Senior Manager, Risk Management, Pakistan

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

Visa's CEMEA Risk organization is seeking a Senior Manager to join its team to manage Digital Payment risks across Pakistan and Levant.

As the face of Risk, the senior manager's external obligation is to ensure Visa's interactions with clients, partners, merchants, and other third parties on risk related matters are well informed, effective, and collectively moving the Visa ecosystem towards a stronger state. Internally, the RM Manager's obligation is to leverage our market knowledge and presence to ensure Visa's risk related policies, programs and frameworks are aligned with current and future business demands.

Reporting directly to the Senior Director, Risk, North Africa, Levant & Pakistan (NALP), this individual contributor role requires frequent collaboration with internal stakeholders across PKL, NALP and CEMEA regions.

• Market Knowledge - Ensure deep awareness of the market(s) pulse, payment system and other risks to clients operating in each market, and the past and present tactics being deployed to mitigate these risks.
• Business Alignment - Align Visa's risk-related objectives and activities with Visa's business goals in the same area in order to maximize long term growth.
• Relationship Management - Engage key stakeholders (clients, partners, law enforcement, government and others) to secure support for Visa's goals and address identified risks.
• Thought Leadership - Differentiate Visa through out of box thinking and demonstrating thought leadership to payment system stakeholders on risk issues, pulling from local, regional, and global sources.
• Communication - Ensure strong communication and provide marketplace feedback around Visa's risk related programs and policies, and other activities

Key Responsibilities

• Develop and execute client engagement plans and materials to help clients optimize fraud performance, mitigate fraud and data compromise events, promote stronger authentication and data security, and help enforce Visa's external risk programs and policies.
• Align Visa's risk related objectives and activities with Visa's business goals in the same area to maximize long-term growth.
• Promote Visa Risk Products, Capabilities and Solutions within the assigned client's portfolio to differentiate Visa in the Payments Ecosystem
• Drive customized risk engagements and provide focus to key clients, fintechs, merchants, and emerging payment stakeholders.
• Deliver client engagement plans and materials to help clients optimize fraud performance, determine the type and frequency of engagements.
• Provide Risk analytics support for the markets supported for existing clients & other stakeholder engagements.
• As a risk expert, the role will collaborate with Central Europe, Middle East and Africa (CEMEA) Risk team members, client account executives, Merchant Sales and Acceptance (MS&A), Visa Rules, Visa Consulting and Analytics (VCA), Data scientists, Product leaders and Visa Ethics & Compliance to deliver innovative risk strategies, fraud reduction opportunities and payment system intelligence.
• Lead ad-hoc projects in support of overall risk and corporate initiatives.
• Participate in market forums (e.g. clients, law enforcement, regulators, industry participants), and drive consumer awareness campaigns of payment system stakeholders to drive greater awareness and support for Visa's payment system risk strategy.
• Be the point of reference in all risk related engagement with regulatory and industry bodies.

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

Qualifications

Basic Qualifications

• Experience in managing fraud risk, transaction monitoring operations and suspicious transaction review.
• Experience with the credit risk landscape across the credit lifecycle.
• Good understanding of and experience with acquiring risk with hands on application experience improving the acquiring risk posture of an entity.
• Good understanding of illegitimate transaction flow typologies, root causes, and key signs.
• Managed third party risk assessment, responsibility for evaluating risk controls, and reviewer of risk control reporting in the organization.
• Self-starter with excellent communication skills, both oral and written.
• Ability to drive results with multiple stakeholders and cultivate strong and trusted relationships with internal stakeholders, clients, partners, and regulators.

Preferred Qualifications

• Bachelor's degree (post-graduate qualifications preferred) with 7+ years of progressive experience working in the payment services or financial industry.
• Strong understanding of Digital Payment risks and current and emerging payment system risk trends across Middle East & Africa.
• Experience in managing fraud risk, transaction monitoring operations and credit operations.
• Ability to influence at mid to senior levels both internally and externally.
• Excellent written, oral and presentation skills and an ability to synthesize complex and technical information into clear recommendations on course of action.
• Detail orientation and strong analytical skills, willingness to think outside the box to offer new ways to approach old problems.
• Ability to identify and pursue multiple initiatives simultaneously and deliver superior results.
• Experience determining when to escalate to management and identify the right stakeholders for decision making.
• Excellent collaboration and communications skills with experience in influencing, communicating and driving change through cross functional groups, including the ability to build consensus across disparate views.
• Positive, proactive, solution-oriented problem solver who gets things done within a matrix organization.
• Experience in preparing, reviewing, and delivering (concise) management level communications.
• Strong data analysis and problem-solving skills with demonstrated intellectual & analytical ability to summarize raw data to tell a simple story supported by data to management and partners.
• Self driven professional with a vision and passion to continuously raise the benchmark for self and the broader team.
• Strong attention to detail and achieving results, with an emphasis on being naturally curious and committed.

Additional Information

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.