Risk Management Analyst at Visa

Team Summary

• Visa Managed Services, part of Risk and Identity Solutions, is an important part of Visa’s Value-Added Services business and partners with acquirers, issuers, merchants, and fintech clients to manage risk, improve authorization performance, and reduce fraud. As a strategic extension of clients’ risk teams, we combine consulting expertise, data-driven analysis, and Visa’s risk solutions to deliver measurable business outcomes.
• We are a collaborative and supportive team passionate about helping clients adapt to an evolving risk landscape and achieve sustainable growth.

Key Accountabilities And Objectives

What a Visa Managed Service Consultant does at Visa:

• The Consultant manages a portfolio of client engagements across acceptance and issuing use cases, applying practical risk strategies to reduce fraud, improve authorization performance, and support business growth.
• Working across multiple engagements, the Consultant analyzes transaction and performance data, identifies risk trends and optimization opportunities, and translates insights into actionable recommendations. The role partners closely with client teams and internal stakeholders to drive ongoing solution optimization and managed service delivery.

Key Responsibilities

• Manage a portfolio of client engagements across acceptance and issuing use cases, serving as a trusted advisor on payment risk strategy, fraud mitigation, and authorization optimization.
• Conduct in-depth analysis of transaction data, fraud patterns, and authorization performance using SQL, Python, and Visa's proprietary analytics platforms to identify risks, trends, and actionable optimization opportunities.
• Configure, monitor, and optimize Visa risk solutions — including CyberSource Decision Manager and Featurespace aligned with each client's business objectives and risk appetite.
• Develop and deliver data-driven recommendations through client-facing presentations, performance reports, and strategy reviews, translating complex analytical findings into clear, actionable insights.
• Drive continuous improvement across managed service engagements by tracking KPIs (e.g., fraud rates, false positive rates, approval rates), conducting periodic performance reviews, and proactively identifying enhancement opportunities.
• Partner with product, analytics, and cross-functional teams to ensure seamless client delivery, escalate emerging risks, and contribute to the evolution of Visa's managed service capabilities — including the exploration of Generative AI-enabled workflows for analysis and reporting.

Why This Is Important To Visa

• This role supports the continued growth and client impact of Visa Managed Services by helping clients improve risk performance through key solutions such as CyberSource Decision Manager and Featurespace.

Projects You Will Be a Part Of

• Managed Service Delivery & Client Impact — You will deliver expert risk management consulting across a portfolio of clients, helping them optimize fraud strategies, improve authorization performance, and strengthen their overall risk posture through Visa's suite of risk solutions.
• Product Enablement & Revenue Growth — You will help translate frontline service insights and client feedback into scalable product improvements, enabling Visa's risk solutions to serve a broader client base more effectively and contributing to the growth of product adoption and revenue.
• GenAI-Driven Workflow Transformation — You will contribute to initiatives that reimagine how we work by applying Generative AI to our existing analytical and operational workflows — automating routine tasks, accelerating insights generation, and freeing capacity for deeper, more complex problem-solving.
• Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

• Passion for helping clients grow their business while managing payment-related risk.
• Strong written and verbal communication skills in English, with the ability to explain analytical findings and recommendations clearly to clients and internal stakeholders.
• Relevant experience in payments, fraud/risk management, consulting, analytics, or a related field. Strong analytical skills and hands-on experience working with large datasets using Tableau and Power BI.
• Proficient in SQL— including complex queries with JOINs, window functions — and experience in Python for data analysis and manipulation (e.g., Pandas, NumPy, data visualization libraries).
• Solid understanding of machine learning principles and risk analytics, with hands-on experience applying ML techniques (e.g., classification, anomaly detection) to real-world fraud or risk use cases. Strong structured problem-solving skills.
• Working knowledge of Generative AI and LLM concepts, with the ability to identify practical and responsible ways to leverage AI tools to improve analysis efficiency, automate reporting workflows, and enhance problem-solving capabilities.
• Ability to translate data and analysis into clear, actionable recommendations. Ability to manage multiple priorities and contribute effectively in a fast-paced, collaborative environment. Demonstrated client focus, collaboration, accountability, and continuous improvement mindset.
• Bachelor’s degree or above, preferably in Computer Science, Mathematics, Statistics, Engineering, Economics, or a related field.
• Minimum of 5 years’ relevant experience in payments, fraud/risk management, consulting, analytics, or related client-facing problem-solving roles.
• Good understanding of the payment transaction lifecycle and related risk controls, including card scheme rules, as well as familiarity with digital solutions such as EMV 3DS and Network Token.