The Director, Enterprise Risk Management (ERM), will be providing leadership and strategic oversight of enterprise‑wide risk management capabilities, ensuring risk insights are integrated into business and strategic decision‑making. This role will be responsible for shaping, executing, and continuously enhancing ERM programs, with a focus on effectiveness, scalability, and decision relevance. In addition, the role will be expected to lead cross‑functional initiatives, influence senior stakeholders, and proactively identify and respond to emerging and systemic risks.

This role will be based in San Francisco or Atlanta

Essential Functions:

• Partner with regions to embed ERM frameworks including Policy, Risk Appetite Framework, ERM Framework globally to drive a stronger first-line of defense.
• Own ERM methodology and maturity, including enterprise self‑assessments that inform Corporate Risk priorities and remain aligned with regulatory expectations and industry best practices.
• Provide end‑to‑end ownership of ERM program performance, ensuring effectiveness, simplification, strong governance, and measurable impact across key ERM programs.
• Manage key quarterly ERM operating rhythms, including development of the corporate risk profile, assessment of enterprise KRIs, and oversight of regional risk and control scorecards.
• Act as a trusted risk advisor to senior leaders, synthesizing risk insights across domains, facilitating constructive challenge, and driving alignment on risk responses.
• Identify, assess, and escalate emerging and systemic risks, including areas such as AI, advanced analytics, brand and reputation, and complex third‑party ecosystems.
• Own the quality and clarity of enterprise risk reporting, including quantitative risk indicators, trends, and scenario analysis for executive and governance forums.
• Engage, coach, and influence stakeholders across the three lines of defense to embed risk management practices and strengthen enterprise risk culture.
• Partner closely with first‑line leaders, Internal Audit, and other second‑line teams to ensure coherent, consistent, and effective risk oversight.
• Ensure preparedness for and participation in regulatory, internal audit, and external reviews, including topics such as risk appetite monitoring, risk acceptance, and KRI effectiveness.
• Maintain awareness of external risk developments, including regulatory guidance, industry standards, and emerging best practices, and integrate relevant insights into ERM approaches.
• Partner with ERM leadership to leverage and deploy technology and AI to enhance risk management capabilities, efficiency, and decision support.

Success Measures:

• ERM insights demonstrably influence strategic and operational decisions.
• Senior management and governance forums express confidence in the clarity, relevance, and credibility of ERM reporting.
• ERM processes are streamlined while risk coverage, insight, and impact increase.
• Risk maturity improves across priority risk domains year over year.

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

Basic Qualifications:

• 10 or more years of work experience with a Bachelor’s Degree or at least 8 years of work experience with an Advanced Degree (e.g. Masters/ MBA/JD/MD) or at least 3 years of work experience with a PhD

Preferred Qualifications:

• 12 or more years of work experience with a Bachelor’s Degree or 8-10 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 6+ years of work experience with a PhD
• Strong understanding and knowledge of ERM methodologies and systems with hands-on experience in application of risk management standards (COSO, PFMIs, IIA, OCC guidance).
• Prior experience in a second-line of defense role driving maturity and providing oversight to a dedicated 1st line of defense team.
• Bachelor’s degree in finance, Accounting, Mathematics, Statistics, or Business field preferred.
• Experience in Payments industry.
• Experience analyzing and managing operational, regulatory, legal, fraud, reputation, compliance, strategic, technology and/or transaction risks.
• Experience in building and operationalizing an ERM Foundation, including policy development, assessments, Frameworks, Risk scoring and rating, Standards, Guidance, Training, and Reporting Standards.
• Business/financial acumen, translating risks into quantitative business impact.
• Strong organizational skills with proven ability to collaborate in a global, matrix environment.
• Strong execution skills with the ability to independently work across broad range of stakeholders and topics.
• Excellent communication skills: verbal and written, and executive presence.
• Proficiency in MS Word, Excel, Access, PowerPoint.

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 this position is 145,100 to 273,200 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.