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 As the Risk Advisor for Lloyds Banking Group (LBG), you will be central to developing and delivering on the risk strategy, integration and deployment plan for tailored Visa Risk capabilities that enable Lloyds Banking Group to improve risk and fraud mitigation capabilities: Inform development and execution of a comprehensive risk plan that is consistent with local market landscape, client priorities and risk strategy. Under the direction of the respective Head of Risk Advisory, Europe, the role has the lead responsibility for payments fraud prevention, management of fraud, security and risk in the external Visa and LBG payment infrastructure Support both internal and external LBG risk management programs Develop and Lead Visa’s risk strategy with LBG operational and fraud prevention teams Promote & support LBG adoption of Visa risk products / solutions / initiatives Lead and Manage Risk relationships with LBG to: Identify opportunities to enhance the LBG payment ecosystem and advance risk management best practice. Lead the constructive relationship with LBG on Risk Serve as lead point of contact for LBG fraud & data breach events Develop and deliver LBG stakeholder training Coordinate engagement with LBG, the Visa account team, and Europe Risk Advisory leadership Create a LBG engagement framework in market Partner with Visa and LBG business and functional teams to foster sound conditions to operate, and create insights on regulatory and supervisory topics for effective business responses Create and deliver regular and ongoing risk-related reporting, metrics and information related to regulatory and supervisory management Develop the responsible innovation initiative by assisting LBG mitigate risks and embrace new technology improvements. Assess and present on emerging/innovation risks and new business models Leverage local insights to contribute to Risk thought leadership Guide LBG through payment innovation complexity Prepare and present reports, briefings, and other written products to update executive Visa and LBG management on risk activities, issues, and opportunities. Convey risk-related trends and developments to LBG leadership team through regular reporting Synthesize marketplace feedback regarding the effectiveness of Visa’s risk management strategy and programs; benchmark Visa’s performance relative to other payment networks and participants. Guide Visa’s proactive risk communications and collaboration across all these stakeholders to advance the safety, security and long-term growth of the Visa and LBG payment system. This role reports to the Vice President, Europe Risk Advisory within Risk Europe Department. The position is in Paddington, London. There may be intermittent travel required as part of the role. The role may split time between Visa and LBG offices What we expect of you, day to day: Visa owns the most recognizable global brand in the financial services industry. Maintaining trust in that brand and differentiating Visa from competitors will be the Risk leader’s key responsibilities. Risk management is emerging as one of the key pillars of Visa’s strategy of Championing Security and Deepening Partnerships. With in-market ownership of this strategy, the Risk Advisor plays a critical role to support the enterprise and operational risk activities of the Visa and it’s clients. This role will be entrusted with a broad portfolio of responsibilities including Strategic Risk Management and Ecosystem Risk (Fraud & Data Security) for LBG. As a key member of the market Risk team, this role will advise Visa’s VP Europe Risk Advisory, the Visa client executive team and hub & global functional leads on strategies related to complex operational, financial, legal and regulatory risk exposures as they relate to LBG. In addition to overseeing Strategic Risk Management, the Risk Advisor will be responsible for supporting the integrity of the LBG payments ecosystem, which includes issuing and acquiring banks, merchants, cardholders, and service providers such as processors, device manufacturers, and payment gateways. In this capacity, this role will work in conjunction with the Visa LBG account teams, Visa Government Engagement, Regulatory Risk team, and other internal and external key stakeholders shaping the payments industry. Key Accountabilities: Ability to develop, coordinate and integrate a codified LBG risk strategy across key stakeholders, to include resource requirements across functions, business impact evaluation and scale capabilities. Lead point of contact for LBG and work cross regionally with key stakeholders such as Global Risk as relevant to execute and communicate a consistent Visa fraud services strategy, both internally and externally to our clients Form key LBG stakeholder relationships to develop an in depth understanding of the current end-to-end risk client lifecycle including onboarding, credit risk and ecosystem risk monitoring. Provide recommendations to tailor the existing client lifecycle to meet specific opportunities for fraud services. Create business development of fraud services strategy/activities/products by being able to articulate current risk control environment, assist in assessing any new risks that may arise from new strategy/activities and consider these in the wider context of the overarching risk appetite Embed fraud services at LBG by working with Data & Analytics to collect and analyse information on the sector, including any noticeable trends, root causes, and potential solutions. Manage awareness of the wider regulatory environment and key external developments for the new payments flow sector including any events that may require legal consideration, reg engagement or a change to Visa Rules. Present reports and proposals to key audiences including LBG executive leadership outlining key progress/trends/findings emerging from due diligence activity on the new payment flows sector Represent Visa on policy changes with the business and industry (where relevant) and incorporate feedback managing internal and external stakeholders (including necessary approval processes) to deliver solutions Support, train and provide strategic direction on fraud services to the LBG team including SME advice on any large-scale customer outreach strategy, complex customer queries and customer facing materials that can be used in educational sessions, bank forums, wider industry and sector audiences as needed. Report Risk Europe Leadership teams when required on relevant risk strategies. The role will also be required to support the following: Innovation objectives that support the sustainable growth of LBG and protect Visa Europe Risk metrics as developed by Risk Europe Liaison with Global Centres of Excellence Visa requires at least 3 days per week in office, expectations of these days will be confirmed by your Hiring Manager. Qualifications Risk Experience Track record for successfully identifying and mitigating enterprise and operational risk for a complex, global company in a regulated industry. Experience protecting consumer and corporate data through the development and implementation of rigorous compliance & rules management processes. Demonstrated approach to risk management contributing to brand and business growth. Strategic and Analytic Skills Understands both at a strategic and operational level the myriad risks facing the business; drives down to root causes to assess the severity of the risk, the cost of remediation, and develops an appropriate action plan. Maintains strong personal base of knowledge with respect to risk management, industry practices, trends, and issues. Collaboration and Communication Works cross-functionally with technology and with business unit heads to deliver insights that drive key business strategies and decisions. Works effectively with clients and external stakeholders – banks, processors, regulators. Proven ability to influence, collaborate, and work in matrix environment. Executing for Results Intellectually curious; finds stories in the data, asks the right questions, demonstrated track record of mining data & intelligence for game-changing insights that generate big impacts. Gets things done; relentlessly focuses on results; aligns efforts with business objectives. People Leadership Provides leadership, sets vision, and motivates a team. Experience developing talent and infusing knowledge and experience across wider organization. Other Exposure and Education Required: Deep global knowledge of the payments industry and the major trends affecting the key stakeholders, including regulatory, market environment, competitive landscape, and technology. Significant relevant leadership experience within technology products, technology solutions, payments, fintech, or related sectors, or within a financial institution that utilizes payment solutions and services. Solid general management background, with proven track record in strategic thinking, financial planning, risk management, relationship building and project leadership. Extensive international experience or work experience in a multinational corporation preferred. 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. If you thrive on rapid growth and enjoy working alongside positive, driven teammates, you’ll feel right at home here. Help us to uplift everyone, everywhere. Whether you’re starting your career, pushing your capabilities or are a seasoned professional, learn how we can partner to reimagine the world. Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match. At Visa, we are driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid. Our evolving technology keeps us at the heart of the digital economy, connecting people to 80+ million businesses worldwide. Backed by a resilient, proven model, our expanding network fuels growth—for Visa and for your career. Your journey starts here — discover how we hire Ready to take the next step? Learn more about life at Visa, explore our hiring process and get first-hand insights by hearing directly from our recruiters about what to expect. Apply with confidence today! Learn our recruiting process

Risk Advisor, Lloyds Account.

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