Sr. SW Engineer

Visa is hiring a Sr. SW Engineer in Foster City, United States. It pays $123k-$191k a year and Level rates it ; you can apply on Visa.

Level's read on this job

On Level's scale, this role is Uses AI ●●○○: an ordinary role that requires AI tools.
The posting mentions ChatGPT, Copilot and Java among its tools and skills.
Level classes it as a senior role.
Visa has 848 other open roles on Level.

AI in this role

Design and build secure transaction processing solutions while leveraging AI-assisted development tools and modern cloud-native practices.

ChatGPTCopilotJavaPythonJavaScriptTypeScriptGoKotlinGitHub CopilotDockerKubernetesTerraform+4

ai-automationsoftware-engineeringapi-designcloud-nativemicroservicesai-assisted-coding

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

Job Summary:

The Senior Software Engineer designs, builds, and supports secure, scalable solutions for Visa's Acceptance Solutions platform, focusing on transaction processing platforms. This hands-on role (70-85% coding) works with cross-functional teams to deliver reliable technology solutions while leveraging Generative AI and modern cloud-native practices.

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

Qualifications

Basic Qualifications:

2+ years of relevant work experience and a Bachelors degree, OR 5+ years of relevant work experience.
Proficiency in at least one modern programming language (Java, Python, JavaScript, TypeScript, Go, or Kotlin).
Ability to use AI-assisted development tools (GitHub Copilot, ChatGPT, agentic AI) effectively.
Experience designing, building, and testing APIs, web services, or microservices.

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).
MInimum 2 years of experience in software engineering or technology delivery.
Experience developing backend, web-based, or integration-focused applications.
Experience with REST APIs, OpenAPI/Swagger, JSON, and API-first development.
Experience with system design, debugging, code reviews, and production support.
Experience with Git, CI/CD pipelines, and modern developer tools.
Experience with data engineering, ETL pipelines, and data lake architectures
Expertise in reporting systems and business intelligence platforms
Experience with transaction lifecycle and clearing/settlement workflows
Experience building enterprise-scale APIs, microservices, or integration platforms.
Experience with cloud platforms (AWS, Azure, GCP), Docker, Kubernetes, and Terraform.
Experience with event-driven architecture using Kafka, RabbitMQ, or similar message queues.
Experience with authentication/security (OAuth 2.0, OpenID Connect, JWT, mTLS, encryption). Experience with observability tools (Splunk, Datadog, Grafana, Prometheus, OpenTelemetry).
Experience with automated testing, contract testing, performance testing, or service virtualization.
Experience in regulated industries (fintech, payments, banking, financial services).
Experience implementing Generative AI, agentic AI workflows, or intelligent automation.
Experience mentoring junior engineers and collaborating with cross-functional teams.
Knowledge of analytics and data visualization tools
Experience with SQL, data modeling, and dimensional design
Understanding of settlement, funding, and reconciliation processes
Experience with real-time streaming analytics
Knowledge of data governance, quality, and lineage
Experience with dashboard development and data visualization
Understanding of financial reporting requirements and compliance

Information for US Applicants

For roles located in the US, 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.

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.

How we rate this

Sr. SW Engineer at Visa rates 45 out of 100 for how much of the daily work is AI. That makes it Uses AI (AI Level 2 of 4). The level is about AI in the job, not seniority.

Classification

Uses AI. An ordinary role that requires AI tools.

●●●● Builds AI80 to 100
●●●○ Works on AI60 to 79
●●○○ Uses AI40 to 59
●○○○ Little AI0 to 39

Levels come from how often the tools, models and workflows of the role are named in the posting itself. Read the description and count the AI tools, models and workflows it names.

Key facts

Sr. SW Engineer is an open job at Visa.
Level rates this role AI Level 2 of 4: Uses AI.
The listed salary is $123k-$191k a year.
The role is based in US - Foster City, CA.
The job was posted on September 15, 2026.
Seniority: senior.
Applications are handled by Visa. Apply on Visa

Prepare for this job

Built from this posting and from similar jobs on Level.

Skills and AI tools this role asks for

AI AutomationSoftware EngineeringAPI DesignCloud NativeMicroservicesAI Assisted CodingChatGPTCopilot

Questions you could be asked

Tell me about a workflow you automated with AI tools, end to end.
Tell me about a project where software engineering was part of your work. What did you do?
Tell me about a project where api design was part of your work. What did you do?
Tell me about a project where cloud native was part of your work. What did you do?
Tell me about a project where microservices was part of your work. What did you do?

Adapt your resume

List these exact terms on your resume: AI Automation, Software Engineering, API Design, Cloud Native, and Microservices. An applicant tracking system matches the wording, not the idea.
Attach one line of real, concrete experience to at least one of them. A tool named with nothing behind it rarely survives a human read.
Put the AI tool in a bullet point about what you did, not just in a skills list. This role treats it as a required part of the job.

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