Job Description

Our Purpose

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Title and Summary

Vice President Merchant Risk Scoring SolutionsVice President, Merchant Risk Scoring Solutions (AI Network Services)

1) Overview

At Mastercard, we power economies and empower people in 200+ countries and territories worldwide. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible.

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.
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2) Role

In this role, you will define and scale Mastercard’s merchant risk scoring solutions across the global network, leveraging advanced AI/ML, network insights, and ecosystem partnerships to deliver measurable impact.

Key Responsibilities:

Own Product Vision & Strategy:
o Define and manage the long-term vision and roadmap for merchant risk scoring within AI Network Services
o Translate emerging fraud trends (e.g., scams, synthetic merchants, collusive merchants, etc.) into scalable product opportunities

Drive Differentiated Network Value:
o Leverage Mastercard’s proprietary network data to create unique, defensible risk insights and solutions for ecosystem participants (Issuers, Acquirers, Merchants)
o Embed AI-driven scoring into authorization, onboarding, and monitoring customer workflows

Lead Product Development & Innovation:
o 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
o Ensure solutions are scalable, explainable, and compliant across global markets
o Continuously improve model performance through feedback loops and ecosystem data

Commercialization & Client Adoption
o Drive global go-to-market strategy, positioning merchant risk scoring as a core component of Mastercard’s fraud and cyber portfolio
o Partner with Sales, Account Management, and regional teams to accelerate adoption across customer segments
o Articulate clear value propositions tied to reduced fraud losses, improved approval rates, and better customer outcomes

Ecosystem Leadership & Partnerships
o Influence industry standards and best practices in merchant risk and fraud prevention
o Identify build/buy/partner opportunities to accelerate capabilities

“So What” Impact:
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.
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3) All About You

Product & Strategy Leadership
o Proven experience leading complex, data-driven products in payments, fraud, or risk management
o Strong track record of defining vision and delivering commercially successful solutions at scale

Domain Expertise
o Understanding of issuer/acquirer ecosystems and how risk decisions are made across the transaction lifecycle
o Inquisitive personality capable of adapting to trends and circumstances, but challenges the status quo to identify new ways of working
o Strong technical background beneficial

AI & Data Fluency
o Strong familiarity with AI/ML concepts (e.g., predictive modeling, graph analytics, anomaly detection) and their application in fraud and risk
o Ability to translate complex concepts and topics into clear business value and client impact, in a simple manner

Network Mindset
o Appreciation for the power of network-level data and how to translate it into differentiated insights
o Experience leveraging large-scale datasets to drive unique, defensible product capabilities

Commercial & Client Focus
o Ability to articulate compelling value propositions and influence senior stakeholders
o Experience working closely with sales and clients to drive adoption and measurable outcomes; enabling product usage metrics

Leadership & Influence
o Strong cross-functional leadership across product, engineering, data science, and go-to-market teams
o Ability to operate in a highly matrixed, global organization
o Relationship driven – a true team player who continuously places the broader Mastercard needs ahead of personal or business unit needs

Outcome-Oriented Thinking
o Relentless execution and focus on customer needs and tangible impactMastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact reasonable_accommodation@mastercard.com and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard’s security policies and practices;

• Ensure the confidentiality and integrity of the information being accessed;

• Report any suspected information security violation or breach, and

• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.

In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Mastercard benefits for interns generally include: 56 hours of Paid Sick and Safe Time; jury duty leave; and on-site fitness facilities in some locations.

Pay Ranges

Purchase, New York: $235,000 - $375,000 USD