Executive Summary
Context: Visa completed the acquisition of Featurespace in December 2024, integrating ARIC Risk Hub's AI-native fraud detection into Visa's Risk and Identity Solutions unit. With 259 billion transactions annually and $24B+ in check fraud losses alone, the integration represents a critical evolution in fraud prevention.
My Unique Value: As a VISA Sprint Finalist who built Vis(AI)D for SME protection, I understand Visa's innovation priorities. Combined with my Bank of Ireland fraud pattern detection experience and technical skills demonstrated through winning hackathons, I bring the rare combination of understanding fraud from both sides - detecting it manually and building systems to prevent it.
90-Day Mission: Accelerate ARIC platform integration while maintaining Featurespace's innovation velocity, focusing on three pillars: Integration Excellence, Product Velocity, and Customer Success.
Month 1: Deep Dive & Discovery
Focus: Master ARIC Platform
Understand integration challenges, map stakeholder landscape, identify quick wins
Key Outcome: Integration Roadmap
Month 2: Accelerate & Integrate
Focus: Ship First Features
Launch MVP integrations, optimize team velocity, reduce false positives
Key Outcome: 15% Performance Gain
Month 3: Scale & Own
Focus: Drive Strategic Initiative
Own major feature release, establish metrics framework, present to leadership
Key Outcome: Q2 Strategy Approved
Technical Deep Dive into ARIC Risk Hub
- Adaptive Behavioral Analytics: Shadow engineering team to understand how ARIC profiles 100 billion payment events annually
- Automated Deep Behavioral Networks: Map the ML models detecting fraud patterns - similar to my Bank of Ireland mortgage fraud detection
- Real-time Processing: Understand latency requirements for 259B Visa transactions vs. current ARIC capabilities
- Multi-tenant Architecture: Review ARIC White Label configuration for secure data segregation
Integration Landscape Mapping
- Visa Systems: Map touchpoints with Visa's existing fraud prevention suite
- Data Flow: Document how ARIC will ingest Visa's transaction data (using my SEIC data pipeline experience)
- Customer Impact: Identify which of the 100,000+ businesses need migration support
- Regulatory Requirements: Understand PSD2, PCI-DSS implications for integrated platform
Customer Research Sprint
- Enterprise Clients: Interview 5 HSBC/NatWest stakeholders about ARIC adoption challenges
- SME Segment: Connect with 10 SMEs (leveraging my Vis(AI)D project insights) about fraud pain points
- Check Fraud Focus: Deep dive with 3 US banks on $24B check fraud problem
- Scam Prevention: Analyze ARIC Scam Detect adoption with APP fraud victims
Quick Win Opportunities
- False Positive Reduction: Identify top 5 rules causing unnecessary friction
- Onboarding Acceleration: Map current 3-month implementation to find 30% reduction opportunities
- UI/UX Improvements: Using Figma, design 3 dashboard enhancements for case management
- Complete 20+ customer interviews with documented insights
- Identify 5 quick wins with <30 day implementation
- Map integration dependencies for top 10 enterprise clients
- Establish baseline: Current 3:1 false positive ratio for improvement tracking
🚀 Priority Integration: Visa Token Service + ARIC Behavioral Analytics
Combining Visa's tokenization with ARIC's individual profiling to detect token fraud patterns - a first-in-market capability addressing the rise in digital wallet fraud.
Sprint Deliverables (Using My Agile Experience)
- Epic Creation: Break down integration into 15 user stories with clear acceptance criteria
- API Documentation: Write technical specs for Visa-ARIC data exchange (REST/GraphQL)
- Performance Testing: Ensure <100ms latency at 10,000 TPS (transactions per second)
- MVP Release: Deploy to 5 pilot customers by end of Week 6
Check Fraud Solution Enhancement
- OrboGraph Integration: Optimize image forensics partnership for check washing detection
- Pattern Library: Build repository of 50+ fraud patterns from my Bank of Ireland experience
- A/B Testing: Run experiments on detection threshold optimization
Agile Process Implementation
- Sprint Cadence: Establish 2-week sprints with clear velocity metrics
- Daily Standups: Implement cross-team standups (Cambridge + San Francisco)
- Backlog Grooming: Prioritize 100+ integration tasks using RICE framework
- Retrospectives: Facilitate bi-weekly retros focusing on integration friction
Cloud Migration Acceleration
- AWS Architecture: Design multi-region deployment for global redundancy
- Kubernetes Orchestration: Implement auto-scaling for demand spikes
- Cost Optimization: Identify 20% infrastructure savings through efficient resource allocation
- Team velocity increased by 25% (story points per sprint)
- Integration deployment time reduced from 3 months to 6 weeks
- Cloud infrastructure costs optimized by 20%
- Customer satisfaction score improved to 4.5/5
🎯 Strategic Initiative: "ARIC Shield for SMEs"
Vision: Democratize enterprise-grade fraud protection for 30M+ SMEs globally
Personal Connection: Building on my Vis(AI)D project insights about SME vulnerability
Target Market: SMEs processing <$10M annually, currently unprotected or using basic rules
Product Strategy & Roadmap
- Tiered Offering: Design 3 tiers - Starter ($99/mo), Growth ($499/mo), Scale ($2499/mo)
- Self-Service Onboarding: Build wizard reducing setup from 3 months to 3 hours
- Pre-trained Models: Package industry-specific models (retail, hospitality, e-commerce)
- Visa Network Effect: Leverage Visa's 100M+ merchant relationships for distribution
Technical Implementation
- Simplified API: Create RESTful API requiring only 5 endpoints vs. current 50+
- No-Code Dashboard: Build Zapier/Make.com integrations for non-technical users
- Real-time Alerts: Implement WhatsApp/SMS notifications for fraud attempts
- Behavioral Learning: Start protection immediately, improve accuracy over 30 days
Metrics Framework & Performance Dashboard
- North Star Metric: Fraud losses prevented per $1M processed (target: <$100)
- Operational Metrics: Time to detection (<50ms), False positive ratio (<2:1)
- Customer Metrics: Implementation time (<30 days), NPS (>70)
- Business Metrics: Revenue per customer, Churn rate (<5%), LTV/CAC (>3)
Q2 Strategic Roadmap
- Expansion: Launch ARIC in 5 new markets (focusing on APAC growth)
- Innovation: Develop GenAI features for fraud explanation and prevention recommendations
- Partnerships: Integrate with 10 major PSPs (Payment Service Providers)
- Platform Evolution: Build marketplace for fraud intelligence sharing between institutions
Risk Mitigation Strategy
Challenge: Merging ARIC with Visa's systems without disrupting 259B annual transactions
Mitigation: Implement gradual rollout with canary deployments, maintain parallel systems for 6 months
My Experience: Managed $1.5B AUM at SEIC with zero downtime during system migrations
Challenge: Maintaining Featurespace's innovation culture within Visa's corporate structure
Mitigation: Preserve Cambridge team autonomy, implement "Innovation Fridays" for experimentation
My Experience: Successfully bridged startup/corporate cultures during UN Global Compact project
Challenge: Preventing churn during platform migration (currently 0% churn rate)
Mitigation: Assign dedicated success managers, offer migration incentives, guarantee no service disruption
My Experience: Maintained 40+ investor relationships at SEIC during major operational changes
Challenge: Accumulating technical debt while racing to integrate
Mitigation: Allocate 20% of sprint capacity to refactoring, implement automated testing from Day 1
My Experience: Built maintainable systems in 5-day hackathons that scaled beyond MVP
90-Day Success Metrics
Month 1 Targets:
- ✓ Complete technical assessment of ARIC platform with 50+ page documentation
- ✓ Interview 20+ customers across enterprise, SME, and financial institution segments
- ✓ Identify 5 integration quick wins implementable within 30 days
- ✓ Establish baseline metrics for all KPIs
Month 2 Targets:
- ✓ Ship first Visa-ARIC integration feature to 5+ pilot customers
- ✓ Reduce false positive ratio from 3:1 to 2.5:1
- ✓ Increase sprint velocity by 25%
- ✓ Complete cloud migration plan with 20% cost savings identified
Month 3 Targets:
- ✓ Own and deliver SME Protection Suite PRD with $50M revenue projection
- ✓ Present Q2 strategic roadmap to Visa leadership with full buy-in
- ✓ Achieve 4.5/5 customer satisfaction score
- ✓ Establish myself as go-to Product Owner for ARIC platform evolution
Why I'm Uniquely Positioned for This Role
1. Direct Visa Experience + Fraud Detection Background
As a VISA Sprint Finalist, I've already demonstrated my ability to build solutions that Visa's innovation team values. My Vis(AI)D project focused on protecting SMEs - exactly the market segment where ARIC can expand. Combined with detecting fraud patterns at Bank of Ireland that saved €2M+, I understand both sides of the equation.
2. Technical Depth with Business Acumen
My 92% accurate sentiment analyzer uses similar ML techniques to ARIC's behavioral analytics. But I also managed $1.5B at SEIC, so I understand the business impact of false positives and the importance of balancing security with customer experience.
3. Integration Experience at Scale
During Bank of Ireland's KBC acquisition, I managed the integration of thousands of mortgage files while maintaining compliance and detecting fraud. I know how to handle complex integrations without dropping the ball.
4. Proven Sprint Velocity
Won hackathons, delivered for UN Global Compact, pitched to Visa - I consistently deliver under pressure. Give me 90 days, and I'll show you what 3 years of impact looks like.