Sr. Consultant - Software Engineer

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

Visa’s Technology Organization is a community of problem solvers and innovators reshaping the future of commerce. We operate the world’s most sophisticated processing networks capable of handling more than 65k secure transactions a second across 80M merchants, 15k Financial Institutions, and billions of everyday people. While working with us you’ll get to work on complex distributed systems and solve massive scale problems centered on new payment flows, business and data solutions, cyber security, and B2C platforms.

The Opportunity: 

We are seeking a Sr. Consultant - Software Engineer for the Visa Acceptance Platform - Integration team, a cross-functional group within Acceptance Solutions Technology. We build the connective tissue between Visa’s core platforms and the external ecosystem - delivering secure, scalable integrations that help global banks, emerging fintechs, merchants, acquirers, PSPs, and developers bring Visa capabilities to life. We also partner with Visa product teams to make their offerings accessible and consumable for our developer and partner community. In this role, you will shape how AI is applied within the Integration Team. Operating at the intersection of strategy and delivery, you will distill high-level asks into concrete architectures - models, data pipelines, and services - and ship production-ready capabilities at scale. You will code alongside the team, provide hands-on technical guidance to engineers, and champion new platform capabilities, tools, and practices that streamline integrations and expand access to Visa Acceptance Platform products and services.

The Work Itself: 

• Lead the design and delivery of production-grade, AI-driven solutions across the Visa Acceptance Platform, ensuring they meet Visa standards for security, compliance, and reliability.
• Architect and integrate solutions that deliver predictable performance at scale, including zero-message-loss for mission-critical events and high availability globally.
• Apply secure-by-design principles and implement AI guardrails to mitigate risks, including jailbreak prevention, prompt-injection defense, and sensitive-data protection.
• Implement observability for AI services, monitoring model accuracy, latency, and drift.
• Evaluate problem patterns, recommend fit-for-purpose AI models and architectures, and justify design choices.
• Act as a technical consultant to internal product teams and external partners, translating complex integration requirements into scalable AI solutions.
• Collaborate with Visa product teams to expose capabilities via AI-enhanced developer tools, APIs, and workflows.
• Evangelize AI capabilities internally and with partners.
• Contribute to full-stack development where needed.

Essential Functions:

• Translate ambiguous, high-level requests into clear strategies, reference architectures, and roadmaps, and drive alignment on priorities and success metrics.
• Provide technical leadership across teams (design reviews, architecture forums), ensuring decisions meet security, reliability, and compliance standards.
• Establish and champion engineering best practices for AI-enabled integrations, including SDLC quality gates and operational readiness.
• Partner with product, security, compliance, and platform teams to ensure AI initiatives align with Visa strategic direction and governance.
• Participate in Agile planning and delivery to enable measurable, iterative outcomes.

The Skills You Bring:

• Energy and Experience: Growth mindset with a track record of shipping production AI and integration solutions at global scale, comfortable owning outcomes end to end.
• Challenge the Status Quo: Bias for action to use AI guardrails, automation, and integration accelerators to improve reliability, security, and developer experience.
• Language Expertise: Proficiency in one or more backend languages (Java, Go, Python, or equivalent) and familiarity with modern web frameworks (React, Angular, or Vue).
• Builder: Hands-on builder of cloud-native, distributed services (API-first, event-driven) with high availability and zero-message-loss objectives, strong in testing and operational readiness.
• Learner: Constantly deepening expertise in LLM orchestration, RAG, embeddings and vector databases, observability (metrics, tracing, logs), containers, and Kubernetes.
• Partnership: Effective collaborator with Product, Security, Compliance, and Platform teams, consultative with external partners, experienced working in Agile and Scrum environments.

Additional Information

• We do not expect any single candidate to fulfill all of these characteristics. For example, we have team members who specialize in building scalable systems but had no prior experience with payments technology or web applications before joining Visa. If you are excited about the role and believe you can contribute, we encourage you to apply.
• This is a hybrid position. Expectation of days in office will be confirmed by your Hiring Manager.

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 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
- Bachelor’s degree in Computer Science, Engineering, Information Technology, or a related field (or foreign equivalent), and 8+ years of relevant work experience, or
- Master’s degree in a related field (or foreign equivalent) and 5+ years of relevant work experience, or
- PhD in a related field (or foreign equivalent) and 2+ years of relevant work experience, or
- 12+ years of relevant work experience in lieu of a degree.
- Combinations of education and experience that achieve equivalent proficiency will be considered.
Note: Experience with the technologies below or equivalent counts. We do not expect all.
- LLM and AI or ML Integration (Core Requirement) - 4+ years integrating AI or ML capabilities into enterprise-grade platforms, including 2+ years with LLM orchestration, Retrieval-Augmented Generation (RAG), embedding models, vector databases, and API integration of generative AI services such as ChatGPT, Microsoft Copilot, or Anthropic Claude.
- Full-Stack Engineering and Integration Architecture - 7+ years designing, building, and delivering secure, highly available applications across backend services (Java, Go, Python) and modern front-end frameworks (React, Angular, Vue), with expertise in API-first platforms, UI integration, REST or gRPC or GraphQL, and event-driven patterns.
- Cloud and Containerization - 5+ years with public cloud platforms (AWS, Azure, GCP) and container orchestration (Docker, Kubernetes, OpenShift), including scaling, optimization, and cost management.
- Data Management - 7+ years working with relational databases (Oracle, MySQL, PostgreSQL) and NoSQL databases (MongoDB, Cassandra), including schema design, query optimization, and distributed transactions.
- Application and Infrastructure Security - 5+ years applying secure-by-design principles, API security, and vulnerability remediation (OWASP Top 10, TLS, IAM, PCI DSS, GDPR) in enterprise environments.
- Responsible AI and Governance - Experience implementing bias detection, explainability, human-in-the-loop workflows, and compliance controls within AI systems, aligned to enterprise governance frameworks.
- Developer Enablement and Generative AI in Engineering - 5+ years improving developer productivity through API standards, SDKs, CLI tools, and automation frameworks, including at least 1 year applying generative AI across the SDLC (for example GitHub Copilot, Cline, Cursor, or Claude Code) for code reviews, automated documentation, user story creation, and workflow automation.
- Observability and Monitoring (Nice to Have) - Familiarity with observability frameworks and monitoring or tracing tools (Prometheus, Grafana, ELK, OpenTelemetry) to support performance and reliability in distributed or AI-enabled systems.
- Multi-Agent Orchestration (Nice to Have) - Familiarity with agentic frameworks such as LangChain or Semantic Kernel and multi-agent communication patterns such as ACP, A2A, or ANP, or similar.

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 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.

Visa will consider for employment qualified applicants with criminal histories in a manner consistent with applicable local law, including the requirements of Article 49 of the San Francisco Police Code.

U.S. APPLICANTS ONLY: The estimated salary range for a new hire into this position is 143,200.00 to 207,800.00 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.