Software Engineer - Payments Cryptography - Sr Consultant level

Visa • Highlands Ranch, CO

3d • Hybrid

About The Position

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.

Requirements

• 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.

Nice To Haves

• 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 ISO8583 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 payShield, Atalla/Utimaco). Knowledge of and experience with key generation/rotation, key ceremonies (dual control/split knowledge), secure backup/archival, and firmware management.
• Expertise with payments key management standards and flows: DUKPT, TR 31 key blocks, TR 34 remote key loading, PIN block formats (ISO 0/1/3), PAN masking/truncation, and tokenization approaches.
• Demonstrated ownership of PCI DSS compliance in a switching or authorization platform, including scope reduction, compensating controls, evidence production, and partnering with QSAs. Familiarity with PCI DSS v4.0 control families relevant to switching (e.g., 2, 3, 4, 5, 7, 8, 10, 11, 12).
• Working knowledge of EMV and 3 D Secure implications for cryptography and data flows.
• Strong technical knowledge and proven experience with card network certifications and key exchange processes.
• Familiarity with applicable standards and validations: NIST SP 800 57/56/38 series, FIPS 140 2/140 3, OWASP ASVS. Experience applying these in NonStop/Connex environments.
• Experience building monitoring and incident response for crypto controls (certificate lifecycle, cipher/TLS baselines, key inventory/drift detection) and automating compliance evidence.
• Excellent problem-solving and analytical skills
• Strong communication(both written and verbal) and interpersonal skills
• Experience with end-to-end systems development life cycles and standards in either Mainframe OR Open Systems platform
• Proficiency in analyzing solutions design and requirements documents

Responsibilities

• 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.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees