Naomi Moriwaki - Sr. Director, Visa

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Work Background

VisaSr. Director - Global Data Office formerly Global Data, Security, and Identity Products

Jan. 2018United States · HybridManagement and oversight of Advanced Resolution Services, Inc (ARS), Visa’s Credit Reporting Agency – Served as ARS Board Chair (2023 – Present), President (2023 – Present), Chief Compliance Officer (2018 – Present), Chief Operations Officer (2022 – 2023). – Provided oversight for Visa’s legal entity ARS, which included the preparation and delivery of materials for the Board. – Managed regulatory examinations, maintaining a record of no findings issued to date. – Implemented a strategic shift to leverage ARS’ distinctive and valuable data through a non-FCRA solution, effectively identifying widespread ecosystem fraud. This initiative significantly mitigates regulatory risk and reduces operational costs, while ensuring clients continue to benefit from the data’s unique advantages. Client Service Operations – Oversaw the expansion of the client portfolio, which includes over 1,900 U.S.-based issuers and processing entities. – Conducted comprehensive retrospective analyses and developed marketing materials for clients to enhance the growth and utilization of ARS Products, focusing on clients with a return on investment exceeding 5:1. Platform and Product Management – Managed a comprehensive suite of credit eligibility products to identify the likelihood of fraud at account origination – Ensured the design and enhancements of the platform and products consistently adhered to all federal and state regulatory privacy and consumer credit eligibility requirements. AI Model Management – Implemented an FCRA compliant score to identify 1st & 3rd party fraud enabling issuers to make informed decisions on credit applications. – Conducted disparate impact analyses to ensure the fairness and bias-free nature of the model scores. Consumer Inquiry and Dispute Management – Handled an average of 25,000 monthly consumer interactions, including inquiries, disputes, and complaints, in coordination with the ARS Consumer Office and the Consumer Financial Protection Bureau (CFPB)

VisaSr. Director – Global Data Office Strategic Programs and Business Development

Jan. 2022United States · RemoteLeadership role in developing and implementing strategic programs under the Global Data Office AI Governance – Key stakeholder in Visa’s AI Governance review processes, collaborating closely with business initiative owners and legal stakeholders to ensure thorough documentation and clear communication for high-risk AI initiatives. – Instituted robust documentation standards and prerequisites for project advancement, facilitating transparent and well-defined reviews in partnership with cross-functional teams. – Innovated ‘green zones’ for routine low-risk AI projects, reducing the need for additional stakeholder reviews and accelerating project approval, while maintaining collaborative efforts with initiative owners for governance alignment Enterprise Data Catalog – Spearheaded the deployment of Visa’s Enterprise Data Catalog (EDC), facilitating the seamless integration and management of diverse data sources throughout the organization. – Engineered metadata tagging, indexing, and search capabilities to bolster the data community’s ability to quickly identify pertinent data sets, enhancing collaboration, innovation, and informed decision-making across various functions and regional offices. Data Use Case Assessment (DUCA) – Played a pivotal role in the deployment and management of DUCA, the Data Use Playbook, and Affiliate Data Use Playbooks, ensuring streamlined processes and adherence to data use policies. Data Steward – Served as the data steward for essential datasets overseeing data governance and ensuring the highest standards of data quality and security. – Led the data community through the DUCA process, ensuring a clear understanding and adherence to data governance protocols. Audit, Risk and Compliance Operations – Managed the coordination of Global Data Office regulatory examinations, internal audits, risk evaluations, and compliance assessments.

Visa Sr. Director – Operational Risk Program

Jan. 2015 - Dec. 2018United States · Remote• Led the development and deployment of Visa’s Global Operational Risk Management Program. • Executed the Visa Operational and Technology Risk Framework, Enterprise Risk Taxonomy, Risk Appetite, and Risk Key Performance Indicators (KRIs) for high-level reporting to Risk Committees and the Visa Board of Directors. • Initiated Visa’s Global Risk and Control Self-Assessment Program, empowering the first line of defense to self-manage risks and controls. • Provided management and oversight for Visa’s New Business Initiative Assessment and Model Risk Management Programs, ensuring regulatory compliance for medium and high-risk models.

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