Visa’s Technology Organization is a collaborative community of problem solvers and innovators dedicated to reshaping the future of commerce. We operate the world’s most sophisticated processing networks as the leader in digital payments, supporting up to 65,000 secure transactions per second across a global network of over 100 million merchant locations and nearly 15,000 financial institutions, empowering billions of cardholders worldwide.

Commercial & Money Movement Solutions (CMS) is a key strategic growth engine for Visa, underpinning our leadership as the largest commercial card network and the largest money movement platform globally. CMS enables Visa to address extraordinary payments flows—spanning B2B, P2P, B2C, and G2C segments—by leveraging Visa-grade reach, technology, scalability, and security. With more than 11 billion endpoints and 6x transaction growth since FY19, CMS powers expansive use cases and vertical solutions, deepens client relationships, enables value-added services on new flows, and unlocks data access and AI capabilities for revenue diversification. This is an opportunity to help shape the future of global commerce and money movement.

The Opportunity
We are looking for dedicated, curious, and energetic Software Engineers who embrace solving complex challenges on a global scale.  As a Senior Engineer, you will be an integral part of a multi-functional development team inventing, designing, building, and testing software products that reach a truly global customer base. While building components of powerful payment technology, you will get to see your efforts shaping the digital future of monetary transactions.  

The Work itself: 

• Design code and systems that touch 40% of the world population while influencing Visa’s internal standards for scalability, security, and reusability.
• Collaborate multi-functionally to create design artifacts and develop best-in-class software solutions for multiple Visa technical offerings 
• Actively contribute to product quality improvements, valuable service technology, and new business flows in diverse agile squads.
• Develop robust and scalable products intended for a myriad of customers including end-user merchants and B2B.
• Leverage innovative technologies to build the next generation of Payment Services.
• Opportunities to make a difference on a global or local scale through mentorship and continued learning opportunities.

Essential Functions:

• Demonstrates in-depth technical proficiency to accurately interpret and address project requirements. 
• Identifies and contributes to the development and solution strategies to team members that improve the design and functionality of interface features across one or more project features, under minimal guidance.
• Collaborates with others to support the piloting of new technology capabilities and features that enhance the customer experience across commercial products.
• Supports ongoing innovation by developing scalable, maintainable, and efficient systems aligned with organizational objectives and global technology standards.

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

Basic Qualifications

3+ years of relevant work experience and a Bachelor’s degree

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) in Computer Science, or related technology/engineering discipline
Experience in developing the enterprise grade mobile applications at scale
Proven experience with Swift & SwiftUI, iOS testing frameworks: XCTest (unit/UI)
Strong grasp of architectural patterns (MVVM, Clean Architecture), concurrency (GCD, async/await), and reactive paradigms (Combine)
Knowledge of App Store policies, TestFlight workflows, provisioning, certificates, and app submission processes
Experience integrating analytics and crash reporting (Firebase Analytics/Crashlytics) and remote configuration
Working knowledge of backend technologies and APIs (REST), JSON handling, caching, pagination, and error strategies
Familiarity with Agile/Scrum methodologies, version control (Git), code reviews, and collaborative development practices
Exposure to GenAI/ML concepts (LLM integrations, Core ML models) is preferred
Excellent communication skills, ownership mindset, and ability to collaborate with global teams
Ability to write clean, coherent code following established coding guidelines.
Experience with Agile methodologies and iterative software development lifecycle principles

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.