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Visa // credit cards
Product, Full Time       Posted: Friday, September 06, 2019
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  Company Description

As the world's leader in digital payments technology, Visa's mission is to connect the world through the most creative, reliable & secure payment network - enabling individuals, businesses, & economies to thrive. Our advanced global processing network, VisaNet, provides secure & reliable payments around the world, & is capable of handling more than 65,000 transaction messages a second. The company's dedication to innovation drives the rapid growth of connected commerce on any device, & fuels the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network & scale to reshape the future of commerce.

At Visa, your individuality fits right in. Working here gives you an opportunity to impact the world, invest in your career growth, & be part of an inclusive & diverse workplace. We are a global team of disruptors, trailblazers, innovators & risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, & doing meaningful work that brings financial literacy & digital commerce to millions of unbanked & underserved consumers.

You'rean Individual.We'rethe team for you.Together, let's transform the way the world pays.

Job Description

Identity & Risk Products focuses on building & deploying innovative technologies to enable & secure Visa transactions around the globe. Our mission is to launch new, market-leading offerings that create tremendous value for our clients (e.g. Issuers, Acquirers, Merchants, Processors, & Emerging Payments Providers). To effect this transformation across the globe, we are looking for leaders who are passionate about innovating & delivering truly differentiated product offerings which help identify & mitigate financial fraud as well as maximize approvals of legitimate transactions.

Successful execution of this role will be achieved through a combination of leadership, payments & delivery knowledge, strong communication & product commercialization skills & applied strategy in financial fraud predictive analytic product offerings. This individual will work with experts throughout the company to identify, prioritize & develop new fraud detection & authentication products & optimize Visa's existing fraud detection & authentication capabilities. Responsibilities include managing inflight scoring models, pattern detection capabilities, improving the performance of existing products & developing innovative fraud, authentication & authorization solutions. The position is also responsible for continuously creating & protecting analytic IP resulting from project learnings.

Individual will drive new product commercialization to target levels of adoption & utilization. In addition, this role will contribute to the overall strategic vision, planning & operation of Visa Identity & Risk Product solution portfolio.

This is a matrixed, cross functional role, so organizational savvy & interpersonal skills are critical. This role will interface across all regions & multiple markets & engage with specialized product groups, financial institution sales, merchant sales, client consulting, operations, technology, risk, analytics, marketing & corporate communications, legal, corporate strategy, interchange/pricing, finance to coordinate the build, launch & support of new & existing products. Visa is looking for an individual that pays attention to detail, with a proven track record of success in fast-paced environments with demanding timelines, an ability to correlate data & trends to business drivers, but who can also think big & contribute to strategic planning, drive change management & lead executive messaging.

This position could be located in either Foster City or San Francisco

This position may require occasional travel to client sites & Visa sites around the globe.


Basic Qualifications

  • 12 years of work experience with a Bachelor's Degree; 10 years of work experience with an Advanced degree (e.g. Masters/MBA/JD/MD); or a minimum of 5 years of work experience with a PhD

Preferred Qualifications

  • 15+ years of experience in product development & model development/analytics

  • Proven experience & understanding of product development methodologies

  • Experience in consumer payments with an emphasis on remote payments

  • Proficient understanding of statistics & predictive models including neural networks, logistic regression, decision trees & other advanced machine learning techniques. This role requires a thorough understanding of the process & methodologies involved in model development.
  • Demonstrated track record of developing product strategies based on business objectives & coordinating the successful implementation to deliver measurable business results

  • Attention to detail & quality on both internal team work & external products brought to market

  • Hands-on & consistently turn strategies into execution & results

  • Flexible & creative thinker with the ability to define business tradeoffs, generate out-of-the-box solutions & manage uncertainty

  • Strong interpersonal,leadership, & communication skills to influence & instill confidence with stakeholders at all levels & in all functions/geographies

  • Ability to steer sales & marketing efforts on analytic products with sound statistical & financial analysis; execute ad-hoc analyses to meet the fast-changing market demands

  • Analytical, organized, accurate, & detail-oriented with fact-based consultative discipline

  • Team oriented, collaborative, diplomatic, & results driven, with proven success over a wide variety of functional business problems

  • Excellent communication skills, strong executive presence & the ability to lead & inspire teams

  • Experience with predictive model development, machine learning, TensorFlow, graph databases, SAS, Unix, Hadoop, R, Python & XML

  • Excellent problem solving skills with a strong focus on serving clients

  • Demonstrated thought leadership & the aptitude to think creatively & identify new ways to innovate & differentiate with evidence of tangible business results

  • Passionate about what you do & fired up about the opportunity to transform payments working for the industry leader

  • Strong sense of urgency & experience driving to successful commercialization

  • Knowledge of Visa products & technology is a plus, but not required

Additional Information

Essential Functions

  • Successful candidate will be responsible for leading the team responsible for day-to-day product management of Risk Product's core risk models which includes product performance, global commercialization & client engagement

  • Drive improvements of predictive models to increase deeper insights into products with advanced statistical analysis on both financial & non-financial data

  • Regularly review client landscape & recommend, develop & implement new & creative approaches to expanding product capabilities

  • Develop & manage Visa's Models-on-Demand offering available to Issuers, merchants & non-financial institution partners

  • Lead the design, development & management of innovative fraud & authentication solutions spanning developed & emerging products & markets

  • Contribute to the product development process from ideation through market adoption

  • Develop business cases for new analytic product development via sound market, statistical, & data analyses

  • Identify, create & support new revenue sources through the development of new fraud risk products & solutions

  • Assist with the development & execution of short-term, intermediate, & long-term strategic business development plans for Visa's fraud risk & authentication products

  • Establish & maintain strong communications with our development teams, predictive analytic teams, issuers, acquirers, merchants & other partners

  • Capture, develop, & deliver ideas/processes that improve Visa's patent portfolio

Physical Requirements

This position will be performed in an office setting. The position will require the incumbent to sit & stand at a desk, communicate in person & by telephone, frequently operate standard office equipment, such as telephones & computers, reach with hands & arms, & bend or lift up to 25 pounds.

Work Hours

Incumbent must make themselves available for meetings with clients & Visa regional teams early morning & evenings occasionally as needed

Travel Requirements

This position requires the incumbent to travel for work 10% of the time.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines & applicable local law.

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