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 Team Summary Reporting to the Regional Risk Officer, the Payment Ecosystem Risk team is responsible for: * Driving a holistic Asia Pacific strategy to identify, assess and mitigate fraud, scam and cyber threats across the payments ecosystem * Providing proactive and reactive risk engagement to protect clients, consumers and Visa while enabling secure business growth * Leading regional ecosystem risk and threat intelligence, industry engagement and thought leadership to strengthen ecosystem resilience in close collaboration with in-market risk managers to ensure threat intelligence and mitigation translate into coordinated action on the ground What an AP Fraud & Cyber Threats Director does at Visa Reporting to the VP, Payment Ecosystem Risk, the Director will lead Visa’s Asia Pacific approach to identifying, assessing and responding to significant and emerging fraud, scam and cyber threats affecting the payments ecosystem. This high-impact individual contributor role has broad reach across Visa, driving outcomes through close partnership and influence across regional and global teams. The role combines incident response, proactive threat mitigation, payment-focused cyber-threat intelligence, technical product risk advice and external engagement. The role requires close partnership across Risk, Product, Cybersecurity, and Technology in market, AP and Global teams to assess emerging threats, develop risk positions, influence control improvements, and coordinate regional response activities. Key objectives are: * Lead the regional client response to fraud and cyber-enabled payment incidents: build on initial global threat analysis to assess AP impact, develop further intelligence, engage affected clients and markets in close partnership with Risk Managers, and drive resolution with minimal client friction and ecosystem impact. * Translate threat intelligence into preventive action: identify emerging fraud, scam and cyber-enabled vulnerabilities across the payments ecosystem and drive stronger controls, product enhancements, solutions and client guidance. * Embed fraud and cyber-threat controls into products from launch: influence Product teams during product design, Product Risk Reviews, launch readiness and remediation activities by translating fraud, scam, and cyber-threat intelligence into abuse scenarios, control recommendations and client guidance, enabling products to scale securely and with confidence. * Establish Visa’s AP payment-risk approach to cyber threats: build the intelligence-sharing cadence and operating model with Cybersecurity, Technology and Market Risk, ensuring cyber-threat intelligence is consistently translated into payment-ecosystem action. * Strengthen Visa’s external leadership on fraud and cyber threats: represent Visa with clients, regulators and industry stakeholders, providing credible risk expertise and thought leadership that reinforces Visa’s position as a recognized and trusted authority. Why this is important to Visa Fraud, scams and cyber-enabled attacks are becoming faster, more sophisticated and increasingly interconnected, with AI enabling threat actors to scale deception and exploit new vulnerabilities across the payment ecosystem. This role is critical to helping Visa anticipate emerging threats, translate intelligence into proactive action, and strengthen ecosystem defenses while enabling secure innovation and growth. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager. Qualifications What you will need: You are an experienced fraud or cyber-risk leader with at least 10 years of relevant experience and deep, practical knowledge of how payment transactions are processed end to end, including authorization, authentication, clearing and settlement. You can turn threat intelligence into practical action, lead through complex incidents and influence senior internal and external stakeholders. Relevant Industry Exposure * Deep understanding of payment flows and how fraud, scams and cyber threats exploit vulnerabilities across the ecosystem backed by relevant industry experience in technology, payments, or cybersecurity * Proven ability to translate fraud and cyber intelligence into business risks, controls and response actions * Practical experience with payment authentication, EMV chip and contactless transactions, tokenization, digital-payment ecosystems, fraud controls, payment processing and cyber-enabled payment abuse. Exceptional Collaboration and Communication Skills * Proven ability in leading complex, cross-functional initiatives through influence, navigating diverse priorities across Product, Risk, Cybersecurity, and Technology to drive aligned outcomes * Strong communicator who can make complex risks clear and actionable for senior leaders, clients and external stakeholders * Track record of building trusted relationships with clients, regulators, industry partners and internal stakeholders Results-Driven Execution * Strong problem solver with the ability to identify root causes, make sound judgements and develop practical solutions * Hands-on and accountable, with a strong bias for action and ownership through to delivery * Adaptable and resilient, able to navigate ambiguity, shifting priorities and new challenges in a fast-paced environment Global Experience and Education * Demonstrated leadership and hands-on experience working across markets and cultures in a complex multinational environment * Ability to adapt solutions to regional market realities while aligning with global strategies and standards * Undergraduate degree or equivalent relevant professional experience * Professional certifications such as CAMS, CISSP, CISM, GIAC or equivalent payment-security qualifications are valuable but not required Projects you will be a part of: In this role, you will connect fraud and cyber-threat intelligence with client engagement, solutions and stronger payment-ecosystem controls across Asia Pacific. You will partner closely with Regional Risk and in-market Risk Managers across Asia Pacific, combining their deep client and market relationships with your specialist fraud and cyber-threat expertise, intelligence and solutions. As a senior individual contributor, you will connect Market Risk with Global Risk, Cybersecurity, Product and Technology to turn emerging threats into coordinated regional action, stronger controls and consistent client guidance.  As the world's leader in digital payments technology, Visa's mission is to connect the world through the most creative, reliable and secure payment network - enabling individuals, businesses, and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company's dedication to innovation drives the rapid growth of connected commerce on any device, and fuels the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. At Visa, your individuality fits right in. Working here gives you an opportunity to impact the world, invest in your career growth, and be part of an inclusive and diverse workplace. We are a global team of disruptors, trailblazers, innovators and risk-takers who are helping drive economic growth in even the most remote parts of the world, creatively moving the industry forward, and doing meaningful work that brings financial literacy and digital commerce to millions of unbanked and underserved consumers. You're an Individual. We're the team for you. Together, let's transform the way the world pays. 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.