Lead SW Engineer

About Us 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. Job Description Job Summary: The Acceptance Solutions Product Development team is responsible for a portfolio of products that diversify Visa’s revenue, differentiate our network, and deliver value-added solutions across payment rails. As part of Visa’s broader strategy to increase total merchant value, the team develops solutions that address complex and emerging needs for merchants and acquirers, while helping clients navigate the evolving digital commerce landscape with greater flexibility, resilience, and agility. The goal of the Visa Acceptance Platform is to be the world’s most open payment acceptance platform by delivering market-leading, globally relevant, omnichannel acceptance capabilities through open, composable, modular APIs built with Visa-grade resilience, security, maintainability, and scale. We are seeking a hands-on technical leader to provide technical leadership across the teams building Visa’s Processing platform. The ideal candidate brings deep hands-on experience in distributed systems, high-throughput payment processing, transaction lifecycle workflows, event-driven architecture, secure software design, cloud-native platforms, operational resilience, and modern engineering practices. This person will look across multiple engineering mission teams to ensure the platform is architected, integrated, delivered, and operated as a coherent end-to-end capability, while remaining close to day-to-day engineering execution including architecture decisions, design reviews, code reviews, debugging, production readiness, operational troubleshooting, and technical mentoring. The candidate should be comfortable working across payments, transaction lifecycle management, batch and real-time processing, secure integration, cloud-native platforms, AI/ML-enabled engineering practices, and mission-critical production environments. Essential Functions: Serve as the hands-on technical lead across the teams building the platform within Visa Acceptance, providing technical direction across architecture, design, integration, implementation, scalability, resiliency, security, and operational readiness. Design and evolve secure, reliable, and scalable platform capabilities that support core transaction workflows, lifecycle visibility, operational insight, reporting, reconciliation, and business-critical processing at scale. Provide technical leadership across platform services, integration layers, data flows, user experiences, analytics, and cross-team dependencies to ensure teams build toward a consistent end-to-end platform architecture. Remain actively hands-on with architecture, design reviews, code reviews, proof-of-concepts, performance analysis, debugging, technical troubleshooting, and production-readiness decisions on a day-to-day basis. Set technical direction for core platform capabilities, integration patterns, event flows, lifecycle services, reporting APIs, observability, operational controls, and production support in alignment with product, platform, security, user experience, and business objectives. Lead technical design for event correlation, transaction matching, capture-to-clearing handoff, settlement state management, retry handling, dead-letter queues, replay, idempotency, exactly-once processing considerations, batch file movement, and high-throughput data movement. Partner with application, payment platform, data, product, architecture, security, privacy, risk, governance, operations, and partner-integration teams to deliver solutions that meet functional and non-functional requirements, including security, latency, availability, compliance, maintainability, auditability, and operational readiness. Apply AI/ML, Generative AI, automation, and intelligent engineering practices to improve software delivery, platform observability, reconciliation insight, operational troubleshooting, developer productivity, and business outcomes across the platform. Mentor senior engineers and technical leads through design reviews, architecture discussions, hands-on problem solving, technical deep dives, brown bag sessions, and production troubleshooting. Communicate technical strategy, tradeoffs, risks, dependencies, and recommendations clearly to executive leaders, product partners, architecture forums, and engineering teams. Drive engineering improvements that strengthen reliability, performance, observability, maintainability, developer productivity, operational excellence, and production support across core platform capabilities. Influence technical strategy across teams without relying on formal reporting authority, using strong engineering judgment, collaboration, credibility, and hands-on technical depth. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager. Qualifications Basic Qualifications: 10+ years of relevant work experience with a Bachelor’s Degree or at least 7 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 4 years of work experience with a PhD, OR 13+ years of relevant work experience. Preferred Qualifications: Specialist: 4 or more years of relevant work experience. 15 years of experience with progressive technical leadership responsibilities and broad influence across platforms, products, or engineering organizations. Demonstrated track record as a hands-on technical le