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Senior Director, Credit & Fraud Risk
Visa Inc.
Miami, FL, United States
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Company Description
Visa Inc. is a global payments technology company that connects consumers, businesses, financial institutions and governments in more than 200 countries and territories, enabling them to use digital currency instead of cash and checks.
Visa Performance Solutions (VPS), the consulting and solutions arm of Visa, is a global team of industry experts in strategy, marketing, operations, risk and economics consulting, with decades of experience in the payments industry. Our VPS teams offers:
• Consulting services customized to the needs of Visa clients' business objectives and strategy
• Business and economic insights and perspectives that impact business and investment decisions
• Self-service digital solutions Visa clients can leverage to improve performance in product, marketing and operations
• Proven data-driven marketing strategies to increase clients’ ROI
Job Description
VPS is looking for an individual to join our consulting practice in order to lead its Risk SME specialized team, becoming a catalyst for the design, development and implementation of Credit and Fraud Risk solutions across the Latin America & Caribbean Region (LAC). The candidate will be responsible for designing and deploying a pan-regional Risk strategy, as well as consolidating existing / creating new risk-specific services that will support VPS clients in improving their efficiency through the minimization of credit and fraud losses. In addition, the candidate will become the regional SME for Credit and Fraud Risk, implying involvement in all risk-related client projects as well as thought leadership in specialized industry events, workshops and publications.
Specific responsibilities will include:
• Design and roll-out regional credit and fraud risk strategy to support Visa clients in optimizing credit and fraud risk levels whilst aligning global/local Visa priorities and market-specific needs
• Co-lead all VPS risk-related client engagements together with regional consulting heads
• Reengineer, up-level and/or package risk consulting methodologies and solutions as appropriate, ensuring world-class best practices and efficiency through economies of scale
• Ensure consistency, standards and quality control of risk and fraud consulting methodologies across the Region
• Partner with other functional areas (e.g., Risk, Products, Cybersource) to capitalize on existing risk products/solutions and co-design new ones in ways that leverage the breadth and depth of Visa’s resources
• Create and manage Risk consulting/products P&L, being accountable for existing and new sources of revenue
• Demonstrate robust subject matter expertise and thought leadership through hosting and participating in specialized industry events and publishing relevant articles and white papers
• Assemble, nurture and manage team of credit and fraud risk SMEs
• Establish IP risk repository for VPS based on risk project results
• Export leading methodologies and best practices to other VPS regional teams and become a true global risk reference for VPS peers across the globe. Import successful methodologies from other international markets.
Incumbents applying for the role should be self-motivated, highly energized, enthusiastic and detail-oriented individuals who will deliver strategic thought leadership, creative problem-solving and high-impact solutions to support the growth and efficiency of VPS clients, especially as it relates to the optimization of their credit and risk fraud levels. Candidates must be able to develop and nurture enduring, strategic relationships with external clients and across the Visa organization.
Qualifications
• Bachelor's degree, ideally in quantitative field (e.g. engineering, mathematics, science) and/or business administration. MBA preferred
• 12+ years of relevant credit and fraud risk experience in the financial services industry. Experience in digital banking, digital commerce and/or consulting will be considered a plus
• Relevant experience shall include:
1. Deep understanding of the consumer credit/fraud risk landscape in LAC
2. Understanding of risk regulation, compliance and organizational implications (e.g. Basel, stress testing, etc.)
3. Exposure to analytical risk models (e.g. credit scores)
4. Domain of credit risk life cycle practices, including customer acquisition, underwriting, line management, collections, risk-adjusted profitability, etc.
5. Implications of digital transformation as it pertains to credit and fraud risk management
6. Fundamentals of risk management for micro, small and medium businesses (MSMBs)
7. Fraud Management (prevention, detection, response)
• Strong financial acumen and understanding of profitability drivers of financial institutions
• Outstanding problem-solving skills, with demonstrated ability to think creatively and strategically
• Self-motivated, results oriented individual with the ability to handle numerous projects concurrently
• Impeccable team player, able to gracefully work with and influence people at all level
• Excellent communication, story-telling and presentation skills
• Technology-driven mindset, digitally curious, up-to-date with digital and technology literature, trends, etc.
• Basic knowledge of human-centered design and design thinking methodologies will be considered a plus
• Fluent in English, Spanish and Portuguese
Additional Information
All your information will be kept confidential according to EEO guidelines.