Director, Global Payment Network SME
Infinitive · McLean, VA · 5 mo ago
On-siteEducation$140k–$210k/yrFull-time
Core Responsibilities
- Payment Network Architecture & Strategy
- Scheme Mastery: Serve as the primary authority on Visa (V), Mastercard (MA), and American Express (AMEX) operating regulations and technical specifications.
- Network Optimization: Optimize interchange, scheme fees, and processing routes while ensuring 100% adherence to global network mandates.
- Tech Integration: Advise on the implementation of 3D Secure (3DS), tokenization (VTS/MDES), and dispute management workflows (Visa Claims Resolution/Mastercard Collaboration).
- Risk Office Design & Implementation
- Establish the Framework: Define the Risk Office’s charter, governance structure, and reporting lines to ensure independent oversight of the payments ecosystem.
- Policy Development: Author and implement comprehensive risk policies covering Operational, Credit, Fraud, and Counterparty Risk specific to high-volume card-not-present (CNP) and card-present environments.
- Monitoring & Tooling: Identify and deploy real-time fraud monitoring and automated risk-scoring engines tailored to scheme-specific data elements.
- Risk Office Leadership
- Regulatory Oversight: Lead the Risk Office in ensuring all network integrations meet the highest security standards.
- Regulatory Liaison: Manage relationships with network auditors and regulatory bodies to ensure the network remains in good standing across all jurisdictions.
- 10+ years in global payments, with at least 5 years focused on Visa, Mastercard, and/or AMEX network operations.
- Proven Track Record: Successfully "stood up" a Risk Office, Center of Excellence, or similar governance body in a fintech, merchant acquiring, or Tier-1 banking environment.
- Scheme Navigation: Deep experience navigating the Visa Core Rules, Mastercard Consolidated Rules, and AMEX Merchant Operating Guides.
- Mastery of Chargeback/Dispute Management lifecycles and mitigation strategies.
- Expertise in Three Lines of Defense (3LoD) risk models within a card-payment context.
- Ability to translate complex network mandates into actionable technical product requirements.
- Certifications such as CRMP, CAMS, or specific network certifications.
- Experience with ISO 20022 and the convergence of card schemes with real-time payment (RTP) rails.
- Advanced degree in Finance, Economics, or a related technical field.