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Mr. Joe Cunningham

Mr. Joe Cunningham
Regional Risk Officer
Visa Asia Pacific



Joe Cunningham is the Regional Risk Officer (RRO) for Visa in Asia Pacific.

With dual reporting to Visa’s Chief Risk Officer and the Asia Pacific Regional President, the RRO sits on the Asia Pacific Leadership team with accountability for Risk Services in the region and for strategic risk management for the Visa business.

Risk management is a critical capability of the Visa business and is a key dimension upon which Visa competes. Visa’s risk capabilities comprise a set of highly sophisticated products and services we offer clients and other stakeholders; and global programs to accelerate electronic commerce, prevent fraud, protect the Visa brand, and the security & integrity of the Visa payments ecosystem.

Joe joined Visa Inc in 2008 based at our San Francisco Global HQ, starting in our Global Technology organization with responsibility for all future-focused aspects of Visa’s technology agenda. Originally tasked with defining Visa’s long-term technology strategy, his role expanded to include leading Visa’s long-term technology innovation & research programs, and international standards definition in all aspects of chip, contactless & mobile payment.

From 2009 to 2015 Joe represented Visa on the Executive Committee of EMVCo, the global payments industry organization responsible for ensuring interoperability and security of chip-based products: including contact, contactless and mobile-NFC payments. In 2014 he took on the AP RRO role.

Joe grew up in the Republic of Ireland, and has previously worked in the UK, New Zealand, Australia, and the Unites States. He holds an MBA from the Melbourne Business School with a specialty in Innovation Strategy and is an honors graduate in Applied Mathematics and Computing. He lives in Singapore with his wife Michelle and two young children.


Cybersecurity: Protecting the Security & Integrity of Digital Commerce


Thanks to the pandemic, the nature of digital commerce has radically changed.

With more people online and as stores remain shuttered, eCommerce surged at an exponential rate.

Visa’s research shows that 2/3 of consumers in Southeast Asia increased their online and mobile banking services over the pandemic.

70% of these consumers have attempted to go fully cashless.

The pandemic accelerated digitization – and rapidly.

This breakthrough has profound implications for risk management and payment security.