Role Overview: Risk Director, CARCAM

Reporting to the Head of Risk for CARCAM, this role oversees Strategic Risk Management and Ecosystem Risk (Fraud and Data Security) across Central America and the Caribbean countries, with additional involvement in broader Latin America initiatives. The position requires close collaboration with in-market leadership as well as regional and global partners, including VAS, Product, Government Affairs, Client Services, among others.

The Risk Director is responsible for setting security priorities and executing strategies to prevent fraud, strengthen authentication, protect sensitive data, respond to data breaches, and prevent misuse of the payment system. The role also represents Visa’s Credit Settlement Risk framework, safeguarding the company against financial loss arising from issuer or acquirer failure. In addition, the role engages directly with clients to mitigate risk and enable responsible innovation.

Key Responsibilities:

• Develop and execute a comprehensive risk strategy aligned with local market conditions and global priorities
• Act as a trusted advisor to the Country Managers and leadership on all risk-related matters
• Lead internal and external risk management programs and client-facing forums
• Promote adoption of Visa risk products and solutions
• Balance authorization performance with fraud mitigation objectives
• Build and manage relationships with issuers, acquirers, merchants, processors, regulators, and other ecosystem participants
• Oversee response and coordination for fraud events, cyber incidents, and data breaches
• Lead responsible innovation initiatives and assess emerging risks and new business models
• Conduct regional risk assessments for new players and initiatives
• Provide clear, actionable reporting to executive management and synthesize market feedback to enhance Visa’s risk strategy
• Design and lead client workshops showcasing Visa’s latest products, market trends, and emerging topics relevant to client priorities.
• Lead and conduct Risk Executive Councils (RECs), client Summits, and MBRs to engage clients on risk, security, and strategic priorities.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

What You Will Need:

• An experienced enterprise and operational risk leader with strong exposure to the payments ecosystem or similarly complex, regulated, multinational environments.
• Backgrounds in payment networks, processors, financial institutions, or large technology-driven transactional businesses are preferred.
• The successful candidate demonstrates the ability to identify emerging and existing risks, design effective mitigation strategies, and influence senior stakeholders through close partnership with the business.
• Experience leveraging data, analytics, and AI-driven insights to enhance risk detection, decision-making, and operational efficiency is highly valued.
• A strong client-centric mindset, ability to operate effectively in cross-functional, matrixed environments, and comfort engaging with regulators and ecosystem partners are essential.
• Fluency in Spanish and professional proficiency in English are required, along with confidence, humility, and energy to succeed in a fast-paced, evolving industry.

Experience and Qualifications:

• Deep knowledge of the payments industry, regulatory environment, technology trends, AI applications, and data security risks
• 5+ years of leadership experience in technology, payments, or financial services
• Proven general management capabilities, including strategic thinking, risk leadership, and relationship management
• Bachelor’s degree in business, computer science, MIS, or a related field

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 is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters — to you, to your community, and to the world.

Progress starts with you.