Licensing Consultant - North America Client Licensing team

Visa•Miami, FL

9h•Hybrid

About The Position

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. This role is part of the North America Client Licensing team and is responsible for managing U.S. client licensing activities, with primary ownership of the Visa Direct Cross-Border Originator Program from a licensing and regulatory standpoint. The Licensing Consultant independently manages end-to-end licensing workflows for Visa Direct Cross-Border Originators, including application intake, regulatory validation, stakeholder coordination, system updates, and final approvals. In addition, the role supports other U.S.-based client licensing applications, mergers, acquisitions, and portfolio restructures. This position requires strong regulatory judgment, attention to detail, and the ability to manage moderately complex licensing scenarios with minimal oversight while operating in a controlled, audit-sensitive environment. This is a hybrid position. Expectation of days in the office will be confirmed by your Hiring Manager.

Requirements

5 or more years of relevant work experience with a Bachelors Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD
Strong understanding of U.S. regulatory concepts, including Money Services Businesses (MSBs) and Money Transmitter Licenses (MTLs).
Demonstrated ability to manage end-to-end application or approval workflows independently.
Strong analytical and decision-making skills with sound judgment on escalation.
Excellent written and verbal communication skills.
Ability to manage multiple workstreams in a fast-paced environment.
Proficiency in Microsoft Office (Outlook, Excel, PowerPoint).

Nice To Haves

6 or more years of work experience with a Bachelors Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or up to 3 years of relevant experience with a PhD
Bachelor’s degree or equivalent professional experience required. Typically 5–8 years of experience in payments, financial services, licensing, compliance, or operational roles.
Experience with case management or workflow tools (e.g., Dynamics, OneCRM, JIRA) preferred.
Familiarity with Visa systems (e.g., VCIS, licensing or numerics tools) is a plus.
Individual contributor role with significant ownership and accountability.
Role is focused on North America, with primary emphasis on U.S.-based clients.
Minimal travel required.

Responsibilities

Own the end-to-end U.S. licensing process for Visa Direct Cross-Border Originator participants.
Review and validate application submissions for completeness and compliance with Visa Rules and program requirements.
Independently verify Money Transmitter Licenses (MTLs) across U.S. states using NMLS and state regulatory resources.
Track licensing validation, approvals, and supporting documentation in accordance with audit and control requirements.
Coordinate and manage internal reviews with AML, Risk, Customer Support, Legal, and other stakeholders.
Ensure required agreements are executed, countersigned, and properly recorded prior to final approval.
Create, update, and maintain Business IDs (BIDs), business classes, and licenses in Visa systems.
Communicate application status, approvals, and next steps to internal partners.
Manage U.S. client licensing applications, including new entities, license updates, and sponsorship-related changes.
Support mergers, acquisitions, and portfolio restructures by analyzing existing licensing and numerics and executing required updates.
Administer BINs and other numeric identifiers requiring independent analysis and judgment.
Partner with cross-functional teams to identify and address licensing impacts related to client changes.
Represent North America Licensing in cross‑functional initiatives related to Visa Direct Cross‑Border and other U.S. licensing programs, ensuring licensing requirements are understood and incorporated early.
Act as a trusted licensing advisor to Sales, Implementation, Product, Client Services, and other internal partners by clearly articulating U.S. licensing requirements, constraints, and risks.
Proactively identify opportunities to improve U.S. licensing workflows, documentation standards, and tracking, with a focus on accuracy, efficiency, and audit readiness.
Identify and escalate policy exceptions, regulatory risks, or client issues that fall outside established procedures, providing clear context and recommended paths forward.
Support knowledge sharing and informal coaching for Analysts and less experienced team members on U.S. licensing and Visa Direct‑related scenarios.