Data Scientist / Data Engineer, Fraud Modeling Team

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.

Essential Functions

• Execute model development and performance tracking for risk models, generate performance analysis at the aggregate level, as well as issuer level. Interpret and present performance results to non technical audience.
• Compile complex predictive model packages for production deployment, support model installations, and monitor and calibrate production models
• Propel analytic product development via conducting statistical analyses on various data sources, and add values to products by being innovative and applying the analysis
• Find opportunities to create and automate repeatable analyses or build self service tools for business users
• Support sales and business efforts with sound statistical and financial analysis, execute ad hoc analyses to meet the fast changing market demands
• Conduct transaction data analyses with Hadoop, Cloud and big data technologies for internal and external product owners, and develop deeper insights into the products using advanced statistical methods
• Ensure project delivery within timelines and meet critical business need
• Promote big data innovations and analytic education throughout the Visa organization

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 3 set days a week (determined by leadership/site), with a general guidepost of being in the office 60% or more of the time based on business needs.

Basic

• 2 or more years of work experience with a Bachelor’s Degree or an Advanced Degree (e.g. Masters, MBA, JD, MD, or PhD)

Preferred

• 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)
• A Master's Degree in a quantitative field, such as Statistics, Mathematics, Operational Research, Computer Science, Economics, or Engineering
• Successful internships or 6 month of experience in a predictive modeling function
• Preference given to candidates with multiple years working experience in predictive modeling functions
• Candidates with a PhD in a quantitative field, such as Statistics, Mathematics, Operational Research, Computer Science, Economics, or engineering preferred
• Strong background in two or more of the following areas: machine learning, AI algorithms, computations, statistical learning theory, scalable systems (e.g. Spark, Hadoop), large scale data analysis, optimization, functional analysis and deep learning.
• Experience with a range advanced techniques and emerging approaches to big data and data science (Python, Spark, TensorFlow, H2O, Dask, etc),extensive experience with SQL, Hive for extracting and aggregating data
• Good oral and written communication skills and attention to details
• Must be a team player and capable of handling multitasks in a dynamic environment
• Visa and financial, payment industry knowledge or previous experience with fraud modeling is a plus, but not required
• Solid understanding of key concepts of deep learning models, such as embedding, CNN/RNN/Transformer, Hidden States, Attention, Positional Encoding, Batch Normalization, Dropout, Optimizers, Loss Functions, Hyperparameter Tuning, etc.
• Functional Data Engineering skills: Experience working in Linux/Unix environment and exposure to command line utilities; Software Development experience in one or more of the following language: Python, SQL, Java, Golang, Rust, and C/C++; Hands-on experience working with large scale data ingestion, processing, and storage in the Hadoop ecosystem; Experience in writing and optimizing SQL queries in big data environment; Experience working with scheduling tools (Airflow, Control-M) and building data processing orchestration workflows.

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 116,500 to $148,500 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.