Senior Consultant, Risk Operations

Company Description

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.

Job Description

Company Description

Common Purpose, Uncommon Opportunity. Everyone at Visa works with one goal in mind – making sure that Visa is the best way to pay and be paid, for everyone everywhere. This is our global vision and the common purpose that unites the entire Visa team. As a global payments technology company, tech is at the heart of what we do: Our VisaNet network processes over 13,000 transactions per second for people and businesses around the world, enabling them to use digital currency instead of cash and checks. We are also global advocates for financial inclusion, working with partners around the world to help those who lack access to financial services join the global economy. Visa’s sponsorships, including the Olympics and FIFA™ World Cup, celebrate teamwork, diversity, and excellence throughout the world. If you have a passion to make a difference in the lives of people around the world, Visa offers an uncommon opportunity to build a strong, thriving career. Visa is fueled by our team of talented employees who continuously raise the bar on delivering the convenience and security of digital currency to people all over the world. Join our team and find out how Visa is everywhere you want to be.

Position Summary – Make a Difference. Join Visa’s newly formed, cutting edge Risk Operations Center (ROC). The ROC is a critical priority of executive leadership and focuses on the fast identification and mitigation of high impact fraud attempts in the global payment ecosystem. This team will operate 24/7 working 12-hour shifts, and this role provides support to escalations from the team with a primary Monday through Friday work week.

The Senior Manager Risk Operations is a high visibility and demanding role, responsible for the operational implementation for the detection and disruption of fraud events identified by the Risk Operations Center- a key component of Global Risk's Payment Fraud Disruption organization. This position is responsible for defining incident response processes and mitigation to any payments-based attack affecting Visa’s clients or brand. Payment Fraud Disruption is a fast-paced team of technology experts who identify, investigate, disrupt, and prevent attacks targeting the global payment ecosystem. The Senior Manager will be responsible for all aspects of monitoring, alert development, incident review, escalation, and documentation of alerts. This position reports to the Senior Director of the Risk Operations Center.

Primary responsibilities

• Excellent written, oral and presentation skills and an ability to synthesize information and make clear, concise recommendations on course of action
• Perform analytics of complex data models to evaluate legitimacy of transactional logs
• Detail oriented problem solver - monitor and respond to a wide variety of proprietary Visa solutions used to identify potential fraud and risk based activity that may be impactful to Visa and its clients
• Ensure incidents are escalated to the proper support teams for validation and mitigation based on the identification of possible threats
• Determine opportunities for incident handling improvements and increase operational efficacy
• Provide critical platform development oversight for the tools and capabilities used to automate incident response
• Coordinate incident handling with regional Risk groups and take decisive action on events, alerts etc.
• Assess impact accurately of a critical/major incident and author communication for distribution to appropriate recipients within set periods with guidance
• Serve as a Global Risk Subject Matter Expert on various Visa fraud alerting platforms
• Develop key metrics that drive innovation and development for the Risk Operations Center. In addition, the position will be responsible for ensuring goals related to these metrics are met.
• Create detailed reports on internal incident response measures of success
• Collaborate with the Visa teams and clients during fraud events to provide real time status and data driven decision making
• Self-driven individual who can multitask and complete varying risk projects
• Proactively identify risk opportunities that increase the brand awareness of Visa to its clients and stakeholders

Secondary Responsibilities

• Collaborate with Payment Systems Intelligence to recognize and implement measures to identify and disrupt new fraud and cybercrime threats to the payments ecosystem and communicate them to relevant stakeholders
• Provide and oversee technical analysis support to the Global Risk organization to protect the payment ecosystem
• Identify and recommend process improvements, system enhancements, and procedural changes to increase operational efficiencies and data quality

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.

Qualifications

Basic Qualifications
8 or more years of relevant work experience with a Bachelor Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD

Preferred Qualifications
9 or more years of relevant work experience with a Bachelor Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD

Required
• 10+ years of experience in payment card or cybersecurity industry, financial technology, cybercrime fraud and/or ethical hacking
• Flexibility to support 24/7 escalations, during weekends (including holidays), and extended hours as needed
• Proven experience collaborating in a team within a 24x7 Operations Center
• Passion for fraud schemes and cybercrime investigations
• Knowledge of transactions, systems processing transactions, and overall transaction process
• Understanding of payment networks, risk management, defense in depth strategies, and automated incident response
• Prior experience with data analytics, visualization tools and concepts
• Understanding of payments process, cybercrime, and fraud techniques
• Design and interpret reports with meaningful trends and fraud stats to business stakeholders
• Strong understanding of common technology integration points (e.g. REST API)
• Familiarity with technologies used to search, analyze, and visualize anomalies and trends within large datasets
• Strong understanding of Common Vulnerabilities and Exposures, and their associated exploitation methodologies
Preferred:
• Direct experience with VisaNet, ISO 8583, transaction routing, VCMS, Base I and Base II platforms
• Familiarity with intelligence databases and analytical tools or similar intelligence reporting systems
• Analysis of cyber threat intelligence and fraud intelligence
• Bachelor’s degree or commensurate experience required, graduate degree preferred
• CISSP, CHFI, CEH, GIAC certifications

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.

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 132,900.00 to 192,750.00 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.