytic products with sound statistical and financial analysis; execute ad-hoc analyses to meet the fast-changing market demands

• Analytical, organized, accurate, and detail-oriented with fact-based consultative discipline

• Team oriented, collaborative, diplomatic, and results driven, with proven success over a wide variety of functional business problems

• Excellent communication skills, strong executive presence and the ability to lead and inspire teams

• Experience with predictive model development, machine learning, TensorFlow, graph databases, SAS, Unix, Hadoop, R, Python and XML

• Excellent problem solving skills with a strong focus on serving clients

• Demonstrated thought leadership and the aptitude to think creatively and identify new ways to innovate and differentiate with evidence of tangible business results

• Passionate about what you do and fired up about the opportunity to transform payments working for the industry leader

• Strong sense of urgency and experience driving to successful commercialization

• Knowledge of Visa products and technology is a plus, but not required

Essential Functions

• Successful candidate will be responsible for leading the team responsible for day-to-day product management of Risk Product’s core risk models which includes product performance, global commercialization and client engagement

• Drive improvements of predictive models to increase deeper insights into products with advanced statistical analysis on both financial and non-financial data

• Regularly review client landscape and recommend, develop and implement new and creative approaches to expanding product capabilities

• Develop and manage Visa’s Models-on-Demand offering available to Issuers, merchants and non-financial institution partners

• Lead the design, development and management of innovative fraud and authentication solutions spanning developed and emerging products and markets

• Contribute to the product development process from ideation through market adoption

• Develop business cases for new analytic product development via sound market, statistical, and data analyses

• Identify, create and support new revenue sources through the development of new fraud risk products and solutions

• Assist with the development and execution of short-term, intermediate, and long-term strategic business development plans for Visa’s fraud risk and authentication products

• Establish and maintain strong communications with our development teams, predictive analytic teams, issuers, acquirers, merchants and other partners

• Capture, develop, and deliver ideas/processes that improve Visa’s patent portfolio

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.

Work Hours 

Incumbent must make themselves available for meetings with clients and Visa regional teams early morning and evenings occasionally as needed

Travel Requirements 

This position requires the incumbent to travel for work 10% of the time.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.