Job DescriptionVisa is looking for a product-minded risk leader to support a portfolio that includes stablecoin and crypto initiatives, AI-enabled agentic commerce, Visa Pay, Visa Accept and other emerging payment capabilities.
You will work with product teams from early concept through launch and ongoing monitoring. Your role is to identify the risks that matter, bring the right experts together, and help the business make timely, well-informed decisions without adding unnecessary friction.
This is a strong fit for someone who enjoys learning new business models and technologies, asking thoughtful questions, and creating structure where the answer is not obvious. Deep experience in every product area is not expected. We value demonstrated expertise in one or more relevant domains and the ability to learn quickly across the portfolio.
What you will do:Partner with emerging product teams:- Build trusted relationships across Product, Technology, Treasury, Legal, Compliance, Cybersecurity, Data and AI Governance, Client Services and regional teams.
- Engage early in product roadmaps, design choices, partner models and market launches so material risks can be addressed before options narrow.
- Translate complex product, technology, regulatory and ecosystem questions into clear decisions, actions and leadership asks.
Lead product risk decisions:- Lead product risk reviews for new products, pilots, feature changes, partnerships and market launches. A product risk review is Visa's structured process for identifying material risks and required mitigations before a product or significant change moves forward.
- Determine the right level of risk review, risk acceptance, control assessment and escalation for each initiative, based on materiality and product maturity.
- Document material risks, mitigations, accountable owners, decision points and post-launch monitoring expectations.
Strengthen operational and enterprise risk management:- Lead or support Risk and Control Self-Assessments (RCSAs), including process scoping, risk identification, control design, issues and remediation plans.
- Assess whether controls are practical and fit for purpose by reviewing ownership, frequency, evidence, escalation and effectiveness.
- Maintain a forward-looking portfolio view of risks, control gaps, key risk indicators, risk acceptances, mitigation commitments and emerging themes.
- Keep enterprise risk records current and drive timely follow-through on mitigation actions.
Apply judgment to new and evolving risks:- Evaluate emerging payments, digital assets, AI-enabled commerce and related technologies by separating material exposure from theoretical concern.
- Connect strategic and ecosystem implications with the detailed operating processes and controls needed for safe execution.
- Reuse effective risk and control patterns across products while adapting the approach to the maturity, scale and context of each initiative.
What will help you succeed:We are interested in high-potential leaders from risk, fintech, payments, digital assets, product, technology, consulting or other relevant backgrounds. You do not need to have followed a traditional risk career path.
ATTRIBUTE:WHAT IT LOOKS LIKE: - Curiosity and learning agility: You can get smart quickly on unfamiliar products, technologies, regulations and business models, then ask the questions that move the work forward.
- Product and commercial mindset: You understand how products are designed, launched and scaled, and you connect risk recommendations to customer and business outcomes.
- Practical risk judgment: You focus on material exposure, proportionate controls and clear decisions rather than applying process for its own sake.
- Influence and collaboration: You can challenge constructively, build alignment across disciplines and move work forward without relying on formal authority.
- Clear communication: You can turn complex issues into concise, decision-oriented narratives for product teams and senior leaders.
- AI-forward approach: You are willing to use AI and automation responsibly to improve analysis, documentation, reporting and day-to-day effectiveness.
This role is a Hybrid position to be located in our San Francisco, CA office location. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.
QualificationsBasic Qualifications:- 8 or more years of relevant work experience with a Bachelor Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD
- Experience evaluating complex business, product, technology or operational risks and translating findings into clear recommendations.
- Demonstrated ability to work across functions and influence stakeholders at different levels.
- Experience creating or improving frameworks, governance, controls, operating processes or decision mechanisms in an evolving environment.
- Strong written and verbal communication skills.
- Experience working in a regulated, global or highly cross-functional environment.
Preferred Qualifications:- 9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD
- Degree in business, Finance, Risk Management, Technology, Engineering, Economics, Computer Science, or a related field, or equivalent practical experience.
- 7 or more years of relevant experience in product, risk, payments, fintech, digital assets, technology, financial services, consulting or a related field.
- Experience with one or more of the following: digital payments, stablecoins or crypto, blockchain, AI or agentic systems, fintech platforms, APIs, fraud, disputes, treasury or regulated product launches.
- Familiarity with product risk reviews, enterprise or operational risk management, Risk and Control Self-Assessments, control design, issue management or risk acceptance. .
Information for US ApplicantsFor roles located in the US, the estimated salary range for this position is $153,700.00 to $ 246,200.00 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.
Work HoursVaries upon the needs of the department.
Travel RequirementsThis position requires travel 5-10% of the time.
Mental/Physical RequirementsThis 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.
