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Data Scientist (Visa Predictive Models) - job 11 of 33

Visa has the world’s largest consumer payment transaction dataset.  We see data on over 250 billion transactions every year from all over the world. We use that data to help our clients in the payment ecosystem grow their businesses and to help consumers access a fast, safe, and rewarding payment experience. Visa Predictive Modeling (VPM) team develops and maintains predictive machine learning models to primarily support Visa Risk and Identity Solutions. Using VisaNet data and leveraging Machine Learning (ML) and Artificial Intelligence (AI), our model scores help Visa clients all over the world for fraud defense, identity verification, smart marketing, etc. Through our models and services, VPM fuels the growth of Visa clients, generates, and diversifies revenues for VISA, while improving Visa Card customer experience and their financial lives.

Within VPM, the Acceptance Risk Model Team is responsible for developing real-time fraud detection models serving merchants. We leverage a set of rich data available at merchant check-out including transactional, digital and identity information to detect and stop fraud.

This is a Technical (Individual Contributor) role.  Your responsibilities include:

  • Building and validating predictive models with advanced machine learning techniques and tools to drive business value, interpreting, and presenting modeling and analytical results to non-technical audience.
  • Conducting research using latest and emerging modeling technologies and tools (e.g., Deep Neural Networks, RNN, LSTM, etc.) to solve new fraud detection business problems.
  • Improving the modeling process through MLOps and automation to drive efficiency and effectiveness.
  • Partnering with a cross functional team of Product Managers, Data Engineers, Software Engineers, and Platform Engineers to deploy models and/or model innovations into production.
  • Managing model risks in line with Visa Model Risk Management requirements.
  • Conducting modeling analysis to address internal and external clients’ questions and requests.

This is a hybrid position. Hybrid employees can alternate time between both remote and office. Employees in hybrid roles are expected to work from the office 2-3 set days a week (determined by leadership/site), with a general guidepost of being in the office 50% or more of the time based on business needs.

Average salary estimate

$125000 / YEARLY (est.)
min
max
$100000K
$150000K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Data Scientist (Visa Predictive Models), Visa

Are you ready to dive into the exciting world of data? Join Visa as a Data Scientist, focusing on Predictive Models, and be part of a team that harnesses the largest consumer payment transaction dataset globally! Based in Washington, you'll leverage over 250 billion transactions each year to help clients in the payment ecosystem enhance their businesses. At Visa, the Predictive Modeling (VPM) team is on the cutting edge of developing and maintaining machine learning models primarily aimed at bolstering Visa's Risk and Identity Solutions. In this role, you'll get to build and validate predictive models using advanced techniques and tools that drive significant business value. Your innovative research with emerging technologies like Deep Neural Networks and LSTM will play a critical role in addressing new fraud detection challenges. Collaboration is key! You’ll partner with Product Managers, Data Engineers, and Software Engineers to seamlessly deploy models into production, all while ensuring management of model risks according to Visa's standards. This hybrid position offers flexibility, requiring you to work in the office 2-3 days a week, but allows ample opportunity for remote work. If you’re passionate about using your data skills to create a safe and rewarding payment experience for consumers while fueling business growth, Visa is the place for you!

Frequently Asked Questions (FAQs) for Data Scientist (Visa Predictive Models) Role at Visa
What are the main responsibilities of a Data Scientist at Visa focusing on Predictive Models?

As a Data Scientist at Visa, particularly in the Predictive Models area, your primary responsibilities will include building and validating predictive models with advanced machine learning techniques, conducting research on cutting-edge modeling technologies, and interpreting results for non-technical stakeholders. You'll also play an essential role in improving modeling processes through automation and overseeing model deployment with a cross-functional team, ensuring model risks are managed effectively.

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What qualifications are required for the Data Scientist position at Visa?

To excel as a Data Scientist in the Predictive Models team at Visa, you typically need a strong background in statistics or mathematics, along with experience in machine learning and data modeling. Familiarity with technologies such as Deep Learning, RNNs, and a programming language like Python or R will be beneficial. Relevant hands-on experience in fraud detection or similar domains is also highly regarded.

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How does Visa’s Predictive Modeling team utilize machine learning?

Visa’s Predictive Modeling team utilizes machine learning to develop and maintain models that support risk and identity solutions. By analyzing a vast dataset of payment transactions, the team builds predictive algorithms that help detect fraud, verify identities, and assist clients in effective marketing strategies. This predictive scoring mechanism is critical for enhancing security and optimizing client operations.

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What types of technologies will a Data Scientist at Visa work with?

A Data Scientist at Visa will work with a variety of advanced technologies in the field of machine learning, including Deep Neural Networks, recurrent neural networks (RNNs), and Long Short-Term Memory (LSTM) models. Additionally, familiarity with MLOps and automation tools will also be essential to streamline the modeling process and enhance operational efficiency.

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What is the work environment like for Data Scientists at Visa?

Data Scientists at Visa enjoy a hybrid work environment that balances flexibility with collaboration. Employees typically alternate between working remotely and in the office 2-3 days a week, fostering teamwork while allowing for flexible personal work styles. This environment encourages innovation and communication across teams, ensuring a supportive workplace geared towards driving business objectives.

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Common Interview Questions for Data Scientist (Visa Predictive Models)
Can you describe your experience with predictive modeling and machine learning?

When discussing your experience with predictive modeling, highlight specific projects where you've built or utilized machine learning models. Mention the techniques you used, the results achieved, and how it contributed to business needs. Providing data-driven outcomes helps to demonstrate your expertise effectively.

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How would you approach a new business problem using data analysis?

Approach this question by detailing a systematic method: define the problem, gather relevant data, apply the appropriate analytical techniques, and then interpret the results. Providing an example from past experiences makes your approach relatable and demonstrates your analytical mindset.

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What is your experience with collaboration across diverse teams?

Emphasize the importance of communication and teamwork in your previous roles. Share a specific instance where your collaboration with Product Managers, Engineers, and analysts yielded successful outcomes. Highlight how this collaborative effort improved model deployment or risk management.

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What programming languages and tools are you proficient in?

Discuss the programming languages you have used, such as Python or R, and the libraries or frameworks relevant to machine learning, like TensorFlow or Scikit-learn. It’s also great to mention any experience with data visualization tools or cloud platforms that enhance your modeling endeavors.

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How do you ensure the accuracy and reliability of your models?

Detail methods you implement for model validation, such as cross-validation, performance metrics tracking, and adjustments based on feedback. Discuss your approach to continual model improvement and adhering to best practices in model management.

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What challenges have you faced in model deployment and how did you address them?

Describe a specific challenge you've encountered during model deployment, be it technical compatibility, data integrity, or cross-team communication. Highlight the steps you took to overcome these challenges and the positive impact of your solutions.

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Can you give an example of how your models have provided business value?

Share an instance where your predictive model significantly impacted a business decision or outcome. Discuss the problem addressed, the model utilized, and quantify the positive results achieved, such as reduced fraud, increased sales, or better customer insights.

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How do you stay current with emerging technologies in data science?

Talk about your passion for continuous learning by mentioning resources like conferences, webinars, academic journals, and online courses. Demonstrating research into recent trends shows your commitment to professional growth and technological advancement.

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What role does data ethics play in your work?

Discuss your understanding of data ethics and the importance of responsible data handling, especially in sensitive areas like fraud detection. Emphasize adherence to ethical guidelines and how you address any ethical dilemmas in your professional practice.

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What do you enjoy most about data science?

Convey your enthusiasm for data science by highlighting aspects you find most fulfilling, such as problem-solving, creativity in modeling approaches, or the impact of your work on real-world issues. This personal touch can resonate well with interviewers.

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Visa Inc. operates as a payments technology company worldwide. The company facilitates commerce through the transfer of value and information among consumers, merchants, financial institutions, businesses, strategic partners, and government entiti...

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Full-time, hybrid
DATE POSTED
April 21, 2025

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