Company Description
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
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. This 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/former experience in other to enhance current project's deliverables, analysis and workflow, also address key strategic needs for Visa's clients including issuers, acquirers and merchants. Play a leadership role for VCA local teams, which she/he will work with. It is very important to have the ability to interact with external partners, 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, portfolio's risk analysis, among others.
Essential Functions
Utilize Visa's data and analytic capabilities, technology, and industry expertise to develop, standardized and implement the 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 in order to improve risk practices.
• Perform client-specific analysis on portfolio data including proprietary information, such as customer demographics, activity, spend levels, behavioral scores, financial information, among others.

Communicate concepts and the results of the analyses in a clear and effective manner.
Support knowledge transfer to facilitate 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

• 5 or more years of relevant work experience with a Bachelors Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD

Preferred Qualifications

• 6 or more years of work experience with a Bachelors Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or up to 3 years of relevant experience with a PhD
• Bachelor's degree in Finance, Accounting, Economics or related quantitative field (e.g. Statistics, Computer Science, Engineering, other)
• Bilingual - Spanish/English (spoken/written)
• 5 years of overall experience in consumer banking, credit bureau, processors and/or retailers
• Strong interest in the future of payments a must.
• Proficient in MS Office or equivalent (Powerpoint, Excel).
• Ability to transform / synthetize data in succinct, palatable business language
• Results oriented professional with proven track record of achievement.
• 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 are a plus
• 8 years of overall experience in a 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 in order 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.
• Bilingual in English & Spanish. Portuguese fluency is a plus.
• Prior Consulting and Successful Client Facing experienced

Additional Information
Work Hours: Varies upon the needs of the department.
Travel Requirements: This position requires travel 5-10% of the time.
Mental/Physical Requirements: This position will be performed in an office setting. The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.
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.
Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.
U.S. APPLICANTS ONLY: The estimated salary range for a new hire into this position is 112,500.00 to 163,050.00 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity. Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401 (k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.