Company Description 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.

　　Job Description This high impact, high visibility position is part of Payment Systems Intelligence (PSI) - a key component of Global Risk's Payment Fraud Disruption (PFD) department.

　　PFD's team of technology experts are vital to Visa's efforts to identify, investigate, disrupt, and prevent attacks targeting the global payment ecosystem. This Analyst role will guide the execution of key Payment Systems Intelligence capabilities, including Visa Payment Threats Lab (VPTL) as part of PFD services for Visa clients.

　　Responsibilities include executing these capabilities' strategies, engaging clients globally, and successfully executing against the client engagement plan. In addition, as a part of the PSI team, the Analyst will identify new and novel methods that fraudsters are using to target Visa clients and the ecosystem and develop innovative approaches to disrupt emerging fraud and security vulnerabilities affecting Visa clients and the payments ecosystem.

　　The primary focus for this role is the execution of Visa Payment Threats Lab (VPTL) capability. This capability is sought-after differentiator in Visa's Risk offering:

　　Visa Payment Threats Lab (VPTL) is a key part of Visa's ongoing efforts to stay ahead of organized crime groups and has already received high accolades from Visa clients.  Essential objectives for this position include understanding and replicating real world fraud events in transaction processing in addition to theoretical fraud events, in simulation environment, developing actionable recommendations, and delivering highly sensitive information related to ISO 8583 transactional parameters. Building and leading this important offering requires advanced knowledge of payments systems and fraud techniques, as well as the ability to identify vulnerabilities and disrupt evolving attack trends.  In addition, VPTL requires regular interaction with executive members of Visa’s client base to discuss and advise on their most sensitive payment security issues.

　　This role requires a recognized expert with a capacity to solve unique and complex problems that have a broad impact on the business, coordinate closely with client executives, and the ability to present technical, transaction-level findings to clients and executive leadership.

　　Primary Responsibilities:

　　Coordinate closely with Visa executive and technical teams to carry out Visa Payment Threats Lab tests for a specific client, to include full coordination and prioritization of tests with Visa Regional teams and Risk ManagersCoordinate with Visa’s Account Support, Client Configuration, Testing teams on client’s BIN configurations, transaction processing, including authorizations and declines.Execute analysis on transaction level to identify vulnerabilities in authorization parameters and fraud controls.Execute Visa Payment Threats Lab simulations, coordinate test coverage, manage Visa Payment Threats Lab executive report delivery and presentation with clients.Understand payment cards network and authorization systems, fraud controls and vulnerabilities and provide recommended counter measures or mitigating controls to reduce payments risk to an acceptable and manageable levelIdentify new fraud and cybercrime threats to the payments ecosystem and communicate them to relevant industry and client stakeholders! Responsible for managing small projects or processes and providing guidance to external and internal stakeholders.Work independently, under limited supervision, on problems that are undefined and significantly complex.Conduct threat research to identify emerging fraud trends and reproduce results in a simulated production environment.Collaborate with internal and external stakeholders on various fraud issues and produce fraud mitigation strategies to include vulnerability assessments.Contribute and participate in all stages of advanced fraud and cybercrime simulation, understanding and researching fraud attacks on the payment’s ecosystem from multiple phases, including planning, reconnaissance, exploitation, post-exploitation, clean up and remediation.Provide intelligence and technical analysis support to the Payment Systems Intelligence team. Secondary Responsibilities:

　　Serve as team subject matter expert in all areas involving payment fraud analysisIdentify the extraordinary in the ordinary, pinpoint and disrupt complex fraud schemes, and manage identification and reporting of fraud attacksIdentify emerging cybercrime and fraud techniques in a fast-paced, highly technical environmentCreate and provide top-notch presentations to client audiences on cybercrime and fraud threats impacting the payments ecosystem 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:

　　2 or more years of work experience with a Bachelor’s Degree or an Advanced Degree (e.g. Masters, MBA, JD, MD, or PhD) Preferred Qualifications:

　　3 or more years of work experience with a Bachelor’s Degree or more than 2 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD)Seasoned and recognized fraud / payments and risk security expert, with 5+ years of industry experience or equivalent combination of education and experienceExpertise in card payments testing, certification and transaction verificationKnowledge of testing platforms, production environment and transaction level dataKnowledge of transactions, systems processing transactions and overall transaction process.Ability to conduct complex analytical functions by performing fraud assessments and analyzing criminal methodsProficient knowledge of red, purple, and blue teams able to articulate and demonstrate ethical hacking principles in a proper manner to protect payment ecosystem partners from fraud and abuse.Proficient knowledge in ISO 8583 standardModerate understanding of networks, risk management, network security, digital forensics, and security operationsCybersecurity knowledge and experienceSuperior knowledge of payment risk and cyber-security practices with direct experience in developing and implementing policies and risk frameworksExcellent written, oral and presentation skills and an ability to synthesize information and make clear, concise recommendations on course of actionModerate understanding of networks, risk management, network security, digital forensics, and security operationsAdvanced knowledge of information security standards and best practices (e.g., PCI, EMV, NIST)Proven ability to successfully manage fraud operational risk programs within the payment industry and/or regulatory environment.Ability to keep pace with demands of business by anticipating problems, proffering appropriate solutions, and tenacious leadership to effectively implement changeCapable of leading multiple high-complexity, high priority initiatives concurrently, consistently delivering superior resultsA clear record of strategic thinking, sound judgment and superior problemAbility to conduct complex analytical functions by performing fraud assessments and analyzing criminal methodsProficiency in concepts, terms, processes, policy, and implementation of information securityKnowledge in Intelligence databases and analytical tools or similar intelligence reporting systemsKnowledge in analysis of cyber threat intelligence and fraud intelligencePayment Industry/Information security certifications 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 113,700.00 to 145,000.00 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.