Sr. Risk Management Manager

110 Visa U.S.A. Inc.; San Francisco (CA); Hybrid; CAD 209,000 - 348,000; Full time

Job summary

Visa is seeking a product-minded risk leader to support a portfolio including stablecoins, AI-enabled commerce and other payments capabilities. You will work with product teams from early concept to launch, identifying material risks and coordinating experts to enable timely business decisions without friction.

This role emphasizes learning across domains, strong judgment, and the ability to translate complex questions into clear actions for product teams and senior leadership.

Qualifications

• Experience evaluating complex risks and translating findings into clear recommendations.
• Ability to work across functions and influence stakeholders at different levels.
• Experience creating or improving risk governance, controls and decision mechanisms.

Responsibilities

• Partner with emerging product teams to build relationships across Product, Technology, Legal, Compliance, Cybersecurity and regional teams.
• Engage early in product roadmaps to address material risks before options narrow.
• Lead product risk reviews for new products, pilots and market launches with clear mitigations.
• Document risks, mitigations, owners and post-launch monitoring expectations.
• Maintain forward-looking risk portfolio, indicators and remediation tracking.

Skills

Risk management

Stakeholder influence

Product risk reviews

Regulated environment

Strong communication

Education

Bachelor degree

Job description

About Us

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.

Job Description

Visa 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 earlyconceptthrough launch and ongoing monitoring. Your role is toidentifythe risks that matter, bring the right experts together, and help the business maketimely, 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 creatingstructurewhere the answer is not obvious. Deep experience in every product area is not expected. We valuedemonstratedexpertisein 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, ClientServicesand regional teams.
• Engage early in product roadmaps, design choices, partnermodelsand market launches so material risks can be addressed before options narrow.
• Translate complex product, technology, regulatory and ecosystem questions into clear decisions, actions and leadershipasks.

Lead product risk decisions:

• Lead product risk reviews for new products, pilots, feature changes,partnershipsand market launches. A product risk review is Visa’s structured process foridentifyingmaterial risks andrequiredmitigations before a product orsignificant changemoves forward.
• Determinethe right level of risk review, risk acceptance, controlassessmentand escalation for each initiative, based on materiality and product maturity.
• Document material risks, mitigations, accountable owners, decisionpointsand 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,issuesand remediation plans.
• Assess whether controls are practical and fit for purpose by reviewing ownership, frequency, evidence,escalationand effectiveness.
• Maintain a forward-lookingportfolioview of risks, control gaps, key risk indicators, risk acceptances, mitigationcommitmentsand emerging themes.
• Keep enterprise risk records current and drivetimelyfollow-through on mitigation actions.

Apply judgment to new and evolving risks:

• Evaluate emerging payments, digital assets, AI-enabledcommerceand 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,scaleand context of each initiative.

What will help you succeed:

We are interested in high-potential leaders from risk, fintech, payments, digital assets, product, technology,consultingor other relevant backgrounds. You do not need to have followed a traditionalriskcareer path.

ATTRIBUTE:

WHAT IT LOOKS LIKE:

• Curiosity and learning agility: You canget smart quicklyon unfamiliar products, technologies,regulationsand business models, then ask the questions that move the work forward.
• Product and commercial mindset: You understand how products are designed,launchedand scaled, and you connect risk recommendations to customer and business outcomes.
• Practical risk judgment: You focus on material exposure, proportionatecontrolsand clear decisions rather than applying process for its own sake.
• Influence and collaboration: You can challenge constructively, build alignment acrossdisciplinesand 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,reportingand 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.

Qualifications

Basic 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 atdifferent levels.
• Experience creating or improving frameworks, governance, controls, operatingprocessesor decision mechanisms in an evolving environment.
• Strong written and verbal communication skills.
• Experience working in a regulated,globalor 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,consultingora relatedfield.
• Experience with one or more of the following: digital payments, stablecoins or crypto, blockchain, AI or agentic systems, fintech platforms, APIs, fraud, disputes,treasuryor regulated product launches.
• Familiarity with product risk reviews, enterprise or operational risk management, Risk and Control Self-Assessments, control design, issuemanagementor risk acceptance..

Information for US Applicants

For 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 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 protect veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with the EEOC guidelines and applicable local law, including the requirements of Article 49 of the San Francisco Police Code.