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Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across 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.

When you join Visa, you join a culture of purpose and belonging – where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world – helping unlock financial access to enable the future of money movement.

Join Visa: A Network Working for Everyone.

What’s it all about?

As the Risk Advisor for Central Eastern Europe, you will be central to developing and delivering on Risk Europe’s strategy, integration and deployment plan for tailored Visa Risk capabilities that enable clients to improve risk and fraud mitigation capabilities, including to,

• Inform development and execution of a comprehensive risk plan that is consistent with local market landscape, market priorities and global risk strategy.
  • Under the direction of the VP Europe Risk Advisory, the role has responsibility for payment cards fraud prevention, management of fraud, security and risk in the external Visa payment infrastructure in one or more countries.
  • Support both internal and external risk management programs
  • Support client forums, including security summit, Risk Executive Councils, working groups
  • Promote & support client adoption of Visa risk products, solutions, initiatives
• Support relationships with issuers, acquirers, merchants, payment processors, service providers, regulators, and law enforcement to
  • Identify opportunities to enhance the payment ecosystem and advance risk management best practice
  • Support constructive relationships with local market regulators and law enforcement agencies
  • Resolve fraud and data breach events
  • Provide stakeholder training
• Support the appropriate supervision framework in market
  • Support 2nd Line accountabilities in the execution of the Global Supervision Risk framework for identifying, monitoring, and managing supervisory relationships where appropriate
  • Partner with business and functional teams to engage with government stakeholders, foster sound conditions to operate, and create insights on regulatory and supervisory topics for effective business responses
  • Provide regular and ongoing reporting, metrics and information related to regulatory and supervisory management
• Support the responsible innovation initiative by assisting Visa and its clients mitigate risks and embrace new technology improvements.
  • Assess emerging/innovation risks and new business models
  • Leverage local insights to contribute to Risk thought leadership
  • Guide clients through payment innovation complexity
• Prepare reports, briefings, and other written products to update executive management on risk activities, issues, and opportunities.
  • Convey risk related trends and developments to local General Manager and leadership team through regular reporting
  • Synthesize marketplace feedback regarding the effectiveness of Visa’s risk management strategy and programs, benchmark Visa’s performance relative to other payment networks and participants.
  • Guide Visa’s proactive risk communications and collaboration across all of these stakeholders so as to advance the safety, security and long-term growth of the Visa payment system.

• This role reports to the VP Europe Risk Advisors, within Europe Risk Department. The position is in Warsaw, Poland.

What we expect of you, day to day:

Visa owns the most recognizable global brand in the financial services industry. Maintaining trust in that brand and differentiating Visa from competitors will be the Risk leader’s key responsibilities. Risk management is emerging as one of the key pillars of Visa’s strategy of Championing Security and Deepening Partnerships. With in-market ownership of this strategy, the Director Risk Advisor in Central Eastern Europe plays a critical role to support the enterprise and operational risk activities of the company.

This role will be entrusted with a broad portfolio of responsibilities including Strategic Risk Management and Ecosystem Risk, Fraud and Data Security for the Central Eastern Europe markets. As a key member of the market Risk team, this role will advise Visa’s Central Eastern Europe Country Managers, the market executive team and hub and global functional leads on strategies related to complex operational, financial, legal and regulatory risk exposures.

In addition to overseeing Strategic Risk Management, the Risk Director will be responsible for maintaining the integrity of the payments ecosystem, which includes issuing and acquiring banks, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways. In this capacity, this role will work in conjunction with Visa Government Engagement, Regulatory Risk team, and other internal and external key stakeholders shaping the payments industry.

Key Accountabilities:

• Ability to develop, coordinate and integrate a new strategy across key stakeholders globally and in VEL, to include resource requirements across functions, business impact evaluation and scale capabilities.
• Act as the Risk Europe Fraud Services point of contact across VEL and work cross regionally with key stakeholders such as Global Risk as relevant to execute and communicate a consistent Visa fraud services strategy, both internally and externally to our clients
• Form key stakeholder relationships across VEL to develop an in depth understanding of the current end-to-end risk client lifecycle including onboarding, credit risk and ecosystem risk monitoring. Provide recommendations to tailor the existing client lifecycle to meet specific opportunities for fraud services.
• Support business development of fraud services strategy, activities, products by being able to articulate current risk control environment, assist in assessing any new risks that may arise from new strategy/activities and consider these in the wider context of the overarching risk appetite.
• Support the embedding of fraud services by working with Data and Analytics to collect and analyse information on the sector, including any noticeable trends, root causes, and potential solutions.
• Develop awareness of the wider regulatory environment and key external developments for the new payments flow sector including any events that may require legal consideration, regulatory engagement or a change to Visa Rules.
• Write reports and proposals to key audiences, Risk Committee, Board Risk Committee, Regulators outlining key progress, trends, findings emerging from due diligence activity on the new payment flows sector
• Represent VEL on proposed policy changes with the business and industry and incorporate feedback managing internal and external stakeholders to deliver solutions
• Support, train and provide strategic direction on fraud services to the Ecosystem Risk team in their scaled client engagements including SME advice on any large-scale client outreach strategy, complex client queries and client facing materials that can be used in client educational sessions, client bank forums, wider industry and sector audiences as needed.
• Report to Risk Advisory and Risk Europe Leadership teams when required on relevant risk strategies.

The role will be required to support the following:

• Innovation objectives that support the sustainable growth and protect Visa Europe mantras
• Ecosystem metrics as developed by Risk Europe
• Liaison with regional Centres of Excellence

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.

• Knowledge of deploying new business and payment technology strategies for risk mitigation and risk services
• Knowledge, understanding and experience of risk management practices in financial services
• Proven experience of engaging multiple stakeholders on a given strategy or risk capability
• Knowledge of the financial sector from a risk management perspective
• Knowledge of the Central Eastern Europe and wider European payments and financial services industry and the major trends affecting key stakeholders, including the regulatory, political and market environment, payment products and services, economic and competitive landscape technology and the rising threat of data breaches
• Track record in synthesizing complex information to produce impactful management information and analysis, and support informed executive decision making
• Knowledge and understanding of relevant regulation
• Understanding of technologies and capabilities that assist in fraud monitoring, controls, fraud reduction, fraud exploit identification, cyber security capabilities to reduce financial risk
• Experienced in preparing, reviewing, delivering executive level communications, both written and oral
• Control, corporate functional experience: Finance, Risk & Regulatory, Legal, Compliance
• Sound knowledge and experience of law in relation to the payments environment and ideally have had experience in working with law enforcement, judiciary and Court proceedings

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.