Software Engineer

Company Description

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Job Description

Visa’s Technology Organization is a collaborative community of problem solvers and innovators dedicated to reshaping the future of commerce. We operate the world’s most sophisticated processing networks as the leader in digital payments, supporting up to 65,000 secure transactions per second across a global network of over 100 million merchant locations and nearly 15,000 financial institutions, empowering billions of cardholders worldwide.

Commercial & Money Movement Solutions (CMS) is a key strategic growth engine for Visa, underpinning our leadership as the largest commercial card network and the largest money movement platform globally. CMS enables Visa to address extraordinary payments flows—spanning B2B, P2P, B2C, and G2C segments—by leveraging Visa-grade reach, technology, scalability, and security. With more than 11 billion endpoints and 6x transaction growth since FY19, CMS powers expansive use cases and vertical solutions, deepens client relationships, enables value-added services on new flows, and unlocks data access and AI capabilities for revenue diversification. This is an opportunity to help shape the future of global commerce and money movement.

The Opportunity: 

We are looking for dedicated, curious, and energetic Software Engineers who embrace solving complex challenges on a global scale. As a Software Engineer on the CMS team, you will help design and build robust distributed systems that support new payment flows, working with advanced GenAI and data capabilities to power real-world use cases and deliver trusted solutions for clients across the globe. 

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:

• Demonstrates basic knowledge and asks questions about project requirements.
• Reviews and asks questions about solution strategies that improve the design and functionality of a payment product feature.
• Applies standard processes on the use of front-end programming languages (e.g. HTML, C++, Java) to write code that fulfills website modification requests and technical requirements, under close guidance.
• Works under close guidance from others to support the piloting of new technology capabilities and features that enhance the user website experience across e-commerce products.
• Identifies and advances bugs that threaten website functionality

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

**We do not expect that any single candidate would fulfill all of these characteristics. For instance, we have exciting team members who are really focused on building scalable systems but didn’t work with payments technology or web applications before joining Visa.

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

Qualifications

Basic Qualifications
•Bachelors degree, OR 3+ years of relevant work experience

Preferred Qualifications
•2 or more years of work experience
•Experience or coursework in Generative AI (GenAI), with an interest in applying AI and data-driven solutions to enable expansive, real-world use cases.
•Knowledge of and ability to develop back-end (e.g. Python, Java, C++, PHP) code in support of package and product development. This includes the extension of capabilities of packages and products.
•The ability to develop and use Application Program Interfaces (APIs), a set of routines, protocols, and tools for building software applications that specify how software components should interact and are used when programming graphical user interface (GUI) components. An API may be for a web-based system, operating system, database system, computer hardware, or software library.
•Knowledge of and the ability to use database software (e.g., applications, web-based applications, information systems) to maintain, modify, and output data.
•Knowledge of systems integration process in which separately produced components or subsystems are combined and problems in their interactions are addressed.
•Knowledge of data structures, which consist of data organization, management, and storage formats that enable efficient access and modifications. This includes a collection of data values, the relationships among them, and the functions or operations that can be applied to the data.
•Knowledge of and ability to develop front-end code (e.g. HTML, CSS, and JavaScript) in support of package and product development. This includes the extension of capabilities of packages and products.
•Knowledge of user interface design, which is the interaction where users and computers interact. This includes an understanding of how to provide an optimal industrial design experience through User Interface (UI) Design.

Additional Information

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 a new hire into this position is 84,600.00 to 119,650.00 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.