Software Engineer III (Backend) - job 1 of 3

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 is seeking a highly motivated and skilled Backend Software Engineer III  to join our Value Added Services PD Organization. As a key member of our team, you will play a critical role in developing innovative solutions that enhance transaction management for merchants, proactively address disputes, and integrate advanced technologies to drive smarter decision-making.

In this role, you will develop scalable, high-performance software solutions, integrate AI/ML technologies, and collaborate with cross-functional teams to build secure and reliable products that meet the evolving needs of our clients. You will have the opportunity to shape the platform’s future while ensuring that our products support high availability and operational excellence.

Essential Functions: 

• Platform Development: Develop and maintain scalable, high-performance software for the Post-Purchase Solutions platform, supporting four key products.
• Dispute Management: Build solutions to help merchants prevent disputes, quickly resolve them, and provide defense strategies against chargebacks, with an emphasis on proactive dispute resolution.
• AI/ML Integration: Contribute to the development of AI/ML features such as predictive scoring for dispute probability and merchant success, as well as AI-driven workflow management for dispute resolution.
• Collaboration & Leadership: Work closely with cross-functional teams, including product managers, data scientists, and engineers, to build new products, enhance existing offerings, and support the growth of the platform.
• Agile Methodology: Work in an Agile environment following SAFe methodology and Scrum framework, participating in two-week sprints with a globally distributed team.
• Shared Services: Contribute to the development of underlying shared services such as user management, workflow management, and onboarding.
• Continuous Improvement: Drive improvements in code quality, performance, and scalability, ensuring alignment with Visa’s best practices and SDLC standards.

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.

NOTE: This role does not support relocation, and we offer limited immigration sponsorship.

Basic Qualifications

• 5+ years of relevant work experience with a Bachelor’s Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD, OR 8+ years of relevant work experience.

Preferred Qualifications

• 6+ years of experience with a Bachelor's Degree in Computer Science or related field, or 4+ years of experience with an Advanced Degree, or up to 3 years of relevant experience with a PhD.
• Experience in software development, including backend web applications using Java, Spring Framework, React, and JavaScript.
• Strong knowledge of RESTful API design, development, and integration.
• Expertise in building responsive Single Page Applications (SPA) that consume REST services.
• Knowledge of Object-Oriented Programming, Service-Oriented Architectures, and Distributed Systems Design.
• Experience with Agile development methodologies, Continuous Integration, and Continuous Delivery using tools such as Git, Jenkins, Maven, and SonarQube.
• Working experience with Kafka, Spark, and Hadoop is a plus.
• Understanding of data structures, databases, and data integration processes.
• Familiarity with security practices, including authentication and authorization, and ensuring compliance with industry standards.
• Exposure to container-based technologies and cloud platforms.
• Knowledge of CI/CD tools, including Jenkins Pipeline, Git, and JIRA.
• Strong understanding of GenAI adoption and its application in software development.

Visa is committed to fostering an inclusive work environment and building a team that reflects the diversity of our global customer base. If you are passionate about engineering excellence and driving meaningful impact, we encourage you to apply.

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 124,700.00 to 180,650.00 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.

Visa has limited immigration support for this role.

Visa is not offering relocation assistance for this role.