Visa’s Technology Organization is a community of problem solvers and innovators reshaping the future of commerce. We operate the world’s most sophisticated processing networks capable of handling more than 65k secure transactions a second across 80M merchants, 15k Financial Institutions, and billions of everyday people. While working with us you’ll get to work on complex distributed systems and solve massive scale problems centered on new payment flows, business and data solutions, cyber security, and B2C platforms.

The Opportunity:

We are looking for Versatile, curious, and energetic Software Engineers who embrace solving complex challenges on a global scale. As a Visa Software Engineer, you will be an integral part of a multi-functional development team inventing, designing, building, and testing software products that reach a truly global customer base. While building components of powerful payment technology, you will get to see your efforts shaping the digital future of monetary transactions.

The Work itself:

• Design code and systems that touch 40% of the world population while influencing Visa’s internal standards for scalability, security, and reusability
• Collaborate multi-functionally to create design artifacts and develop best-in-class software solutions for multiple Visa technical offerings
• Actively contribute to product quality improvements, valuable service technology, and new business flows in diverse agile squads
• Develop robust and scalable products intended for a myriad of customers including end-user merchants, b2b, and business to government solutions.
• Leverage innovative technologies to build the next generation of Payment Services, Transaction Platforms, Real-Time Payments, and Buy Now Pay Later Technology
• Opportunities to make a difference on a global or local scale through mentorship and continued learning opportunities

Essential Functions:

• Works directly with product owners to gather and refine requirements across products, adding and taking into account existing tools and solutions across the organization.
• Develops and designs advanced architect solutions that are robust and scalable, considering integrations with other solutions across the internal technical ecosystem.
• Provides domain expertise on the development of technical documentation of solutions and contributes to standard processes in technical documentation as needed.
• Plays a key role in the development and delivery of new features across products from end-to-end.

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

Basic Qualifications:

8+ years of relevant work experience with a Bachelor’s Degree or at least 5 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 2 years of work experience with a PhD, OR 11+ years of relevant work experience.

Preferred Qualifications:

9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD

Degree in Computer Science, Engineering, Information Technology, or a related field (or foreign equivalent), and 8+ years of relevant work experience; OR

Master’s degree in a related field (or foreign equivalent) and 5+ years of relevant work experience; OR

PhD in a related field (or foreign equivalent) and 2+ years of relevant work experience; OR

12+ years of relevant work experience in lieu of a degree.

Combinations of education and experience that achieve equivalent proficiency will be considered.

You excel in several of the following (we don’t expect all):

LLM & AI/ML Integration (Core Requirement) – 4+ years integrating AI/ML capabilities into enterprise-grade platforms (or equivalent experience), including 2+ years with LLM orchestration, Retrieval-Augmented Generation (RAG), embedding models, vector databases, and API integration of generative AI services (e.g., ChatGPT, Microsoft Copilot, Anthropic Claude, or equivalent).

Full-Stack Engineering & Integration Architecture – 7+ years designing, building, and delivering secure, highly available applications across backend services (Java, Go, Python, or equivalent) and modern front-end frameworks (React, Angular, Vue, or equivalent), with expertise in API-first platforms, UI integration, REST/gRPC/GraphQL, and event-driven patterns (or equivalent).

Cloud & Containerization – 5+ years with public cloud platforms (AWS, Azure, GCP, or equivalent) and container orchestration (Docker, Kubernetes, Open Shift, or equivalent), including scaling, optimization, and cost management.

Data Management – 7+ years working with relational databases (Oracle, MySQL, PostgreSQL, or equivalent) and NoSQL databases (MongoDB, Cassandra, or equivalent), including schema design, query optimization, and distributed transactions.

Application & Infrastructure Security – 5+ years applying secure-by-design principles, API security, and vulnerability remediation (OWASP Top 10, TLS, IAM, PCI DSS, GDPR, or equivalent) in enterprise environments.

Responsible AI & Governance – Experience implementing bias detection, explainability, human-in-the-loop workflows, and compliance controls within AI systems, aligned to enterprise governance frameworks (or equivalent).

Developer Enablement & Generative AI in Engineering – 5+ years improving developer productivity through API standards, SDKs, CLI tools, and automation frameworks (or equivalent), including at least 1 year applying generative AI across the SDLC (e.g., GitHub Copilot, Cline, Cursor, Claude Code, or equivalent) for code reviews, automated documentation, user story creation, and workflow automation.

Observability & Monitoring (Nice to Have) – Familiarity with observability frameworks and monitoring/tracing tools (Prometheus, Grafana, ELK, Open Telemetry, or equivalent) to support performance and reliability in distributed or AI-enabled systems.

Multi-Agent Orchestration (Nice to Have) – Familiarity with agentic frameworks (e.g., Lang Chain, Semantic Kernel, or equivalent) and multi-agent communication patterns (e.g., ACP, A2A, ANP, or similar).

The Skills You Bring:

Energy and Experience: A growth mindset that is curious and passionate about technologies and enjoys challenging projects on a global scale

Challenge the Status Quo: Comfort in pushing the boundaries, ‘hacking’ beyond traditional solutions

Language Expertise: Expertise in one or more general development languages (e.g., Java, C#, C++)

Builder: Experience building and deploying modern services and web applications with quality and scalability

Learner: Constant drive to learn new technologies such as Angular, React, Kubernetes, Docker, etc.

Partnership: Experience collaborating with Product, Test, Dev-ops, and Agile/Scrum 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 152,200.00 to 243,700.00 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.

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.