Role Overview We are seeking a high-caliber Global Payment Network SME to lead the strategic design and implementation of a Risk Office. This is a "build" role for a visionary leader who understands the intricate plumbing of international payment rails-specifically Visa, Mastercard, and American Express-and possesses the tactical grit to stand up a robust risk management framework from the ground up. You won't just be managing risk; you'll be architecting the engine that allows our global expansion to remain both compliant and resilient across the world's major card schemes. Core Responsibilities 1. Payment Network Architecture & Strategy • Scheme Mastery: Serve as the primary authority on Visa (V), Mastercard (MA), and American Express (AMEX) operating regulations and technical specifications. • Network Optimization: Optimize interchange, scheme fees, and processing routes while ensuring 100% adherence to global network mandates. • Technical Integration: Advise on the implementation of 3D Secure (3DS), tokenization (VTS/MDES), and dispute management workflows (Visa Claims Resolution/Mastercard Collaboration). 2. Risk Office Design & Implementation • Establish the Framework: Define the Risk Office's charter, governance structure, and reporting lines to ensure independent oversight of the payments ecosystem. • Policy Development: Author and implement comprehensive risk policies covering Operational, Credit, Fraud, and Counterparty Risk specific to high-volume card-not-present (CNP) and card-present environments. • Monitoring & Tooling: Identify and deploy real-time fraud monitoring and automated risk-scoring engines tailored to scheme-specific data elements. 3. Regulatory & Compliance Leadership • PCI-DSS Oversight: Lead the Risk Office in ensuring all network integrations meet the highest security standards. • Regulatory Liaison: Manage relationships with network auditors and regulatory bodies to ensure the network remains in good standing across all jurisdictions. Experience: • 10+ years in global payments, with at least 5 years focused on Visa, Mastercard, and/or AMEX network operations. • Proven Track Record: You have successfully "stood up" a Risk Office, Center of Excellence, or similar governance body in a fintech, merchant acquiring, or Tier-1 banking environment. • Scheme Navigation: Deep experience navigating the Visa Core Rules, Mastercard Consolidated Rules, and AMEX Merchant Operating Guides. Skills: • Mastery of Chargeback/Dispute Management lifecycles and mitigation strategies. • Expertise in Three Lines of Defense (3LoD) risk models within a card-payment context. • Ability to translate complex network mandates into actionable technical product requirements. Desired Qualifications: • Certifications such as CRMP, CAMS, or specific network certifications. • Experience with ISO 20022 and the convergence of card schemes with real-time payment (RTP) rails. • Advanced degree in Finance, Economics, or a related technical field. Infinitive is required by law in some jurisdictions to include a reasonable estimate of the compensation range for this role. The determination of this range includes various factors not limited to skill set, level, experience, relevant training, and licensure and certifications. Compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range for this role in the U.S. is $140,000.00 - $210,000.00.