Sr. SW Engineer

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.

About the Role
The Data and AI Products (DAP) division is part of Visa’s Technology organization and is responsible for delivering revenue generating, value added products and services for clients and internal stakeholders. These capabilities are delivered through a portfolio of datasets, APIs, BI and analytics platforms, custom applications, and data visualization solutions.
The Business Intelligence and Analytics group within DAP designs, builds, and operates scalable analytics products and data driven services that support high volume, secure, and near real time processing. This role contributes to the development of full stack, cloud enabled, and GenAI augmented applications that meet the reliability, security, and performance standards expected of payment style systems.
Essential Functions:

• Design, develop, and implement full stack data products as web applications and web services using big data, cloud, and hybrid cloud technologies.
• Build and enhance high throughput, low latency processing solutions to support analytics, reporting, and transaction style workloads.
• Apply Generative AI capabilities where appropriate to enhance user experience, analytics workflows, developer productivity, or data interaction.
• Design, develop, and unit test applications in accordance with established engineering standards, architectural patterns, and best practices.
• Deliver solutions that adhere to high quality development principles, including scalability, resiliency, security, and maintainability, while meeting delivery timelines.
• Develop and integrate security, authentication, authorization, and data privacy components, ensuring compliance with enterprise and regulatory requirements.
• Integrate applications with Visa’s enterprise authentication, authorization, and access management platforms.
• Support secure API integration across internal and external systems.
• Provide third level support for production issues, including root cause analysis and resolution of complex technical problems.
• Participate in solution design reviews, code reviews, and architecture discussions to ensure alignment with platform standards.
• Research, evaluate, and apply modern tools, frameworks, and cloud native technologies, including those supporting GenAI and data processing.
• Collaborate closely with product owners, project managers, architects, system analysts, and cross functional engineering teams to translate business requirements into scalable technical solutions.
• Experience working in payment, financial services, or other highly regulated environments, with an understanding of auditability, compliance, and data governance requirements.
• Exposure to advanced observability and reliability practices, including monitoring, logging, alerting, and performance tuning for high‑volume systems.
• Experience contributing to architecture decisions, technical roadmaps, or platform standards in a multi‑team environment.
• Familiarity with AI platforms, internal GenAI tooling, or agent‑based frameworks and an interest in advancing responsible AI adoption across engineering teams.
• Strong communication skills with the ability to explain complex technical concepts to non‑technical stakeholders.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Basic Qualifications:
2+ years of relevant work experience and a Bachelors degree, OR 5+ years of relevant work experience

Preferred Qualifications:
3 or more years of work experience with a Bachelor’s Degree or more than 2 years of work experience with an Advanced Degree (e.g. Masters, MBA, JD, MD)
Degree in Computer Science, Engineering, or related technical discipline, advanced degree preferred.
5+ years of experience building, deploying, and operating full stack, production grade systems at scale.
Proven experience applying Generative AI in production, including AI powered UI experiences, APIs, or backend services.
Hands on experience integrating LLMs into applications or workflows, including prompt engineering and response evaluation.
Strong proficiency in Java or equivalent languages, with expertise in Object Oriented Design, RESTful APIs, and microservices architectures.
Experience designing high throughput, low latency, transaction oriented systems with resiliency, idempotency, retries, and fault tolerance typical of payment platforms.
Strong experience with modern web technologies (JavaScript ES6+, HTML5, CSS3) and UI frameworks such as React or Angular.
Solid experience with relational databases and SQL, and building data enabled or near real time processing applications.
Hands on experience deploying and operating applications in hybrid cloud environments (private and public cloud).
Experience with cloud native patterns including containerization and orchestration (Docker, Kubernetes or equivalents).
Strong experience with DevOps practices including CICD pipelines, automated testing, and infrastructure automation.
Demonstrated ability to translate complex business requirements into scalable, secure, and maintainable solutions, collaborating effectively across product and platform teams.

Work Hours: Varies upon the needs of the department.

Travel Requirements: This position requires travel 5-10% of the time.

Mental/Physical Requirements: This position will be performed in an office setting.  The position will require the incumbent to sit and stand at a desk, communicate in person and by telephone, frequently operate standard office equipment, such as telephones and computers.

Visa is an EEO Employer.  Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status.  Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.

U.S. APPLICANTS ONLY: The estimated salary range for this position is 123,000.00 to 190,900.00 USD per year, which may include potential sales incentive payments (if applicable). Salary may vary depending on job-related factors which may include knowledge, skills, experience, and location. In addition, this position may be eligible for bonus and equity. Visa has a comprehensive benefits package for which this position may be eligible that includes Medical, Dental, Vision, 401 (k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.