Sr. Software Engineer

Visa Technology and Operations LLC is hiring a Senior Software Development Engineer for its Payments Products Development team in Foster City, CA. The role focuses on building secure, scalable payment product platforms and AI-enabled solutions, spanning API development, platform modernization, automation, and incident and change management.

Role Summary

This position contributes to the development of cutting-edge payments platform capabilities and integrates generative and conversational AI features, including RAG-based approaches. Work includes designing and implementing solutions across the full lifecycle, with an emphasis on operational reliability, security, and scalable delivery.

Key Responsibilities

• Design, develop, and implement innovative software solutions using generative AI, conversational AI, RAG, and modern integration patterns.
• Explore new technologies and convert relevant ideas into secure and scalable business solutions.
• Design and integrate AI components into larger platforms, including data preparation, model evaluation, deployment, monitoring, and continuous improvement.
• Maintain robustness, quality, security, and operational reliability throughout the software and AI lifecycle.
• Collaborate with cross-functional teams to deliver complex projects that combine emerging technologies with existing platforms.
• Work closely with Product Office, Operations & Infrastructure, Cybersecurity, Client Support, and Product Development teams.
• Expand knowledge of generative AI, machine learning, modern engineering practices, and emerging technologies, and share learning to support team growth.
• Apply a client-centric mindset by using client feedback to refine offerings and improve the value delivered by Payment Product platforms.
• Develop APIs that enhance integration across Payment Product applications, platforms, AI services, and solutions.
• Advance the modernization roadmap by adopting best-in-class technology solutions for core platforms, supporting market reach and client impact.
• Continuously improve technology stacks, development processes, and methodologies to improve productivity, quality, and time to market, including responsible use of AI-assisted engineering tools.
• Follow software development best practices emphasizing quality, security, performance, scalability, availability, resilience, and reduction of technical debt.
• Automate software development, testing, deployment, and maintenance processes.
• Use AI-generated outputs as accelerators while applying rigorous engineering review and verification.
• Support incident, change, and problem management processes and participate in root-cause analysis and troubleshooting to sustain high availability and service reliability.

Required Qualifications

• 2+ years of relevant work experience and a Bachelor’s degree, or 5+ years of relevant work experience.
• Expert-level skills in Java, Python, and Node.js.
• 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).
• Self-driven and adaptable, with willingness to work across technologies and programming languages.
• Strong understanding of natural language processing concepts, including tokenization, word embeddings, and sequence models.
• Proficiency implementing and fine-tuning AI and machine learning models using frameworks such as TensorFlow, PyTorch, or scikit-learn.
• Understanding of machine learning and deep learning fundamentals, including neural network architectures, training procedures, transfer learning, model compression, and trade-offs.
• Ability to design, implement, and integrate AI components into larger enterprise systems.
• Familiarity with robustness, reliability, security, and responsible-use considerations in AI systems.
• Experience working with large datasets, including exploratory data analysis, data preprocessing, feature engineering, and model evaluation.
• Exposure to machine learning, deep learning, stream computing, MLOps, and modern AI integration patterns.
• Proficiency in front-end web development technologies such as React, Angular, and Node.js.
• Experience configuring build and deployment systems such as Docker, Jenkins, and Kubernetes.
• Expertise in multithreading, concurrency, and error handling.
• Demonstrated proficiency in troubleshooting, root-cause analysis, application design, and implementing enterprise-scale components.
• Knowledge of version control, CI/CD pipelines, and best practices for application and ML model deployment.
• Working knowledge of distributed in-memory computing technologies such as Redis.
• Understanding of enterprise security, certificate management, and related practices.
• Hands-on experience with Jenkins and container deployment architecture.
• Experience with OAuth 2.0, SSO, and authentication methods or protocols.
• Expertise in application security, SSDLC, and cryptography fundamentals.
• Experience applying AI-assisted engineering practices while independently validating generated code, tests, documentation, and technical recommendations.

Preferred Qualifications

• Experience with C++ or C#.
• Experience building Generative AI applications, conversational AI solutions, and RAG architectures using related tools and libraries.
• Experience applying AI systems in payments technology is a plus.

Technologies

• Java, Python, Node.js, C++, C#
• Generative AI, conversational AI, RAG
• TensorFlow, PyTorch, scikit-learn
• React, Angular
• Docker, Jenkins, Kubernetes
• Redis
• OAuth 2.0, SSO
• CI/CD pipelines, MLOps

Compensation and Location

• Location: Foster City, CA (onsite)
• Salary: USD 112,100 to 204,000 per year
• Work hours: Varies based on department needs
• Travel: 5-10% of the time

Benefits

• Medical, Dental, Vision
• 401(k)
• FSA/HSA
• Life Insurance
• Paid Time Off
• Wellness Program
• Potential bonus and equity
• Potential sales incentive payments (if applicable)

Work Environment and Physical Requirements

• Office setting
• Ability to sit and stand at a desk
• Ability to communicate in person and by telephone
• Frequent use of standard office equipment, including telephones and computers

Information for US Applicants

• Estimated salary range for this position is $112,100 to $204,000 USD per year.
• Salary may vary based on job-related factors including knowledge, skills, experience, and location.
• This position may be eligible for bonus and equity.
• Visa provides a comprehensive benefits package; this position may be eligible for Medical, Dental, Vision, 401(k), FSA/HSA, Life Insurance, Paid Time Off, and Wellness Program.