Director - Application Fraud & Identity Risk Management
- Full-time
- Job Family Group: Sales
Company Description
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.
Join Visa: A Network Working for Everyone.
Job Description
The VCA team seeks a Director to join our Risk Practice and play a role developing and delivering high-impact projects for Visa’s clients in North America. The Risk Practice advises Visa clients and ecosystem partners on core risk management areas for card portfolio management, including originations strategies, underwriting, fraud, authorizations, credit line management, and collections. The selected candidate will serve as an SME risk advisor to clients on issues across the consumer and small business credit & payments lifecycle, with a special emphasis on Identity Risk Management including Application Fraud, Synthetic Identity Fraud, and First-Party Fraud.
The Director will identify & develop new client opportunities, manage projects within the practice, and serve as a thought leader to promote sustainable and profitable growth, thereby ensuring that Visa is both the preferred brand and unique business partner.
Essential functions include:
Serve as an internal and client-facing SME on application fraud and identity risk management for consumer and small business card issuers in North America, as well as other ecosystem partners (e.g., acquirers, fintechs). Provide industry knowledge on trends, data sources, leading vendor solutions, tools, technologies for authentication purposes, best practices, and emerging threats related to application fraud.
Participate in the sales process to qualify opportunities and, using a consultative approach, guide clients to the correct engagement type to address their needs.
Collaborate cross-functionally with Visa’s internal risk team to prioritize initiatives, qualify opportunities, and develop project estimates based on customer need.
Lead consulting initiatives and contribute to closing engagements by identifying potential opportunities with clients.
Proactively engage with Visa teams in regular strategic & planning discussions. Cultivate and manage a pipeline of work across our core consulting segments.
Deploy frameworks, approaches, solutions and recommendations that effectively and efficiently address the most impactful opportunities and challenges.
Build solutions and actionable insights that will help clients to manage risk in their portfolios
Partner with peers in other functional areas (e.g., Visa Risk, Digital Practice, Strategy Practice) and across global regional teams to execute projects in ways that leverage the breadth and depth of Visa’s resources
Produce insights, analyses and recommendations to improve client performance, boost growth, drive understanding of client issues and provide strategic guidance for client priorities across the verticals and segments
Ability to effectively manipulate and analyze large data sets (industry and Visa) to determine meanings insights and recommendations for clients
Develop and deliver client-ready presentations in collaboration with junior and senior resources on the team
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.
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Qualifications
10 years of work experience with a Bachelors 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
Demonstrated expertise in application fraud and identity risk management. Successful candidates will have held progressively responsible roles in fraud for one or more Top 20 card issuers, or will have served in client-facing roles at leading providers of application fraud solutions.
Ability to converse with client leaders who own individual risk functions (e.g., fraud, collections) using empathy, industry-standard terminology, and knowledge of recent industry trends
Entrepreneurial attitude as demonstrated by a willingness to take on a mixture of high-profile and lower-level tasks in support of the strategic business objectives of the Risk Practice
Highly collaborative nature with experience working with geographically distributed teams
Comfortable leading client interview sessions and crafting compelling presentations
Preferred Qualifications
Highly-qualified candidates will have demonstrated expertise in multiple domains of consumer and small business risk management (e.g., underwriting, line assignment, collections).
Consulting experience (as demonstrated by 3-5 years of client-facing experience in an advisory firm) is preferable, but not required
12-15 years of industry-specific work experience with a Bachelors Degree or 8-10 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 6+ years of work experience with a PhD
Experience working with financial indicators to measure business performance. Significant focus on impacting ROI
Strong analytical skills, with demonstrated intellectual and analytical rigor
Self-motivated, results oriented individual with the ability to handle numerous projects concurrently
Knowledge and understanding of risk management, with an emphasis on fraud
Excellent communication, story-telling and presentation skills for executive audiences
Team-minded
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.
This position does not offer immigration/sponsorship assistance.
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 155,400.00 to 202,000.00 USD, 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.
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