Risk Management Manager

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

This Manager position will support the Regulatory and Risk Governance (RRG) team on corporate risk governance and regulatory risk matters in Brazil within the Latin America and the Caribbean Region (LAC). Reporting directly to the Senior Director of Regulatory and Risk Governance, this role serves as the architect of a scalable, AI-enabled governance capability that modernizes how risk is identified, measured, prioritized, reported, and acted upon across the enterprise and product portfolio.

The Manager is responsible for building and operating a modern risk governance program that transforms governance from a primarily compliance-focused function into a fast, intelligent, and risk-based engine for the business. The role will leverage data, automation, analytics, and the responsible application of artificial intelligence to create a single authoritative view of risk, reduce operational friction, accelerate decision-making, and ensure governance operates at the speed and scale of the business. This manager will be responsible for implementing and monitoring compliance with governance requirements define by the Central Bank of Brazil applicable to any Visa subsidiary, especially in its role as Scheme Owner.

This role partners closely with Legal, Compliance, Risk, Government Affairs, Product, Management, Finance, Internal Controls, and executive leadership to embed risk-based governance into how the organization plans, builds, and operates. This is a transformational role for a builder—someone who can challenge legacy governance, risk, and compliance models, simplify complexity, and deliver board-ready insights that clearly articulate business impact, financial exposure, and strategic trade-offs. The Manager will create a program that is defensible, measurable, portfolio-driven, and future-ready, enabling enterprise resilience, product innovation, regulatory confidence, and informed risk ownership. Responsibilities:

• Serve as a trusted risk business partner to business units and functional leaders, collaborating on product roadmaps, strategic initiatives, and market priorities to identify risk assessments, governance requirements, and supervisory considerations needed to support growth in Brazil.
• Build, operate, and continuously enhance a modern corporate and risk governance program for Brazil, integrating enterprise risk management, operational risk, internal controls, supervisory risk management, and regulatory support into a cohesive framework.
• Lead second line of defense oversight of corporate risk management programs and provide constructive challenge to strengthen control design, control effectiveness, and risk mitigation across key processes, products, and regulated activities.
• Design and implement scalable governance processes that identify, measure, prioritize, report, and escalate risks using data-driven methodologies, meaningful metrics, and portfolio-based views of exposure.
• Develop and maintain a single, authoritative view of risk by leveraging data, analytics, automation, and AI-enabled reporting solutions to improve transparency, decision-making, and accountability.
• Find opportunities to automate risk and regulatory reporting, improve self-service capabilities, and streamline workflows to increase quality, consistency, and timeliness of reporting and management information.
• Develop, deploy, and maintain reporting and analytical solutions that support executive reporting, committee materials, board-ready insights, and management dashboards related to risk governance, supervisory matters, and regulatory obligations.
• Manage the framework for identifying, monitoring, and responding to supervisory requirements, regulatory obligations, reporting commitments, inquiries, examinations, and audits involving Brazilian authorities and other relevant stakeholders.
• Ensure regulatory requests and supervisory matters are addressed in a timely, accurate, and consistent manner, with clear documentation, traceability, and defensible governance records.
• Maintain repositories of regulatory obligations, supervisory engagements, risk decisions, governance artifacts, and related documentation used to respond to regulatory inquiries, consultations, and internal governance needs.
• Support the implementation and maturation of local risk management and internal control frameworks to ensure compliance with applicable Brazilian regulatory requirements, while also identifying where stronger action is needed beyond minimum compliance standards to protect the business from financial, reputational, operational, or systemic risk.
• Partner with Legal, Compliance, Government Affairs, Finance, Internal Audit, Product, and business leadership to embed risk-based governance into planning, execution, change initiatives, and operating rhythms.
• Support license-related activities, regulatory change management, and supervisory engagement strategies, primarily  related to risk governance  needed to secure, maintain, or renew authorizations required to operate in Brazil.
• Lead or coordinate cross-functional programs and projects that strengthen governance capabilities, modernize risk processes, and improve oversight effectiveness across Brazil and the region.
• Drive process enhancement initiatives that simplify complexity, reduce manual effort, improve data quality, and increase the speed and scalability of governance activities.
• Use management information, metrics, and analysis to inform business decision-making, measure progress against goals, and clearly communicate business impact, financial exposure, and strategic trade-offs to senior management and governance forums.
• Support risk committees and governance forums by identifying key topics for escalation, preparing materials, and providing clear, decision-useful reporting to senior leadership.
• Prepare communications, presentations, training materials, and executive updates related to corporate risk governance, supervisory management, and regulatory developments in Brazil.
• Monitor regulatory, market, competitive, and technological developments affecting the payments ecosystem in Brazil and translate them into actionable governance and risk management implications for the business.
• Promote an AI-first mindset and responsible AI adoption within governance activities, including the use of intelligent tools to improve insights, trend analysis, reporting quality, early warning capabilities, and operational efficiency.
• Champion a strong risk culture by building awareness, accountability, and practical ownership of risk across stakeholders, while enabling the business to move faster with informed and appropriately governed decisions.
• In addition to the primary responsibilities, support broader RRG, corporate risk, and regulatory workstreams as needed.

Qualifications

Basic Qualifications:

• 5 or more years of relevant work experience with a Bachelor's Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD

Preferred Qualifications:

• 6 or more years of work experience with a Bachelor's Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or up to 3 years of relevant experience with a PhD
• Bachelor’s degree or equivalent in Business Administration, Finance, Risk Management, Engineering, Law, or a related field.
• 5+ years of relevant experience in corporate risk governance, risk management, compliance, audit, regulatory management, legal, internal controls, or related areas.
• Experience managing regulatory relationships directly or indirectly, preferably in Brazil and within the payments, financial services, banking, or regulated technology sectors.
• Strong understanding of current and emerging payment system regulation, supervisory expectations, and risk management requirements in Brazil; broader LAC knowledge is a plus.
• Experience preparing, reviewing, and delivering executive-level communications, governance reporting, and materials for senior management, committees, or boards.
• Demonstrated experience coordinating cross-functional teams to execute risk, regulatory, governance, or control-related programs and initiatives.
• Strong project management experience, with the ability to lead multiple initiatives simultaneously, manage dependencies, and drive execution in a fast-paced environment.
• Experience leading process enhancement, transformation, or operating model improvement efforts that simplify complexity and increase effectiveness.
• Experience developing, transforming, or delivering data strategies, reporting capabilities, analytics solutions, automation, or emerging platform features that enable governance and risk insights.
• AI-first mindset, including experience or demonstrated ability to apply automation, analytics, and responsible AI to improve processes, reporting, and decision support.
• Understanding operational risk, internal controls, risk and control self-assessments, issues and events management, and governance committee practices.
• Experience in payments, banking, fintech, or related segments, or strong knowledge of payment products, operating models, and associated risks.
• Fluency in spoken and written English and Portuguese; Spanish is a plus.
• Strong proficiency with Microsoft PowerPoint, Excel, Word, and Outlook; experience with analytics and visualization tools is preferred.
• Success Factors / Desired Attributes
• Positive, proactive, and solution-oriented, with a builder mentality and a strong drive to challenge legacy approaches and deliver practical improvements.
• Strategic thinker with strong execution skills and the ability to translate ambiguity into structured, measurable outcomes.
• High integrity and sound judgment, with a strong commitment to ethical conduct and defensible governance practices.
• Strong communication, collaboration, and influence skills, with the ability to work effectively across a global, matrixed organization and engage senior stakeholders confidently.
• Ability to balance regulatory expectations, business objectives, and risk management principles to support resilient and responsible growth.
• Curious, analytical, and forward-thinking, with a passion for continuous learning, emerging technologies, and the next generation of governance capabilities.
• Highly organized and structured, with strong attention to detail and a disciplined approach to documentation, follow-through, and quality.
• Able to manage multiple initiatives at once while maintaining clear priorities and composure under pressure.
• Skilled at building strong cross-functional partnerships and fostering accountability, ownership, and risk awareness across the business.
• Effective at simplifying complex issues and communicating them clearly for different audiences, including executives, committees, and regulators.
• Committed to continuous improvement, operational excellence, and the responsible use of AI and data to improve governance effectiveness.
• A collaborative team player who can coach, guide, and influence others while driving results.

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.