Company Description Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive.

　　When you join Visa, you join a culture of purpose and belonging – where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world – helping unlock financial access to enable the future of money movement.

　　Join Visa: A Network Working for Everyone.

　　Job Description Team Summary

　　The mission of CyberSource Managed Services division is to be the unrivaled advisor for payment-related risk management, and our vision is to be the most valuable partner in lasting client relationships. We are the consultative arm of CyberSource that offers a vast portfolio of solutions to our merchant, partner, and acquirer portfolios.

　　We are passionate about the continued success of our customers and take pride in their accomplishments as a team. We are a data driven team with a collaborative and supportive culture that keeps everyone motivated.

　　What a Senior Risk Solutions Consultant does at Visa:

　　Key Accountabilities and Objectives:

　　The Senior Risk Solutions Consultant will be responsible for guiding Cybersource customers in managing payment-related risks, which include account takeovers, unauthorized payments, and promotion abuse. They will be tasked with developing a comprehensive risk management framework that encompasses risk identification, assessment, mitigation, and monitoring. This role will work close with Cybersource's global key customers to implement these risk management strategies using a combination of Cybersource and industry tools.

　　Another primary objective of this role involves adopting a proactive, data-driven approach to uncover sophisticated fraud patterns, with the aim of enhancing the efficacy of real-time decision-making system. Additionally, the role encompasses the creation of offline supervised and unsupervised models to solve complex and dynamic fraud challenge. The successful candidate will also closely collaborate with the modeling team. The candidate will report to China lead of CyberSource Managed Service and will be part of the China Merchant Sales & Solutions team.

　　Key Responsibilities:

　　·       Consult clients to develop a comprehensive risk management framework related to payments, providing support to merchants within the gaming and live-streaming industry.

　　·       Work with up to 3 strategic clients to help them to manage Cybersource risk management products to prevent payment related fraud.

　　·       Consult clients how to use Visa risk products, taking full control (including configuration) of our fraud, 3DS, and dispute solutions to facilitate customers in accomplishing their business objectives.

　　·       Review existing data analysis processes and functionalities for different payment risks, identify gaps, and provide direction for data analysis capability development for the next 1-2 years, along with specific implementation plans.

　　·       Utilize big data analytics and implement machine learning algorithms to construct offline models, to catch sophisticated fraud schemes to improve real-time decision-making system detection.

　　·       Discover methods for automated learning from our large and occasionally tagged data. Particularly focus on integrating machine learning into new risk management domains.

　　·       Collaborate with other consultants to enhance our data-driven risk management practice, uplift our clients’ risk management performance to a higher level, to drive business revenue growth.

　　Why this is important to Visa

　　This role is pivotal to enhancing our Managed Service offerings in the market. Its contribution is substantial to the enduring success and growth of CyberSource's business.

　　This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.

　　Qualifications What you will need:

　　• Passionate about enable customer business growth and interested in managing payment-related risks.

　　• Strong communication skills, with the ability to write clear and concise reports in both Chinese and English, and the skills to communicate complex concepts and results to customers via phone, email, or face to face engagements in both languages.

　　• Proficient understanding of machine learning and data science methodologies, coupled with practical experience in addressing real-world challenges through robust and rigorous machine learning paradigms.

　　• Proven experience in managing large datasets with tools such as Jupyter, PySpark, and Tensorflow, coupled with the ability to write succinct and clean Python code.

　　• Proven hands-on experience to construct supervised and unsupervised models with clear results that move the needle.

　　• Advanced user for Hive and Presto SQL language, good knowledge of Airflow.

　　• Minimum of 8 years’ data science experience working within payment-related risk team

　　• Creative thinker with a proven ability to innovate through data driven advanced solutions, coupled with a passion for conducting in-depth analysis.

　　• Experience of managing multiple priorities and experienced in effectively managing different needs.

　　• Bachelor or higher degree preferably in Computer Science, Mathematics, or related field.

　　What will also help:

　　• Good knowledge of the transaction process and corresponding risk management rules of card scheme, familiar with digital products including EMV 3DS and Network Token.

　　• Risk management experience across E-Commerce, Gaming and / or Live Streaming would be valuable.

　　• Familiarity with anomaly detection and graph theory is helpful.

　　Projects you will be a part of:

　　• Provide Managed Service to key clients to uplift their payment-related risk management performance, facilitating their business growth and thereby increasing CyberSource's revenue.

　　• Enhance existing risk analysis modules and screening models to improve accuracy, delivering increased value to our clients.

　　• Structure offline date analysis/modeling capacity, combined with our products, risk management expertise, to grow CyberSource’s footprint in Gaming, Live Streaming and/or other industries identified as strategic.

　　• Collaborate with internal product/modeling teams to identify requirements for product enhancement.

　　• Be a key representative CyberSource brand across clients’ industries.

　　Additional Information 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.