Vice President of Merchant Risk Scoring Solutions Job New York New York USA,IT/Tech

Location: New York

The AI Network Services team sits within the Fraud and Decisioning group of Security Solutions Organization—leveraging global-scale data, advanced AI, and real-time decisioning to deliver smarter risk management intelligence
As Vice President, Merchant Risk Scoring Solutions, you will lead the strategy, development, and commercialization of next-generation merchant risk capabilities—transforming how the ecosystem identifies, detects, and mitigates merchant-level fraud and scams at scale
This role is critical to advancing Mastercard’s leadership in network intelligence, enabling safer payments while supporting merchant growth and financial inclusion
Define and manage the long-term vision and roadmap for merchant risk scoring within AI Network Services
Translate emerging fraud trends (e.g., scams, synthetic merchants, collusive merchants, etc.) into scalable product opportunities
Leverage Mastercard’s proprietary network data to create unique, defensible risk insights and solutions for ecosystem participants (Issuers, Acquirers, Merchants)
Embed AI-driven scoring into authorization, onboarding, and monitoring customer workflows
Partner with data science and engineering teams to develop advanced models (e.g., graph-based risk scoring, behavioral models, anomaly detection) to achieve desired outcomes
Ensure solutions are scalable, explainable, and compliant across global markets
Continuously improve model performance through feedback loops and ecosystem data
Drive global go-to-market strategy, positioning merchant risk scoring as a core component of Mastercard’s fraud and cyber portfolio
Partner with Sales, Account Management, and regional teams to accelerate adoption across customer segments
Articulate clear value propositions tied to reduced fraud losses, improved approval rates, and better customer outcomes
Influence industry standards and best practices in merchant risk and fraud prevention
Identify build/buy/partner opportunities to accelerate capabilities
You will directly shape how risk is understood and managed at the merchant level across the global payments ecosystem—reducing fraud and scams, improving trust in digital commerce, and unlocking sustainable growth for clients

Benefits

Gym membership
Pension plan
Share purchase options
Extra holiday purchase optional
25 days holiday(excl. bank holidays)
Work from home opportunities
Health insurance

Qualifications

Proven experience leading complex, data-driven products in payments, fraud, or risk management
Strong track record of defining vision and delivering commercially successful solutions at scale
Understanding of issuer/acquirer ecosystems and how risk decisions are made across the transaction lifecycle
Inquisitive personality capable of adapting to trends and circumstances, but challenges the status quo to identify new ways of working
Strong technical background beneficial
Strong familiarity with AI/ML concepts (e.g., predictive modeling, graph analytics, anomaly detection) and their application in fraud and risk
Ability to translate complex concepts and topics into clear business value and client impact, in a simple manner
Appreciation for the power of network-level data and how to translate it into differentiated insights
Experience leveraging large-scale datasets to drive unique, defensible product capabilities
Ability to articulate compelling value propositions and influence senior stakeholders
Experience working closely with sales and clients to drive adoption and measurable outcomes; enabling product usage metrics
Strong cross-functional leadership across product, engineering, data science, and go-to-market teams
Ability to operate in a highly matrixed, global organization
Relationship driven – a true team player who continuously places the broader Mastercard needs ahead of personal or business unit needs
Outcome-Oriented Thinking. Relentless execution and focus on customer needs and tangible impact

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