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 Rules, Compliance and Standards (RCS) is a global group that is tasked with the role of upholding the security and integrity of Visa’s payment ecosystem. This is achieved through the deployment of rules and/or compliance standards. This team works with internal and external stakeholders to further its charter and initiatives.

This position is ideal for an experienced Data Scientist who is passionate about collaborating with business and technology partners in solving challenging data science problems. You will be a key driver in the effort to define the shared strategic vision for the RCS team and defining tools and services that safeguard Visa’s payment systems.

The right candidate will possess strong ML and Data Science background, with demonstrated experience in building, training, implementing and optimized advanced AI models for payments, risk or fraud prevention products that created business value and delivered impact within the payments or payments risk domain or have experience building AI/ML solutions for similar industries.

A successful candidate is a technical leader with the ability to engage in high bandwidth conversations with business and technology partners and be able to think broadly about Visa’s business and drive solutions that will enhance the safety and integrity of Visa’s payment ecosystem. The candidate will help deliver innovative insights to Visa's strategic products and business. This role represents an exciting opportunity to make key contributions to strategic offering for Visa. This candidate needs to have strong academic track record and be able to demonstrate excellent data science and software engineering skills. The candidate will be a self-starter comfortable with ambiguity, with strong attention to detail, and excellent collaboration skills.

Essential Functions

• As a principal data scientist in RCS team, you will help design, enhance, and build next generation fraud detection solutions in an agile development environment.
• Develop ongoing Management Information Systems (MIS) that provides oversight in Visa Ecosystem Risk Programs activity, including trends and discovery tool effectiveness.
• Formulate business problems as technical data problems while ensuring key business drivers are captured in collaboration with product stakeholders.
• Experiment with in-house and third-party data sets to test hypotheses on relevance and value of data to business problems.
• Build needed data transformations on structured and unstructured data.
• Build and experiment with modeling and scoring algorithms. This includes development of custom algorithms as well as use of packaged tools based on machine learning, data mining and statistical techniques.
• Devise and implement methods for adaptive learning with controls on effectiveness, methods for explaining model decisions where necessary, model validation, A/B testing of models.
• Devise and implement methods for efficiently monitoring model effectiveness and performance in production.
• Devise and implement methods for automation of all parts of the predictive pipeline to minimize labor in development and production.
• Contribute to development and adoption of shared predictive analytics infrastructure
• Mentor and train other team members on key solutions
• Able to work on multiple projects and initiatives with different/competing timelines and demands.
• Present technical solutions, capabilities, considerations, and features in business terms. Effectively communicate status, issues, and risks in a precise and timely manner
• Build-out Visa Miscoding Detection models, leveraging AI/ML, that are targeted to the various merchant activities covered under the program
• Help managing the India-based data science COE team that is dedicated to MIS and Analytics for the program
• Significant experience of using Tableau, BI and MSD CRM, including production of reporting and analysis

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.

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
• PhD in Computer Science, Operations Research, Statistics, or highly quantitative field (or equivalent experience) with strength in Deep Learning, Machine Learning, Data Mining, Statistical or other mathematical analysis
• Relevant coursework in modeling techniques such as logistic regression, Naïve Bayes, SVM, decision trees, or neural networks
• Expert in leading-edge areas such as Machine Learning, Deep Learning, Stream Computing and MLOps
• Ability to program in one or more scripting languages such as Perl or Python and programming languages such as Java or Scala
• Experience with Python and Hive
• Excellent understanding of algorithms and data structures.
• Excellent analytic and problem-solving capability combined with ambition to solve real-world problems
• Excellent interpersonal, facilitation, and effective communication skills (both written and verbal) and the ability to present complex ideas in a clear, concise way
• Have great work ethics, and be a team player striving to bring the best results as a team
• Ability to work with internal product development and engineering teams to deliver products on schedule and with great quality. Comfortable in a heavily matrixed organization.
• Familiar with software development methodology, story, and requirements definition
• Strong analytical and problem-solving abilities, ability to use hard data and metrics to back up assumptions and evaluate outcomes
• Ability to juggle multiple priorities and make things happen in a fast-paced, dynamic environment
• Outstanding communication and presentation skills
• Ability to understand both business and technical concepts.
• High level of competence in Python, Spark, and Unix/Linux scripts
• Real world experience using Hadoop and the related query engines (Hive / Impala)
• Extensive experience with SAS/SQL/Hive for extracting and aggregating data
• Experience working with large datasets using tools like Pig or Hive is a plus
• Experience with Big Data and analytics leveraging technologies like Hadoop, Spark, Scala, and MapReduce Deep learning experience with TensorFlow is a plus
• Experience with Natural Language Processing is a plus
• Publications or presentation in recognized Machine Learning and Data Mining journals/conferences is a plus
• Good to have SAS, R, KNIME, Matlab
• Experience with data visualization and business intelligence tools like Tableau
• Modeling experience in card industry or financial service company using for fraud, credit risk, payments is plus
• Proficiency in designing & solving classification/prediction problems using open-source libraries.
• Experience in developing large scale, enterprise class distributed systems of high availability, low latency, & strong data consistency
• Experience in architecting solutions with Continuous Integration and Continuous Delivery in mind
• Own delivery of multiple projects from technical requirements and quality assurance perspective.
• Ability to do high-level system design and workflows to represent the implementation of the requirements
• Experience in design and deployment of technology platforms and tools, covering data solutions and/or workflow tools
• Ability to fully understand technical architecture, APIs and overall system design
• Experience in working with agile lifecycle and/or tracking and process management tools, e.g., JIRA
• Experience in delivering MIS and analytics, including the deployment of AI/ML models
• Self-starter who can communicate with a deep understanding of the company needs and enable people to move forward through complexity
• Proven ability to create processes and implement them to drive top line results
• Demonstrated cross-functional competence, having led/coordinated teams across functional areas in large, matrixed organizations
• A clear record of strategic thinking, sound judgment and superior problem solving in the area of trust and security
• Self-driven with strong leadership skills, with demonstrated excellence in leading diverse teams in a global environment
• Flexible and creative thinker with strong execution skills, generate out-of-the-box solutions, manage ambiguity, anticipate the impact of decisions/initiatives and able to move seamlessly from high level concepts to details
• Hands on experience in building analytical report dashboards using Tableau and Microsoft Technologies (SQL Server, Power BI, Analysis services) to solve business problems.
• Strong experience with Tableau, Power BI, and/or a similar visual analysis technology.
• Strong hold on MS Excel and PowerPoint
• Advanced Excel skills include the ability to produce graphs and tables, use spreadsheets efficiently, and perform calculations and automation to process large volumes of data.

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 0.00 to 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.