V

Visa

Runs a global network for digital payments

Head of Risk

Full-TimeUpdated on 10/16/2026
No salary listed
Expert
Bachelor's, Master's
Addis Ababa, Ethiopia
HybridRequired office days will be confirmed by the hiring manager.
Finance & BankingRisk Management

About the job

Requirements
  • At least 10 years of relevant experience in international payments, financial services, technology, risk management, fraud, compliance, regulation, cybersecurity, operations, product risk, client advisory, or ecosystem risk roles, with the ability to operate across complex, multi-country markets and stakeholder groups.
  • Practical and strategic exposure to digital payments, including issuing, acquiring, fintech, mobile money, cross-border flows, commercial payments, SME acceptance, transaction monitoring, and emerging payment technologies.
  • Strong payments experience and critical understanding of the evolution of digital payments, including digital acceptance, mobile-first ecosystems, tokenization, new payment technologies, cross-border solutions, money movement, commercial payments, and value-added services.
  • Experience in banking, fintech, mobile money, acquiring, issuing, digital commerce, remittances, commercial payments, merchant risk, operations, technology, or regulatory environments.
  • Ability to identify, evaluate, and mitigate significant payment risks at strategic and operational levels, including fraud, scams, cyber-enabled crime, data compromise, authentication, dispute management, transaction monitoring, AML/sanctions considerations, and ecosystem integrity controls.
  • Hands-on or oversight experience improving the risk posture of issuing, acquiring, merchant, fintech, or third-party entities through control assessment, remediation planning, risk reporting, and sustained stakeholder follow-through.
  • Good understanding of financial institution structures and local payment ecosystems, including issuers, acquirers, processors, fintechs, third-party agents, merchants, regulators, and other ecosystem participants.
  • Experience assessing regulatory impact on business or operations, responding to regulatory inquiries, supporting supervisory engagements, and influencing practical risk-based outcomes.
  • Experience evaluating third-party risk controls, reviewing control reporting, identifying weaknesses in risk control environments, and supporting sustainable remediation.
  • Ability to use data, analytics, market intelligence, and client performance indicators to identify risk patterns, prioritize interventions, monitor outcomes, and communicate actionable insights.
  • Experience advising senior stakeholders, managing difficult executive-level conversations, presenting complex information to non-technical audiences, leading cross-functional initiatives, and influencing results across matrixed organizations and multi-market teams.
  • A degree from a recognized university.
  • Strategic and commercial judgment to balance growth, innovation, control, and reputation.
  • Risk management judgment to make decisions under pressure and translate complex risk issues into practical business actions.
  • Executive communication skills, including concise written updates, persuasive presentations, and clear risk narratives for senior, technical, and non-technical audiences.
  • Ability to drive results with stakeholders, secure buy-in, manage competing priorities, and sustain momentum across clients, internal teams, partners, and regulators.
  • Judgment, resilience, and accountability in ambiguous, fast-moving, or sensitive situations.
  • Analytical, data-driven approach and curiosity about emerging technologies, AI-enabled fraud, new payment rails, and evolving client needs.
  • Ability to cultivate trusted, long-term relationships with internal stakeholders, clients, partners, regulators, law enforcement, and industry bodies.
  • Collaborative leadership style, with the ability to influence without authority, motivate teams, mobilize cross-functional groups, and drive disciplined execution.
Responsibilities
  • Lead end-to-end risk engagement across Eastern Africa with Visa clients, partners, merchants, fintechs, regulators, and internal stakeholders, covering fraud, scams, cybersecurity, data security, ecosystem integrity, credit and settlement risk, third-party risk, regulatory risk, AML/sanctions considerations, emerging technologies, cross-border flows, mobile-first digital payments, and new money movement models.
  • Ensure Visa's external interactions with clients, merchants, regulators, law enforcement, government agencies, mobile money operators, fintechs, and other ecosystem participants across Eastern Africa are informed, constructive, and focused on digital trust, resilience, financial inclusion, and secure growth.
  • Translate market intelligence into actionable insights that influence Visa's strategy, products, policies, controls, and client solutions; partner with business, product, legal, compliance, government engagement, technology, operations, and regional risk teams to embed risk management early in commercial and innovation decisions.
  • Maintain deep understanding of business environments, regulatory expectations, client capabilities, payment flows, fraud typologies, cyber and scam trends, third-party dependencies, and emerging risks across each market.
  • Align risk priorities with Visa's commercial strategy by helping clients, partners, and internal teams grow responsibly, launch safely, and make risk-informed decisions early.
  • Strengthen ecosystem confidence through prevention, monitoring, response, recovery, and control maturity across fraud, scams, data security, cybersecurity, credit and settlement, and operational risk.
  • Engage clients, merchants, fintechs, regulators, law enforcement, government, and internal partners to secure alignment, shape outcomes, and address identified risks.
  • Translate local, regional, and global intelligence into practical insights, risk strategies, client advisory, industry education, and policy engagement.
  • Provide timely marketplace feedback, executive-level updates, risk reporting, escalation, and transparent communication on programs, policies, incidents, and outcomes.
  • Maintain Eastern Africa market intelligence and translate it into cluster-level priorities that protect Visa and enable secure growth.
  • Partner with business, product, and client teams to embed risk assessment in market expansion, product launches, new partnerships, fintech engagement, merchant acquiring, digital acceptance, Visa Pay, mobile money-linked use cases, remittances, commercial payments, and emerging money movement flows; identify practical controls, governance expectations, and remediation pathways.
  • Lead Eastern Africa engagement on fraud prevention, scam disruption, authentication, tokenization, dispute and chargeback trends, account-to-account risks, AI-enabled threats, and customer protection; use data, analytics, and Visa risk capabilities to identify opportunities to improve authorization performance, reduce losses, and strengthen trust.
  • Serve as a risk point of contact for central banks, regulators, government agencies, law enforcement, and industry bodies across the cluster; provide input on policy developments, regulatory inquiries, supervisory engagements, and market initiatives affecting payment security, consumer protection, AML expectations, data integrity, cyber resilience, and financial inclusion.
  • Act as the primary Visa risk advisor to key issuers, acquirers, fintechs, mobile money operators, merchants, and payment ecosystem stakeholders; develop and execute structured engagement plans, executive risk reviews, risk councils, training sessions, and targeted remediation support.
  • Support in-market credit and settlement risk management by monitoring client financial health, settlement exposure, collateral requirements, risk triggers, and escalation needs; partner with regional and global teams on high-risk clients, below-investment-grade exposure, remediation, approvals, and governance.
  • Coordinate timely responses to significant fraud events, data compromise incidents, ecosystem integrity matters, regulatory escalations, and client control failures across the cluster; ensure clear ownership, escalation, communication, lessons learned, and sustainable remediation.
  • Provide concise executive updates, risk dashboards, marketplace feedback, and issue reporting to internal stakeholders; align cluster priorities with Visa policies, programs, audit expectations, enterprise risk management frameworks, and Sub-Saharan Africa regional objectives.
  • Manage assigned budgets, resources, and stakeholder commitments under the guidance of the Head of Risk for Sub-Saharan Africa, with a matrix relationship to the relevant Eastern Africa Cluster or Country Manager.
Desired Qualifications
  • Eastern Africa market experience, emerging-market payments exposure, or experience working with mobile-first digital payment ecosystems.
  • Experience with underwriting, client due diligence, merchant or SME onboarding, portfolio risk management, credit lifecycle risk, commercial lending, or acquiring risk.
  • Post-graduate qualifications.

About the company

Visa runs a global payment network that connects banks, merchants and consumers so card purchases and money transfers move between financial institutions. Its VisaNet system handles authorization, clearing and settlement, linking the bank behind a buyer's card with the bank that accepts a merchant's payment. The company earns fees from payment activity, transaction processing and international transactions, and sells fraud prevention tools, payment software and consulting services to businesses. Banks and other partners issue Visa branded cards and use its technology to build their own payment products. Visa traces its roots to a Bank of America card program launched in 1958 and is headquartered in San Francisco.

Company Size

10,001+

Company Stage

N/A

Total Funding

$9.6M

Headquarters

San Francisco, California

Founded

1958

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Simplify's Take

What believers are saying

  • Visa demand keeps growing: July 2026 results showed quarterly revenue up 14% to $11.6 billion.
  • Advisory staff get structured training: Visa University has over 50 learning modules for its consulting and analytics teams.
  • Visa is capturing stablecoin activity: September 2026 settlement volume exceeded a $20 billion annualized run rate.

What critics are saying

  • Visa must pay partners more: July 2026 results showed client incentives up 18%, faster than revenue.
  • Visa faces pressure on its debit contracts: the Justice Department seeks restrictions on alleged anticompetitive practices.
  • Technology and product jobs face cuts: Visa announced about 2,600 planned layoffs in July 2026.

What makes Visa unique

  • Visa reaches everyday checkout at scale: its cards are accepted at over 175 million merchant locations.
  • Visa avoids consumer lending exposure: it bears no cardholder credit risk.
  • Visa Direct extends beyond cards: it reaches approximately 12 billion bank account, wallet and card endpoints.

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Benefits

  • Health Insurance.
  • Life Insurance.
  • Dental Insurance.
  • Disability Insurance.
  • Accidental Death & Dismemberment Insurance.

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