Senior Director - Head of Risk Practice VCA NA

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.

Visa Consulting and Analytics (VCA) drives tangible, impactful and financial results for Visa’s network clients, including both financial services and merchants. Drawing on our expertise in strategy consulting, data analytics, brand management, marketing, operational and macroeconomics, Visa Consulting and Analytics solves the most strategic problems for our clients.

The US Consulting Practice within Visa Consulting & Analytics provides consulting and solution services for Visa’s largest issuers in the United States. We apply deep expertise in the payments industry to provide solutions to assist clients with their key business priorities, drive growth and improve profitability. The VC&A team provides a comprehensive range of consulting services to deliver solutions that address unique challenges in areas such as improving profitability, strategic growth, customer experience, digital payments and managing risk. 

The VCA team seeks a Senior Director to lead 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 disputes. Our team also partners closely with other parts of Visa to bring best-in-class guidance to clients on a variety of risk-related topics. 

Essential Functions

• Proactively engage Visa leaders in regular strategic & planning discussions cultivate and manage a pipeline of work related to Risk, such as authorizations, fraud, partial auth, underwriting, collections, enumeration defense, cyber security, and others.
• Lead consulting initiatives and contribute to closing engagement by identifying potential opportunities in Risk across all segments of VCA.
• Develop frameworks, approaches, solutions, and recommendations that effectively and efficiently address the most impactful opportunities and challenges from our clients, including issuers, acquirers, merchants, processors and fintechs.
• Build solutions and actionable insights that will help clients to grow their business, monetize their assets and achieve their core business goals.
• Partner with peers in other functional areas (e.g. risk, client services, risk products, data science, managed services, etc.) and across global regional teams to execute projects in ways that leverage the breadth and depth of Visa’s resources
• Act as an orchestrator bringing Visa Risk Products and Solutions to market.
• 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 product categories and segments
• Manipulate and analyze large data sets (industry and Visa) to determine meanings insights and recommendations for clients
• Train team members on portfolio management topics to develop the next generation of subject matter experts

This is a hybrid position. Expectation of days in office will be confirmed by your Hiring Manager.

Basic Qualifications

• 12 or more years of work experience with a Bachelor’s Degree or at least 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 or more years of experience with a Bachelor’s Degree or 12 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, or MD), PhD with 9+ years of experience
• 10-15 years of relevant experience managing card portfolios, payment schemes and large management consulting firm
• Experience working with financial and risk 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
• Deep knowledge and understanding of retail operations and payment schemes, including products & services, business systems and processes, marketing initiatives and user experience
• Excellent communication, storytelling and presentation skills
• Team player
• Technology mindset, curious, up to date with digital trends and applications

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 $160,000 to $281,250 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.