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
The VCA team is looking for an individual to join our consulting practice and play a key role developing high impact projects for Visa's clients in the LAC region with a focus on supporting VCA's Credit Risk and Fraud vertical. This position will be based in Miami, USA. The potential candidate will be responsible for delivering risk projects (Credit / Authorizations / Fraud). It is expected from the candidate to bring new insights from market trends and former experience to enhance current project deliverables, analysis, and workflow, also addressing key strategic needs for Visa's clients including issuers, acquirers, and merchants. The candidate will play a leadership role for VCA local teams, collaborating with them. It is crucial to have the ability to interact with external partners and internal multidisciplinary teams with different levels of risk knowledge to guide and expand the risk practice footprint in the region.
Potential engagements could include underwriting diagnostics, portfolio management diagnostics, authorization optimization strategies, assessments of current risk policies, predictive scores (ML) application/development, implementation roadmaps,
optimization of client customer-servicing processes, and portfolio risk analysis, among others.
Essential Functions
- Utilize Visa's data and analytic capabilities, technology, and industry expertise to develop, standardize, and implement consulting solutions focused on Risk and Fraud.
- Identify relevant market trends by country, based on a deep analysis of payment industry/consumer banking information, interacting with several internal and external stakeholders for the strategic definition of analysis and initiatives.
- Continuously develop and present innovative ideas to improve risk practices.
- Perform client-specific analysis on portfolio data including proprietary information, such as customer demographics, activity, spend levels, behavioral scores, and financial information.
- Communicate concepts and the results of the analyses in a clear and effective manner.
- Support knowledge transfer to facilitate the implementation of recommendations provided.
- Document all projects developed and write other documentation as needed. Identify and share best practices for key topics.
Universal acceptance for everyone, everywhere, is not only our brand promise but also the foundation of our company culture. We foster a feeling of connectedness in the workplace, support diversity of thought, culture, and background, fight for important initiatives like Equal Pay, and actively work to eliminate unconscious biases that hold us all back. By leveraging the diverse backgrounds and perspectives of our worldwide teams, Visa is a better place to work and a better business partner to our clients.
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
- Bachelor's degree in finance, Accounting, Economics, or related quantitative field (e.g., Statistics, Computer Science, Engineering, other)
- 5+ years of overall experience in consumer banking, credit bureau, processors, and/or retailers
- Strong interest in the future of payments is a must.
- Proficient in MS Office or equivalent (PowerPoint, Excel).
- Ability to transform/synthesize data into succinct, palatable business language
- Results-oriented professional with a proven track record of achievement.
Preferred Qualifications
- M. Sc,
MBA, or other relevant Master's degree preferred (e.g., Statistics, Computer Science, Engineering or other related fields).
- Experience in consumer credit risk in the retail banking, payments, financial services, and/or technology industries.
- 8+ years of overall experience in banking, credit bureau, processors, and/or retailers.
- Domain of statistical and visualization tools (Python, SAS, Tableau).
- Continuously develop and present innovative ideas based on data-driven approaches to improve current business practices.
- Project management, organizational, and presentational skills.
- Strong teamwork, relationship management, and interpersonal skills.
- Ability to multi-task various projects while meeting required deadlines.
- Prior consulting and successful client-facing experience.
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.
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