Senior Director - Merchant Risk

  • Company: Visa
  • Posted: April 15, 2017
  • Reference ID: 108932124
Company Description
About Visa:

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. CyberSource, a Visa company, has been and continues to be a pioneer within the e-Commerce Payment Management world. Our VisaNet network is capable of handling over 65,000 transaction messages 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.

"Visa will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of Article 49 of the San Francisco Police Code."

Job Description

  • Serve on Merchant Risk team responsible for managing execution of Merchant Risk programs in North America, including monitoring PCI DSS compliance, EMV and P2PE implementation of 2,000+ large merchants in accordance with Account Information Security Program and related policies
  • Establishing global policies for management of Merchant Risk programs around the world.
  • Driving Visa strategy on management of PCI-DSS, PA-DSS, PIN Security, and Card Vendor compliance programs and promoting Visa's data security best practices
  • Coordinating with internal and external stakeholders to drive Visa's security and risk initiatives and deliver a comprehensive plan to secure cardholder data and drive down risk within the payment system
  • Managing relationships with key Visa stakeholders, including clients (acquirers and processors), merchants, agents and payment software providers and other payment industry representatives
  • Providing subject matter expertise in the areas of risk management and data security requirements/best practices as well as data compromise event mitigation
  • Participating in and facilitating internal and external working groups to ensure proper participation in Visa data security initiatives
  • Identifying and analyzing emerging data security risks and trends and providing recommendations for policy and procedure changes as necessary to mitigate related threats
  • Developing communication and educational materials, best practices, policies and procedures as necessary to support global clients in mitigating associated risks
  • Execute necessary Visa Operating Regulation, policy and procedural enhancements to respond to changing client and market environmental risk and fraud conditions
  • Coordinate regular feedback from key internal stakeholders, particularly from Country Risk Managers, to identify common issues across markets and new opportunities to support clients and differentiate Visa from competitors
  • Report on data security/risk management related legislation and regulation that may impact VI or its clients in coordination with Visa Government Relations team
  • Prepare reports, briefings and other written products for the Chief Enterprise Risk Officer and Risk Leadership Team on GPSR issues affecting clients, third parties and the overall payment system
  • Provide regular reporting to key internal groups, including Sales, Product, Corporate Communications, Government Relations and Legal on Visa data security programs
  • Representing Visa on external data security and standards groups, as necessary
  • Explore and implement innovative approaches to monitor data security of Visa clients, including use of external performance and risk indicators
  • Lead regular meetings/conference calls with geographic Payment System Risk (PSR) teams to ensure that Visa is taking a globally consistent, practical and effective approach in the execution of risk and data security programs across all markets
  • Liaise with business leaders in Enterprise Risk, Legal, Client Sales, Product and Technology to execute PSR and other related risk programs


  • Strong leadership, communication skills and experience a must
  • Direct experience in executing data security programs or security consulting, preferably related to compliance
  • Undergraduate degree required
  • 8+ years experience in information security, risk management, data security compliance, payments and/or acquirer/issuer fraud reduction programs
  • Excellent interpersonal, management and negotiation skills
  • Excellent written and verbal communications skills are also required
  • Detail-oriented and with a working knowledge of statistics and Excel/Access applications
  • Capable of leading meetings, delivering presentations and comfortably interacting with all levels of Visa management
  • High level of self-motivation and initiative and operate effectively as a team player. Excellent time management skills are required
Preferred Qualifications:
  • Experience working with a major payment card acquirer, issuer and/or financial regulatory agency a plus
  • Knowledge in payment terminal security and key management principles, including PCI PIN or TR-39 highly desired
  • CISSP or other recognized information security certification or accreditation a plus
  • Undergraduate degree required, graduate degree in business, economics or public policy preferred Master in Information Systems, MBA or other related masters degree
  • Proven track record of successfully managing global operational programs within the payment industry and/or regulatory environment
  • Ability to keep pace with demands of business by anticipating problems, proffering appropriate solutions and providing the leadership to effectively implement change
  • Demonstrated thought leadership and the aptitude to think creatively and to identify new ways to approach common problems
  • The ability to pursue multiple initiatives simultaneously and deliver superior results

Additional Information
All your information will be kept confidential according to EEO guidelines.

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