Staff SW Engineer

AI in this role

chatgptcopilot

ragai-automation

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

The Staff Software Engineer is a senior technical leader responsible for designing, building, and evolving secure, scalable solutions for Visa's Acceptance Solutions platform, focusing on transaction processing platforms. This hands-on role (60-75% coding) provides technical direction across architecture, API strategy, integration patterns, and engineering standards while leveraging Generative AI and agentic AI to improve productivity and quality.

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

Qualifications

Basic Qualifications:

5+ years of relevant work experience with a Bachelor’s Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD, OR 8+ years of relevant work experience.
Proficiency in modern programming languages (Java, Python, JavaScript, TypeScript, Go, or Kotlin).
Experience with system design, architecture, debugging, troubleshooting, and production support.
Ability to use AI-assisted tools (GitHub Copilot, ChatGPT, agentic AI) and establish safe AI practices.

Preferred Qualifications:

6 or more years of work experience with a Bachelor's Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or up to 3 years of relevant experience with a PhD.
Experience in software engineering, technology delivery, or a directly related field.
Experience designing, building, and supporting APIs, web services, microservices, or enterprise integration services.
Experience in a technical leadership role (with or without direct reports).
Strong experience with API-first design, REST, OpenAPI, JSON, webhooks, and event-driven architecture.
Experience with cloud platforms (AWS, Azure, GCP), Docker, Kubernetes, and infrastructure as code.
Experience collaborating with cross-functional teams to deliver secure and scalable solutions.
Deep understanding of payment event processing and transaction lifecycle
Experience with Payments clearing and payment message formats
Expertise in event-driven architecture and event streaming platforms (Kafka)
Knowledge of payment capture processing and event enrichment
Experience building enterprise-scale distributed systems, APIs, or integration platforms.
Experience with event-driven architecture using Kafka, message queues, event streaming, or workflow orchestration.
Experience with authentication/authorization (OAuth 2.0, OpenID Connect, JWT, SAML, mTLS, IAM).
Experience with observability and reliability (Splunk, Datadog, Grafana, OpenTelemetry, SLOs).
Experience with automated testing, contract testing, performance testing, and API certification.
Experience in product development within regulated industries (fintech, payments, banking).
Experience implementing Generative AI, agentic AI workflows, RAG, or intelligent automation.
Experience mentoring engineers and driving engineering standards across teams.
Experience with PCI-DSS, SOX, or financial services compliance requirements.
Experience with file transfer protocols (SFTP) and batch processing
Understanding of payment network protocols (Visa, Mastercard, Amex)
Experience with event correlation and transaction matching
Knowledge of retry mechanisms, dead-letter queues, and event replay
Experience with data serialization formats (Avro, Protobuf, JSON)
Understanding of exactly-once processing and idempotency patterns

Information for US Applicants

For roles located in the US, the estimated salary range for this position is $134,500.00 to $ 214,700.00 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

Staff SW Engineer at Visa rates 17 out of 100 for how much of the daily work is AI. That makes it Little AI (AI Level 1 of 4). The level is about AI in the job, not seniority.

Classification

Little AI. AI is not part of the work.

●●●● 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. Open the description and count.

Prepare for this job

A free preview built only from this posting: what it asks for, what you could be asked in an interview, and how to adjust your resume.

Skills and AI tools this role asks for

RAGAI AutomationChatGPTCopilot

Questions you could be asked

How would you design a retrieval step so the model answers from real data instead of guessing?
Tell me about a workflow you automated with AI tools, end to end.
What are the limits of ChatGPT that you've run into, and how did you work around them?
What's a project where you used Copilot hands-on?

Adapt your resume

List these exact terms on your resume: RAG, AI Automation, ChatGPT, and Copilot. 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.

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