Sr. SW Engineer

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

We’re looking for passionate Senior Software Engineers to design and build secure, scalable payment applications for Visa Agentic Commerce initiatives. You’ll help create reliable services that enable AI agents to support commerce and payment experiences, while keeping security, customer trust, and payment integrity at the center. Working collaboratively with product, engineering, and business teams, you’ll turn complex requirements into high-quality solutions and help shape the future of agent-enabled payments.
Software Development Engineers are expert problem-solvers and builders who design, implement, and improve software applications and systems. In this role, engineers spend approximately 60–75% of their time coding, working hands-on with code, data, and modern tools (including AI-assisted development, cloud services, and automation frameworks) to deliver secure, scalable, and high-quality technology solutions that drive business outcomes in the fintech sector. They collaborate with cross-functional teams – product managers, designers, data scientists, QA, operations, and compliance – to translate business requirements into robust technical solutions, all while adhering to best practices, security standards, and regulatory requirements.
All roles require digital fluency, including the ability to work with emerging technologies such as Generative AI tools (e.g. ChatGPT, Microsoft Copilot) to support everyday work.
Key Responsibilities

• Collaborate with stakeholders to interpret requirements for project components and incorporate feedback into future designs or solution fixes.
• Translate business requirements by verifying assumptions and escalating potential design issues to appropriate stakeholders.
• Participate in system design and architecture, refining code plans and contributing to design documentation.
• Contribute to project estimation and escalate issues that may cause delays.
• Develop, implement, and maintain code for products, services, or components, applying coding patterns, guidelines, and best practices.
• Apply debugging tools to verify assumptions and proactively flag issues before they occur.
• Participate in code reviews to ensure coding standards are followed and address routine pull requests.
• Create test plans and configure testing procedures to identify and resolve defects for multiple features.
• Respond to support requests during on-call rotations, troubleshooting issues and deploying fixes under guidance.
• Leverage and build knowledge of software developer tools to create, debug, and maintain code for components.
• Remain current in skills by investing time in training resources to improve product availability, reliability, efficiency, observability, and performance.

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 Bachelor's degree, OR 5+ years of relevant work experience.
• Experience in technologies/software systems or a directly related field (minimum two years).
• Experience in developing and/or implementing web-based or mobile applications (minimum two years).
• Experience in system design and architecture for product components.
• Experience in debugging and troubleshooting software issues.
• Experience in code review and applying coding standards.
• Experience in test planning and execution for software features.
• Experience in responding to support requests and deploying fixes.
• Experience in using software developer tools for code creation and maintenance.

Preferred Qualifications

• 3+ years of work experience with a Bachelor’s degree, or 2+ years of work experience with an advanced degree (e.g., Master’s, MBA, JD, or MD).
• Strong expertise in Core Java, JEE technologies, RESTful services, object-oriented design, and design patterns.
• Experience with back-end technologies such as JDBC, JMS, Spring, Hibernate, and JMX.
• Hands-on experience with PostgreSQL and SQL, including relational database design and use of commercial-grade databases.
• Experience with Apache Kafka for event-driven or messaging-based solutions and Hazelcast for distributed caching or in-memory data-grid solutions.
• Experience developing, deploying, or supporting containerised applications.
• Experience designing solutions with Continuous Integration and Continuous Delivery (CI/CD) in mind, including practical experience with Jenkins.
• Working knowledge of Git and GitHub for version control and collaborative development.
• Proven ability to understand requirements and design, build, and deliver effective technical solutions.
• Curiosity and creativity to understand customer needs and business processes, and to develop thoughtful solutions.
• Ability to see the bigger picture while staying focused on immediate priorities and goals.
• Strong research skills and attention to detail.
• Excellent work ethic and ability to collaborate effectively with others.
• Exceptional oral and written communication skills.
• A passion for understanding people and continually improving products and services.
  

Additional Skills That Are a Plus

• Familiarity with test automation, especially Karate.
• Experience in the payments industry and familiarity with payment technologies.
• Exposure to agentic commerce, AI agents, or LLM-powered applications, including agent workflows, tool/function calling, or integration with business APIs.
• Understanding of secure agent-initiated payment flows, including user consent, delegated authority, payment tokens, transaction controls, and fraud or risk considerations. These are important design concerns for trusted agentic payments.
• Familiarity with emerging commerce and agent-integration protocols or standards—for example, Agentic Commerce Protocol (ACP) and Model Context Protocol (MCP).
• Experience evaluating, monitoring, or securing AI-enabled applications, including testing agent behavior and handling unreliable or unexpected outputs.

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.