Software Engineer, Sr. Consultant Level

About Us

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.

Job Description

Overview:

Visa’s Technology Organization is a community of problem solvers and innovators reshaping the future of commerce. We operate one of the world’s most sophisticated global transaction networks-processing more than 65,000 secure transactions per second across 80 million merchants, 15,000 financial institutions, and billions of people worldwide. As part of our AI-First Innovation team, you will help define and deliver transformative intelligence-driven products that unlock new payment experiences, new business flows, and new capabilities across Visa’s ecosystem.

The Opportunity:

We are seeking a versatile, curious, and impact-driven Sr. Consultant Engineer who thrives at the intersection of AI, distributed systems, and large-scale customer impact. In this role, you will lead the execution of next-generation AI-powered solutions-partnering closely with engineering, data science, design, security, and business stakeholders. You will steward development from ideation to scaled deployment, guiding teams to build intelligent, resilient, and trustworthy systems that serve Visa’s global network.

The Work Itself:

• Translate complex business challenges into clear engineering roadmaps, user requirements, and technical specifications that enable breakthrough innovation across payment flows, fraud intelligence, data products, and real-time commerce platforms.
• Lead the experimentation pipeline, evaluating new technologies, model types, LLM-based features, and platform capabilities-and guiding teams through proof-of-concepts, pilots, and scaled launches.
• Implement innovations for AI-native capabilities that touch 40% of the world’s population, setting new standards for scalability, security, explainability, and reusability.
• Drive cross-functional collaboration, ensuring platform engineers, UX teams, and product partners align on architecture, capabilities, and success metrics.
• Champion product quality and operational resilience, identifying systemic patterns across data, model performance, bugs, and user friction-and driving durable solutions.
• Shape Visa’s next-generation AI ecosystem, leveraging cloud-native and modern AI/ML technologies to build robust, privacy-preserving, and globally scalable services.
• Enable global impact, mentoring teams, developing best practices, and contributing to internal learning programs to elevate Visa’s AI maturity and experimentation culture.

Key Responsibility:

• Provide deep technical leadership across AI, data platforms, and large-scale distributed systems-directing strategy for how requirements are collected, evaluated, and transformed into decisive product direction.
• Lead structured discovery with product, engineering, and business stakeholders to recommend architectures, model integration patterns, and scalable design strategies.
• Establish and maintain standards for responsible AI, including data quality, model testing, explainability, observability, and end-to-end governance.
• Lead planning and implementation for new AI capabilities and intelligent features, ensuring seamless integration into Visa’s global platforms and customer experiences.
• Analyze performance patterns, customer signals, and model behavior to implement systemic improvements and long-term product enhancements.

The Skills You Bring:

• AI-first mindset-curiosity, experimentation, and a passion for applying intelligent technologies to solve global-scale problems.
• Product leadership with technical depth, including experience driving ML, data, cloud, or highly-distributed system products.
• Ability to challenge the status quo, with comfort ideating beyond traditional solutions and guiding teams through ambiguity.
• Understanding of modern engineering and ML stacks, including familiarity with languages and frameworks such as Python, Java, C++, containers, Kubernetes, LLM APIs, vector databases, and real-time data systems.
• Experience shipping modern products with a focus on scalability, reliability, and measurable customer value.
• Continuous learning mindset, staying current with emerging AI technologies, MLOps patterns, and model-based product architectures.
• Strong cross-functional collaboration, working closely with Product, Engineering, Security, UX, DevOps, and Agile/Scrum teams.

Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

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's 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.
• Self-driven and willing to work across technologies/languages.
• Expert-level skills in Python and/or NodeJS with skills in Java or C/C++ is a bonus.
• Experience in building Generative AI applications, conversational AI, RAG and Multi-Agentic architectures, techniques and libraries.
• In-depth understanding of NLP including tokenization, word embeddings, and basic sequence models.
• Ability to design and implement AI components and integrate them into larger systems.
• Familiarity with common robustness issues in AI systems.
• Familiarity with deep learning basics, including neural network architectures and training procedures.
• Proficiency in front-end web development technologies like ReactJS/Angular/NodeJS.
• Demonstrated proficiency in troubleshooting, root-cause analysis, application design, and implementing large components for enterprise projects.
• Exposure to leading-edge areas such as Machine Learning, Deep Learning, Stream Computing and MLOps, is a plus.
• Ability to work with large datasets and perform exploratory data analysis.
• Experience with data preprocessing, feature engineering, and model evaluation techniques
• Understanding enterprise security, certificate management, etc.
• Hands-on experience with Jenkins and container deployment architecture.
• Experience using OAuth2.0, SSO, and authentication methods/protocols.
• Expertise in application security, SSDLC, and knowledge of cryptography fundamentals.
• Experience in the payments tech industry is a plus.

Information for US Applicants

For roles located in the US, the estimated salary range for this position is $162,500.00 to $ 260,400.00 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.

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 protect veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with the EEOC guidelines and applicable local law.