Product Analyst, Risk Analytics (Modeling) - Visa

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.

If you come from a consulting and/or data science background and are looking to join a start-up culture, have the opportunity to take a product from ideation all the way through to a live service, work with the best-in-field ML experts on contemporary AI methods, all while working directly with clients and keeping a focus on delivery – this is the role for you!

Economies around the globe are moving towards Real Time Payments (RTP), bringing substantial innovation and modernization to payments. There is an increasing demand for the provision of real-time payment services across every region of the world, adding trillions of dollars in payments volume globally on an annual basis. To drive successful adoption, RTP infrastructures are supported by value added services across the entire payments value chain and all use cases – this is where Visa comes in.

You will join the RTP Risk Analytics product team, who design and build state of the art advanced AI products to help Financial Institutions detect and prevent fraud & scams in real-time payments, using contemporary techniques such as Deep Learning, Network Graph Analytics and Scalable ML.

The RTP Risk Analytics offering marks a key strategic growth pillar for Visa globally as part of our strategy to address rising market demand to support new and emerging payment flows.

The RTP Risk Analytics product team functions as an incubated start-up, taking ideas through the entire product lifespan from concept to market, all while leveraging Visa’s global infrastructure, technology, and experience as a leader in global payments.

The Product Manager (Analyst) will support the rapid design and build of our cutting-edge AI products. You will work closely alongside Visa Research, Visa’s US based machine learning and data engineering R&D specialists, to incorporate the most advanced AI techniques to build out the service.

As well as working on product development, the Product Manager (Analyst) will support the commercialization of the service and activating markets across the globe. This includes the delivery of client pitches and demos, fostering client relationships, and the delivery of Pilot stage projects with prospective clients to test and demonstrate the value of the service and prepare the client for progression to a live service.

Essential Functions:

• Support and collaborate on the design and execution of the RTP Risk Analytics product suite including:
  • Supporting the end-to-end execution of new product development (Inception, POC, MVP, Live)
  • Participating and providing business input to the AI design and technology discussions.
  • Collaborating with teams across Visa to align RTP Risk Analytics with Visa Global strategy, product suite, and processes.
  • Working with Product, Research, Engineering, UX teams, and others to define product goals and deliver key features.
• Support client Pilot delivery phases, including:
  • Managing and planning the phase of work
  • Working closely with the data science teams to deliver successful results.
  • Presenting findings and results back to clients
• Support product commercialization efforts, including:
  • Delivering client pitches and demos
  • Progressing opportunities into client demand
  • Maintaining local market relationships
• Take a creative and Design Thinking approach to develop innovative solutions to industry challenges.
• Play an instrumental role in the RTP Risk Analytics team, actively participating in the overall strategy design, commercialization, and execution of Risk Analytics products.
• Become go-to-person for Advanced Analytics Products in the Financial Crime/RTP function. Represent the product and product strategy.

This role is based in Austin, TX and 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.

We are not supporting visa sponsorship at this time.

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)
• Strong background in Consulting programmes (and/or Product Management) for Advanced Analytics products in Financial Services, encompassing both client facing and delivery focussed experience (min. 3+ years).
• Experience working in Financial Crime and/or Payments within the Financial Services industry.
• Proven record of accomplishment of success in fast-paced, agile environments with demanding timelines.
• Experience in designing and taking products to market that use complex modelling techniques (inc. AI/ML).
• Experience in management and requirement provision for remote data science teams focused on AI/ML.
• Passion for innovating and delivering truly differentiated products & user experiences.
• Excellent interpersonal skills with demonstrated ability to interface across levels, regions, cultures, and languages, and engage successfully with both specialist teams and broader business partners.
• Strong ability to consume complex data and information, develop insights and create impactful stories.
• Ability to contribute to strategic planning, drive change management.
• Ability to lead executive messaging.

The successful execution of this role will be achieved through a combination of leadership, technology/product knowledge, innovation, passion for customers, and applied strategy. As well as a positive contribution to Visa’s rapidly expanding payments products and services offerings.

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 88,200.00 to 112,500.00 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.