About Us Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.
At Visa, you'll have the opportunity to create impact at scale - tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.
Join Visa and do work that matters - to you, to your community, and to the world. Progress starts with you.
Job Description Visa Consulting and Analytics (VCA) is the consulting arm of Visa, and drives tangible, impactful results for clients. Drawing on our expertise in consulting, data analytics, technology, payments and economics, VCA solves the most strategic problems for our clients. VCA's core client segments include issuers, acquirers, merchants, fintechs, payment enablers and governments.
Key Responsibilities:
- Lead complex consulting engagements in Fraud Prevention and Disputes for issuers and other players in the payments ecosystem.
- Design and optimize fraud prevention strategies, policies, rules and processes, balancing fraud losses, approval rates and customer experience.
- Lead assessments and optimization of fraud management platforms and rule engines, including rule creation, monitoring, tuning and performance management.
- Lead end-to-end disputes and chargeback transformation, covering processes, policies, workflows, reason codes, evidence requirements and operational efficiency.
- Develop data-driven recommendations and business cases focused on fraud loss reduction, dispute optimization, authorization uplift and operational efficiency.
- Act as a subject matter expert with senior client stakeholders across Risk, Fraud, Disputes, Operations, Products, Data and Technology.
- Lead multidisciplinary project teams and contribute to the development of new Fraud & Disputes consulting capabilities and solutions.
- Identify opportunities to apply AI, advanced analytics and automation across fraud prevention and dispute management.
Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.
Qualifications Preferred Qualifications:
- Extensive experience in fraud prevention and disputes/chargebacks, preferably within the cards and payments industry.
- Strong knowledge of the Brazilian cards and payments ecosystem, including issuers, acquirers, fintechs, processors and payment networks.
- Proven experience designing and implementing fraud strategies, policies and rules across card-present and card-not-present transactions.
- Hands-on knowledge of fraud management platforms and rule engines, such as FICO Falcon, Feedzai, SAS Fraud Management, Featurespace or equivalent solutions.
- Strong knowledge of the end-to-end dispute and chargeback lifecycle, including dispute rules, reason codes, representment, pre-arbitration and arbitration.
- Knowledge of authentication, authorization, EMV 3DS, tokenization, digital fraud and emerging fraud trends.
- Strong analytical mindset with the ability to translate data and complex risk topics into actionable business recommendations.
- Proven experience leading complex projects, multidisciplinary teams and senior client engagements.
- Strong executive communication, problem-solving and stakeholder-management skills.
- Advanced/Fluent English and Portuguese.
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.
