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.
Job Description and Responsibilities
ABOUT MANAGED RISK
The mission of the Managed Risk Services (MRS) organization is to be the unrivaled advisor for global payment fraud management, and our vision is to be the most valuable partner in lasting client relationships.
We strive to maintain unrivaled relationships with the merchants, partners, and financial institutions (FIs) that we interact with on a daily basis.
MRS is a necessary extension of our clients’ teams that allows them to reach their full potential. In risk management, our people are the differentiator.
We are passionate about the continued success of our customers and take pride in their accomplishments as a team. We have a collaborative and supportive culture that keeps everyone motivated.
SR. RISK MANAGEMENT ANALYST
The Sr. Risk Management Analyst will help Visa and Cybersource clients manage the risk of taking payments (predominantly credit and debit card) online.
This will include analyzing order data to identify emerging fraud trends, developing strategies to mitigate these trends, and working closely with Cybersource clients to implement these strategies using a combination of Visa, Cybersource, and industry tools.
Work with 12-15 different ecommerce merchants to help them manage Cybersource risk management products to prevent online card fraud.
Develop in-depth knowledge of Visa and Cybersource risk management solutions through research and testing in order to act as subject matter expert to clients.
Take a proactive approach to staying up-to-date with product developments by monitoring code release notes and knowledge sharing within the team.
Analyze transaction data with a view to optimizing risk management strategies for clients.
Produce regular, detailed reports that clearly explain to clients the performance of current risk management strategies, and if appropriate, how these can be improved.
Maintain a detailed knowledge of industry best practices and emerging trends and technologies within payment risk management.
Deliver occasional training sessions to clients on the use of Cybersource risk products. This may be done over the phone or involve giving presentations, product demonstrations, or whiteboard sessions.
Independent decision making required on daily basis.
Required to interpret and analyze complex transaction data and identify patterns and trends, and make independent decisions on fraud screening configuration for merchants based on this work.
Must be keenly aware of the responsibility involved in such a position, given that their recommendations for fraud screening configuration changes will affect which transactions are accepted or rejected by the ecommerce merchant.
Occasional to frequent travel required for onsite training, assistance with implementations or periodic business review presentations.
Basic Qualifications and Competencies
Education and Experience
4 years of work experience with a Bachelor’s Degree or at least 2 years of work experience with an Advanced degree (e.
g. Masters, MBA, JD, MD).
Communication and Presentation Skills
Communicates in a clear, concise, and relevant manner. Demonstrates agility in style as appropriate.
Delivers high quality, engaging verbal and written communications that are results-oriented with relevant content.
Customizes approach based on audience and direction of discussion.
Communicates consistently with internal partners. Is aware of body language, timing, and pace.
Understands how to provide detail at an executive level.
Establishes credibility with professionals at all levels. Provides clients with industry best practices and challenge their status quo.
Serves as trusted advisor and subject matter expert for CYBS clients. Goals are regularly discussed and pursued, demonstrating an understanding in clients’ evolving business strategies.
Anticipates fluctuations in business relationships and collaborates internally.
Continually builds rapport to enhance the client experience and promote retention.
Possesses the ability to identify anomalies in clients’ business trends and communicate with appropriate urgency.
Drives results with clients regarding revenue capture, increasing client acceptance.
Uses data to balance client goals, optimize strategies, and increase client acceptance.
Effectively analyzes payment and fraud data to identify anomalies and make meaningful recommendations to enhance performance.
Uses a proactive approach to optimize clients’ strategies by leveraging both positive and negative data.
Has experience working with multiple reporting tools (e.g. Microsoft Excel and other Office suite products, Salesforce / Tableau, Microsoft Power BI, etc.).
Leads various analysis initiatives. Contributes to the continual enhancement of analytical tools.
Possesses a working knowledge of the evolving landscape of card-not-present payments and fraud.
Holds proactive discussions regarding new fraud trends in parallel with optimizing strategy to mitigate fraud and maximize acceptance.
Drives initiatives and confidently consults across numerous products.
Successfully addresses issues that put clients at risk.
Incorporates a collaborative and structured approach to critical issues, utilizing diplomacy and professionalism in all interactions.
7-10 years of work experience and a Bachelor’s Degree or 6 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 years of experience with a PhD.
Experience with the Cybersource Decision Manager platform or another fraud solution.
Language skills : Spanish and English (Portuguese is a plus).
The Sr. Risk Management Analyst must make themselves available during core business hours. Visa is supportive of flexible work arrangements.
We view flexibility as a two-way street. We provide flexible work options to support employees in achieving personal and professional goals, and we expect employees to be flexible in order to ensure we are always meeting the needs of the business.
This position requires the Sr. Risk Management Analyst to travel for work up to 25% of the time. For international travel, a valid Passport is required.
This position will be performed in an office setting. The position will require the Sr. Risk Management Analyst 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.
Reporting Relationships and Interactions
This role reports to the LAC Managed Risk Services Regional Manager.
This individual will be expected to interact effectively with direct line management and others at a similar level.
Financial and Organizational Scope
Individual contributor executing Cybersource’s business strategy in region (LAC), ensuring that ecommerce merchants can transact confidently using Cybersource services, working within a global Managed Risk Services team, all working as individual contributors supporting ecommerce clients in their respective regions.
No responsibility for a budget or cost center.
Equal Opportunity Employer
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.