Digital Payment Risk Leader

Viamericas, a leading global financial services company, is rapidly expanding their digital payments footprint and seeking a Digital Payments Risk Leader. The candidate will be responsible for identifying, assessing, and mitigating potential risks associated with digital payment transactions, including fraud, chargebacks, data breaches, and regulatory noncompliance, by developing and implementing robust risk management strategies across a company's digital payment platforms, collaborating with cross-functional teams like product, information technology, information security, legal, and compliance to ensure secure and compliant payment processing.

Duties and responsibilities

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• Fraud Mitigation Strategies:
• Implement advanced fraud detection tools and algorithms to identify suspicious transactions.
• Manage chargeback dispute processes and work to minimize chargeback losses.
• Collaborate with security teams to address potential vulnerabilities in card, ACH and other electronic payment systems.
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• Risk Assessment and Monitoring:
• Conduct regular risk assessments of digital payment systems to identify potential vulnerabilities and emerging threats.
• Monitor transaction data to detect fraudulent activity and patterns.
• Track key risk metrics such as chargeback rates, fraud losses, and customer disputes.
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• Policy Development and Implementation:
• Develop and maintain comprehensive digital payments risk management policies and procedures.
• Establish clear guidelines for customer verification, transaction monitoring, and fraud prevention.
• Ensure compliance with relevant regulations and industry standards (PCI DSS, KYC/AML).
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• New Product Evaluation:
• Review and assess the risk profile of new digital payment products and features before launch.
• Identify potential risks associated with emerging payment technologies.
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• Stakeholder Management:
• Communicate risk insights and mitigation plans to senior management and cross-functional teams.
• Collaborate with information technology, information security, legal, compliance, and product teams to address risk concerns.
• Partner with external vendors and payment processors to manage risk effectively.

Information Security Responsibilities

• Read, acknowledge and comply with Viamericas Staff Information Security Policy via the Information Security training portal. This should be done within 30 days of hire and repeated annually.
• Attend periodic Information Security training provided by Viamericas.
• Report any event that might be an Information Security Incident: clicked on a malicious link, downloaded and opened a suspicious file, etc.

Qualifications

• Bachelor's degree in finance, business administration, or a related field. 
• 5+ years of experience in credit risk, payment products, strategy or process transformation within financial services. 
• Strong understanding of digital payment systems and technologies. 
• Expertise in fraud detection methods and risk mitigation strategies. 
• Knowledge of relevant regulations and compliance requirements. 
• Data analysis skills to interpret transaction data and identify trends. 
• Excellent communication and collaboration skills to work with cross-functional teams. 
• Ability to work independently and demonstrate leadership skills, capable of using data and critical thinking to make real-time decisions. 
• Excellent organizational and project management skills; able to manage competing priorities under tight deadlines. 
• High degree of initiative, self-direction and ability to work well under pressure.
• Strong Microsoft PowerPoint and Excel skills.

Working Conditions

• This position will be full-time remote (from home). Frequent travel (foreign and domestic) is required.