Sr. Analyst

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. Overview Job Description The Acceptance Solutions team is part of the Value-Added Services (VAS) organization and is responsible for enabling and growing acceptance products and services across the CEMEA region. This role will be responsible for leading Visa's acceptance localization strategy and execution across Central and Eastern Europe, Middle East, and Africa (CEMEA. The role will drive the identification, prioritization, and delivery of localization requirements necessary to support domestic payment schemes, national payment infrastructure initiatives, local routing mandates, regulatory requirements, and market-specific acceptance needs. The successful candidate will serve as the CEMEA subject matter expert for card-present acceptance localization and will work closely with regulators, national payment companies, financial institutions, acquirers, processors, merchants, and internal Visa stakeholders to ensure Visa's in-person acceptance capabilities support local market requirements and evolving payment ecosystem needs. This role will partner extensively with Global Product teams, Core Processing and Network teams, Technology teams, Government Engagement, Legal, Risk, and Compliance organizations to assess market requirements, define product and processing enhancements, influence product roadmaps, and drive the delivery of localization initiatives across the acceptance ecosystem. The successful candidate will be responsible for developing regional localization strategies, conducting market and regulatory assessments, translating local requirements into actionable business and technical specifications, supporting client engagements, and ensuring successful deployment of localized acceptance capabilities across CEMEA markets. This position would be ideal for a candidate with extensive experience in merchant acquiring, payment acceptance, payment processing, domestic payment schemes, regulatory programs, or in-person payments product management. The role is part of the hub team covering the CEMEA region and will report to the Acceptance Solutions Lead within the VAS organization. Key Responsibilities • Be the Subject Matter Expert (SME) for in-person acceptance localization across CEMEA, covering merchant acquiring, acceptance infrastructure, card-present payments, domestic payment schemes, and local routing initiatives. • Lead Visa's regional strategy for localization of in-person acceptance capabilities to address regulatory requirements, domestic payment scheme mandates, and national payment infrastructure initiatives. • Analyze and translate regulatory, market, and domestic scheme requirements into clearly documented business, operational, and technical requirements. • Partner with regulators, central banks, national payment companies, and government stakeholders to understand evolving payment ecosystem requirements and represent Visa's acceptance capabilities. • Work closely with Government Engagement, Legal, Risk, Compliance, and Regional Product teams to assess the impact of local payment requirements and define Visa's response strategy. • Collaborate with Global Product, Technology, Acceptance Solutions, and Core Processing teams to build business cases, prioritize market requirements, and drive product roadmap enhancements. • Partner with VisaNet, network processing, and core processing teams to evaluate technical implications of localization initiatives and identify scalable implementation approaches. • Drive end-to-end execution of localization initiatives including requirements gathering, impact assessments, stakeholder alignment, business case development, delivery tracking, testing, certification support, and market readiness activities. • Support domestic payment scheme enablement initiatives, including co-badging programs, local routing, domestic acceptance mandates, and national payment infrastructure projects. • Assess acquiring, processing, and acceptance ecosystem readiness to support market-specific payment requirements. • Engage with acquirers, processors, payment service providers (PSPs), payment facilitators, terminal vendors, merchants, fintechs, and ecosystem participants to understand implementation challenges and support deployment readiness. • Identify product gaps and regional customization requirements and work with global teams to prioritize and deliver solutions addressing local market needs. • Develop market assessments, strategy recommendations, and executive-level updates to support regional and global decision-making. • Be responsible for annual planning activities for localization initiatives, including KPI setting, strategic priorities, delivery objectives, and cross-functional alignment. • Monitor progress of localization programs and provide regular updates to senior leadership on market readiness, implementation status, risks, and dependencies. • Represent Visa at industry forums, regulatory discussions, market working groups, and client engagements related to payment acceptance, domestic schemes, and localization initiatives. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager. Qualifications • Bachelor's degree in Engineering, Computer Science, Information Technology, Business, Finance, or a related field. • 5+ years of experience in payments, merchant acquiring, card-present acceptance, payment processing, fintech, or related industries. • Deep expertise in merchant acquiring, payment acceptance ecosystems, and card-present payment processing. • Proven experience working with financial institutions, acquirers, processors, payment service providers, merchants, fintechs, payment networks, or national payment organizations. • Strong knowledge of card-present payments, including: • EMV chip acceptance • Contactless payments • NFC technologies • SoftPOS / Tap-to-Phone • Android POS • Unattended commerce • Transit acceptance • Mobile wallet acceptance • QR-based acceptance solutions • Strong understanding of payment processing and transaction lifecycles, including authorization, clearing, settlement, routing, switching, and acquiring architectures. • Working knowledge of payment technologies and standards including ISO 8583, EMV specifications, contactless frameworks, tokenization concepts, terminal certification processes, and network routing models. • Demonstrated experience supporting payment localization initiatives, domestic payment schemes, local routing programs, regulatory projects, or national payment infrastructure modernization efforts. • Strong understanding of the payments landscape across GCC and broader CEMEA markets, including domestic schemes, regulatory frameworks, national payment infrastructure, and local rout

Bachelor's degree in Engineering, Computer Science, Information Technology, Business, Finance, or a related field; 5+ years of experience in payments, merchant acquiring, card-present acceptance, payment processing, fintech, or related industries; deep expertise in merchant acquiring, payment acceptance ecosystems, and card-present payment processing; proven experience working with financial institutions, acquirers, processors, payment service providers, merchants, fintechs, payment networks, or national payment organizations; strong knowledge of card-present payments (EMV, contactless, NFC, SoftPOS/Tap-to-Phone, Android POS, unattended, transit, mobile wallet, QR-based acceptance); solid understanding of payment processing and transaction lifecycles and related technologies and standards (ISO 8583, EMV, tokenization, certification, routing).

Be the Subject Matter Expert for in-person acceptance localization across CEMEA (merchant acquiring, acceptance infrastructure, card-present payments, domestic payment schemes, local routing initiatives); lead regional localization strategy to address regulatory requirements and domestic scheme mandates; translate regulatory, market, and domestic scheme requirements into documented business, operational, and technical requirements; partner with regulators, central banks, national payment companies, and government stakeholders; collaborate with Government Engagement, Legal, Risk, Compliance, and Regional Product teams to assess impact of local payment requirements; work with Global Product, Technology, Acceptance Solutions, and Core Processing teams to build business cases, prioritize requirements, and drive roadmap enhancements; engage with VisaNet, network processing, and core processing teams to evaluate technical implications and scalable implementations; drive end-to-end localization initiatives including requirements gathering, impact assessments, stakeholder alignment, business case development, delivery tracking, testing, certification support, and market readiness; support domestic payment scheme enablement initiatives and national payment infrastructure projects; assess ecosystem readiness; engage with acquirers, processors, PSPs, merchants, fintechs, and ecosystem participants to understand deployment challenges; identify gaps and regional customization requirements and prioritize solutions; develop market assessments and executive updates; plan localization initiatives with KPI setting and cross-functional alignment; monitor progress and report to senior leadership; represent Visa at industry forums and client engagements related to payment acceptance and localization.