Senior Manager-3

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 We are seeking a Risk Manager to support the implementation of collateral arrangements with Acquirers, as well as the ongoing monitoring of related financial and operational risk controls, contributing to the robustness of the company’s risk mitigation processes. This professional will be responsible for monitoring the sufficiency, formalization, and validity of guarantees; supporting contract management; preparing management reports and presentations; and ensuring an efficient flow of information with clients and internal teams. The position requires an analytical mindset, strong organizational skills, the ability to interact with multiple stakeholders, and the capability to transform information into analyses and executive materials that support decision-making. Essential Functions: Implement collateral structures with clients in accordance with applicable rules, analyzing the characteristics and vulnerabilities of each business model while focusing on relevant aspects for risk mitigation within the payment scheme. Monitor collateral structures linked to clients and counterparties, statements/systems, tracking sufficiency, eligibility, maturity dates, formalization, and adherence to internal policies. Control and monitor collateral agreements, ensuring they are up to date, properly formalized, and compliant with regulatory and internal requirements. Manage the collateral lifecycle, including creation, renewal, replacement, reinforcement, release, and enforcement, when applicable. Prepare periodic reports and management presentations with risk indicators, guarantee positions, relevant exposures, maturity dates, and key areas of attention to support governance and decision-making. Consolidate and analyze financial and operational information to identify potential risk deterioration, needs for additional collateral, or deviations from defined parameters. Maintain the flow of information with clients by submitting requests, following up, and collecting documents, collateral, and other information required for the monitoring process. Interact with internal areas such as Risk, Sales, Legal, Compliance, Operations, and Finance to align information, address contractual matters, and implement mitigating actions. Support the development and maintenance of controls, dashboards, and monitoring indicators, contributing to a preventive and structured view of the portfolio. Monitor exceptions, breaches, and risk events, proposing action plans and escalation when necessary. Contribute to the enhancement of policies, procedures, and processes related to risk and collateral management. Support internal and external audits, as well as regulatory requests, by organizing information and evidence related to contracts and guarantee structures. 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 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 Bachelor’s degree in Finance, Economics, Accounting, Risk Management, Engineering or a related field. Previous experience in credit risk, financial risk, guarantee controls, structured transactions, credit back office, or related areas. Proficiency in the use of Artificial Intelligence (AI) and digital tools to increase productivity, support analyses, review information, structure presentations, and optimize recurring activities. Strong understanding of settlement risk, exposure management, and risk mitigation tools. Experience working with Acquirers or Payment Facilitator Strong analytical skills, attention to detail, and control mindset. Excellent communication skills and ability to manage multiple stakeholders across regions. Knowledge of collateral monitoring, document analysis, and contract management. Experience interacting with clients and internal teams to follow up on pending items and manage information flows. Proficiency in Microsoft Office, especially Excel and PowerPoint. Ability and willingness to take initiative on new projects and work well in a team environment Experience in Issuer, Acquirer, Processor or Register companies. Knowledge of the four-party model. Knowledge of collateral instruments such as bonds, receivables, escrow accounts, or other financial collateral. Experience with risk control, contract, or collateral management systems. Knowledge of regulations applicable to the financial and payments environment. Be analytical, organized, accurate and detail-oriented with fact-based discipline Fluent, both written and verbal, in Portuguese and English. 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.