Principal Software Engineer

Company Description

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.

Job Description

The Value-Added Services Product Development (VAS PD) team drives the diversification of our revenue with products that differentiate Visa network and deliver valuable solutions across other networks. Risk Authentication and Identity Solutions (RaIS) team in VAS focuses on innovative, AI-driven risk and fraud management solutions for issuers, merchants and fintechs.

The Chief Software Engineer in the RaIS Product Development team will be responsible for leading the technology strategy, solution, and execution of initiatives that support our business objectives. This role focuses on 3DS Authentication products such as Visa Enhanced Authentication, Visa Secure, Cardinal VCAS and Identity platforms such as B2C-IAM, Visa Payment Passkeys etc.

Essential Functions

Define and drive the overall technical strategy and architecture, ensuring alignment with business goals while accelerating innovation and time to market.

Architect, design, and code highly scalable, reliable, and secure distributed systems and transaction processing platforms.

Lead the adoption of Generative AI and Agentic AI to boost developer productivity by 10X, leveraging these technologies to build innovative business solutions and products.

Establish and promote best practices for software development, including CI / CD automation and DevOps, to improve efficiency and quality across the SSDLC.

Oversee cloud first application development and optimization on AWS, Azure, or GCP to ensure solutions are resilient, scalable, cost-effective, and secure.

Actively contribute to critical projects by developing key modules, core frameworks, automation tools, and proof-of-concepts to validate emerging ideas and technologies.

Provide technology leadership and motivate high-performing engineering teams, setting clear priorities to achieve product and technology KPIs.

Collaborate cross-functionally with security, privacy, governance, and business partners to deliver compliant, scalable, and reliable solutions that meet all non-functional requirements.

Communicate technical strategy and engineering solutions effectively to diverse stakeholders, including executives and business units.

Mentor and coach senior engineers and engineering managers, fostering a culture of collaboration and continuous learning through brown bags, tech talks, and one-on-one sessions.

Implement rigorous application development, testing, deployment, and monitoring practices to uphold architectural excellence and reliability standards.

Adhere to Visa’s Leadership Principles by promoting collaboration, acting as owner, and executing with excellence.

This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.

Qualifications

Basic Qualifications :

• 12+ years of relevant work experience with a Bachelor’s Degree or at least 9 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 6 years of work experience with a PhD, OR 15+ years of relevant work experience.

Preferred Qualifications :

background in architecting large-scale, distributed systems. Proficiency in

languages like Java, Python, or GoLang, and frameworks such as Spring,

Node.js, React. Experience with RESTful and gRPC APIs, microservices, and

event-driven systems.

Hardware Security Modules (HSMs). Experience in building secure

applications and implementing security-first practices.

MongoDB). Experience with distributed caching technologies like Redis.

Agentic AI to drive 10X productivity improvements and product innovation.

Familiarity with integrating AI solutions into existing platforms.

understanding of DevOps practices, CI / CD pipelines, containerization (Docker),

and orchestration tools (Kubernetes).

improve efficiency and quality. Experience with automated testing frameworks,

code quality tools, and delivery pipelines.

best practices. Ability to balance short-term and long-term technological

decisions aligned with business goals. Experience in designing and

maintaining highly available (99.999%), reliable, active active critical systems.

to validate new ideas and integrate beneficial emerging technologies.

teams, fostering a collaborative environment. Excellent communication skills

to articulate complex technical concepts to diverse audiences.

requirements in the payments industry is a plus. Passion for staying current

with industry trends and emerging technologies.

Additional Information

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 184,100.00 to 267,050.00 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.