Vice President, Risk Solutions Product Development

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.

The Value-Added Services Product Development (VAS PD) team drives the diversification of our revenue with products that differentiate our network and deliver valuable solutions across other rails.  The team’s strategy is to increase total merchant value by developing solutions that address complex and emerging merchant and acquirer needs.

The Vice President of Risk Solutions Product Development will lead the teams that build innovative, AI-driven risk and fraud management solutions for issuers and merchants. This role will be responsible for driving the strategy, planning, and execution of technology-related initiatives that support our business goals, with a focus on products including Visa Risk Manager (VRM), Decision Manager (DM), Visa Protect A2A, etc.

• Develop, implement, and oversee strategic plans for the Risk Solutions technology team, ensuring alignment with the overall business objectives.

• Oversee the design, development, and deployment of cutting-edge payment risk and fraud management systems, ensuring they are secure, efficient, and scalable.

• Continually assess the effectiveness of the existing systems and processes, making improvements or changes where necessary.

• Collaborate with the Product teams to identify opportunities for new products and enhancements of existing products to meet our customers’ requirements and provide Visa with a competitive edge.

• Lead and manage a high-performing technology team, fostering a culture of innovation and excellence. This includes hiring, training, mentoring, and performance management.

• Stay abreast of the latest technologies, trends, and best practices in payment authentication and identity management, integrating them into the company's strategies and operations where beneficial.

• Understand the cost of delivery and effectively estimate project costs for large, complex cross-functional projects.

• Drive development of projects and lead teams across multiple geographical locations.

• Provide leadership to teams across risk domains, establish high standards and best engineering practices.

• Drive adoption and innovation of emerging technologies and industry trends.

• Demonstrate thought leadership through presentations and teaching across Visa. Represent Visa as a technical advisor or spokesperson on external activities, particularly client engagement.

• Champion a culture of innovation, in an environment that requires high levels of scalability, security and reliability.  Understanding and use of GenAI technologies is a must.

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.

Basic Qualifications:

• 12 or more years of work experience with a Bachelor’s Degree or at least 10 years of experience with an Advanced degree (e.g. Masters/ MBA/JD/MD) or at least 8 years of work experience with a PhD

Preferred Qualifications:

• 20 or more years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD, PhD).
• Recent coding experience: the candidate must be “hands-on” with the ability to review code and engage with technical details directly.
• Experience with building AI-powered decisioning solutions.
• Experience with developing Risk products is a plus.
• Experience leading large, global technology teams as well as a broad software engineering and Generative AI leadership background
• Experience working in Agile framework and comfortable working in a matrixed organization.
• Strong commercial acumen to forecast business trends and translate into agile technology solutions.
• Proven track record of delivering scalable, secure and high quality mobile and web applications preferably in the payments, fintech or loyalty domains.
• Expertise in building scalable cloud-based services.
• Contributions across a broad technical range, including Systems Architecture, product development and R&D experience leading to successful, large scale product implementations.
• Experience in M&A (evaluation, integration, etc.)
• Proven track record of delivering innovative solutions and strategies that have significantly improved revenue generating products and their profitability.
• Strong knowledge of emerging technology trends, industry standards, and best practices in Software Engineering and in the field of risk and fraud management.
• Experience in managing and optimizing geographically dispersed cross-functional teams to ensure seamless project execution and delivery. 

Leadership Expertise

• Highly Ethical. Can be trusted to do only the “right thing” for Visa, employees, clients and shareholders.
• Values and Leadership. Demonstrates alignment to Visa’s Values (Integrity, Customers, People, Collaboration, Innovation and Excellence) and leadership principles (Lead courageously, obsess about customers, collaborate as One Visa and execute with excellence).
• Strong Intellect. Bright individual, with ability to combine analytical reasoning, creativity and judgment. Quick study, able to handle complex matters, with multiple initiatives going on simultaneously. Able to deal effectively with strategic issues, as well as tactical operational details.
• Results Oriented. Energetic, resourceful, with strong service orientation and positive can-do attitude. Never satisfied with status-quo, continually striving for excellence. Player coach, hands-on working style.
• Change Agent. Comfortable designing for the future while managing day-to-day matters. Able to anticipate risks and propose practical plans to mitigate them. The candidate must be hands-on with code and capable of making and influencing technical decisions at all stages of the Software Development Life Cycle (SDLC).
• Low Ego. Puts needs of the business ahead of themselves. Operates with radical transparency. Works with empathy, understanding, sense of humor and is a great active listener.
• Self-starter. Able to challenge the status-quo sensitively and constructively. Intellectually agile, self-confident, highly articulate and demonstrates conviction and courage.
• Relationship Building / Influencing: Demonstrate collaboration/partnering skills with team, stakeholders, customers. Build strong relationships with trust and mutual respect as the foundation. Leverage strong judgment skills to make decisions. Instinctively know when and how to introduce change, in such a way that it is broadly accepted and institutionalized.

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 222,600 to 386,300 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.