Visa is a world leader in digital payments, facilitating more than 215 billion payments transactions between consumers, merchants, financial institutions and government entities across 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.

When you join Visa, you join a culture of purpose and belonging – where your growth is priority, your identity is embraced, and the work you do matters. We believe that economies that include everyone everywhere, uplift everyone everywhere. Your work will have a direct impact on billions of people around the world – helping unlock financial access to enable the future of money movement.

Join Visa: A Network Working for Everyone.

Visa has the world’s largest consumer payment transaction dataset.  We see data on over 200 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 Models (VPM) team develops and maintains predictive machine learning models to primarily support Visa Security and Identity Solutions and Cardinal Commerce. Using mostly 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, credit underwriting, etc. Through our models and services, VPM fuels the growth of Visa clients, generates and diversifies revenues for VISA, greatly improving Visa Card customer experience and their financial lives.

This is an Individual Contributor role.  On this role, you will

• Build and validate cutting-edge predictive models with advanced machine learning techniques such as Gradient Boosting, Deep Neural Networks (e.g., RNN) and Graph Modeling to ensure security of Visa’s Real Time Payment (RTP) Risk as a Service (RaaS) and other use cases
• Write and test complex predictive model software packages for model production deployment
• Work with a cross functional team including Product Managers, Data Engineers, and Platform Engineers to deploy model in production
• Provide model operation support, including model monitoring, score calibration, etc.
• Conduct research in latest and emerging modeling technologies and adopt in production models
• Conduct and present model ad-hoc analysis to internal and external clients
• Manage model risks in line with Model Risk Management requirements.

Flex Work Arrangement - Hybrid Position - 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 two days a week, Tuesdays and Wednesdays with a general guidepost of being in the office 50% of the time based on business needs.

Basic Qualifications

• 8 or more years of relevant work experience with a Bachelor 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

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, in a quantitative or engineering field
• Experience with production model development, implementation, and operation
• Experience in deep neural network (e.g., RNN, CNN) and/or graph data science
• Experience in an Agile development
• Proven ability to quickly learn and apply new Machine Learning techniques and tools
• Must be a team-player and capable of handling multi-tasks in a dynamic environment
• Excellent business writing, verbal communication, and presentation skills
• Excellent project management skills

Technical Qualifications

• Proficiency in Python, Hadoop, Spark, TensorFlow for big data analysis and modeling
• Experience with script and shell programming in Unix/Linux
• Experience with using GitHub for data science projects

Visa has adopted a COVID-19 vaccination policy to safeguard the health and well-being of our employees and visitors. As a condition of employment, all employees based in the U.S. are required to be fully vaccinated for COVID-19, unless a reasonable accommodation is approved or as otherwise required by law.

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.