Software Engineer - Cryptography - Sr Consultant level

Company Description

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale - tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world. Join Visa and do work that matters - to you, to your community, and to the world.

Progress starts with you.

Visa's Technology Organization is a community of problem solvers and innovators reshaping the future of commerce. We operate the world's most sophisticated processing networks capable of handling more than 65k secure transactions a second across 80M merchants, 15k Financial Institutions, and billions of everyday people. While working with us you'll get to work on complex distributed systems and solve massive scale problems centered on new payment flows, business and data solutions, cyber security, and B2C platforms.

We are looking for a versatile, curious, and energetic Software Engineer - Senior Consultant level who embraces solving complex challenges on a global scale. As a Visa Engineer, you will be working on multiple projects and work as an integral part of a cross‑functional development team. This position is for an Engineer focused on Cryptography and Security related enhancements to a Switching System processing Debit Transactions.

This collaborative, team‑based role will require a close working relationship with Product owners, Software Architects, Quality Assurance, Technical Writers, UI Designers, and other Software Engineers.

• Work on Security/Encryption related enhancements to a switching application.
• Prepare technical documents, develop code, review code, build environment, review test results, and prepare plan for implementation for Security related enhancements.
• Analyze technical impact, stability, and functionality due to any custom change.
• Evaluate code to ensure it is valid, meets industry standards and is compatible with devices and/or operating systems.
• Confer with management or development teams to prioritize needs, resolve conflicts, and help choose solutions.
• Develop or validate test routines and schedules to ensure that test cases mimic external interfaces.
• Lead design reviews and provide guidance to junior team members who are participating in design reviews.
• Review design documentation with engineering team members, senior project members, and architects to validate design for completeness and ensure alignment with requirements across an application, project, or product.
• Proactively identify defects in software code and isolate/contain the defects to prevent customer impact.
• Build partnerships with product management to ensure that the products being built deliver real value.
• Identify problems uncovered by testing or customer feedback and correct problems.
• Work directly with product owners to gather and refine requirements across products, adding and taking into account existing tools and solutions across the organization.
• Develop and design advanced architect solutions that are robust and scalable, considering integrations with other solutions across the internal technical ecosystem.
• Provide domain expertise on the development of technical documentation of solutions and contribute to standard processes in technical documentation as needed.
• Play a key role in the development and delivery of new features across products from end‑to‑end.

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

Visa will accept applications for this role until at least January 11. If this is posting, we are still accepting applications.

Visa is not offering relocation assistance for this role.

Basic Qualifications:

• 8+ years of relevant work experience with a Bachelor's Degree or at least 5 years of experience with an Advanced Degree (e.g., Masters, MBA, JD, MD) or 2 years of work experience with a PhD, OR 11+ years of relevant work experience.

Preferred Qualifications:

• 9 or more years of relevant work experience with a Bachelor Degree or 7 or more relevant years of experience with an Advanced Degree (e.g., Masters, MBA, JD, MD) or 3 or more years of experience with a PhD.
• Strong Payments Systems knowledge.
• Proven experience as a developer or similar roles in a payments system.
• Good understanding of ISO
  8583 message formats.
• Knowledge of financial industry practices, regulations, and operations.
• Hands‑on experience designing and implementing encryption for high throughput payment switching, including AES GCM or similar authenticated encryption, secure key storage, and hardened TLS (TLS 1.2/1.3, mTLS).
• Practical experience working with HSMs in card payments environments (e.g., Thales pay Shield, Atalla/Utimaco). Knowledge of and experience with key…