Company Description

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.

Job Description

In Ecosystem & Operational Risk group, Payment Fraud Disruption team is responsible for building critical risk and fraud detection and prevention applications and services at Visa. This includes idea generation, architecture, design, development, and testing of products, applications, and services that provide Visa clients with solutions to detect, prevent, and mitigate fraud for Visa and Visa client payment systems. 

The candidate for this role need to have 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.  

To be successful in this role, the candidate need to be 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 software engineering skills. The candidate will be a self-starter comfortable with ambiguity, with strong attention to detail, and excellent collaboration skills. 

The ideal candidate will bring the excitement and passion to leverage Generate AI to advance existing fraud detection mechanisms and to innovate and solve new fraud use cases. This engineer will use code generation capabilities like GitHub copilot to drive efficiencies in software development. 

Essential Functions 

• As a ML Scientist - Sr. Consultant you will help design, enhance, and build next generation fraud detection solutions in an agile development environment. 

• Formulate business problems as technical data problems while ensuring key business drivers are captured in collaboration with product stakeholders.  

• Work with software engineers to ensure feasibility of solutions. Deliver prototypes and production code based on need. 

• 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 un-structured 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 ML scientists on the team 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 

• Collaborate across engineering teams and leaders in Ecosystem& Operational Risk, Visa Research, AI Platform, Operations, and Infrastructure (O&I), security and platform teams. 

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.

Qualifications

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
Expert in leading-edge areas such as Machine Learning, Deep Learning, Stream Computing and MLOps
High level of competence in Python, Perl, Java, Scala, and/or Unix/Linux scripts highly preferred
Extensive experience with SAS/SQL/Hive for extracting and aggregating dat
Experience with Big Data and analytics leveraging technologies like Hadoop, Spark, Scala, and MapReduce
Deep learning experience working with TensorFlow and Natural Language Processing experience are highly preferred.
Experience with one or more common statistical tools such SAS, R, KNIME, Matlab
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
Familiarity with in distributed in-memory computing technologies

Additional Information

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 145,400.00 to 210,850.00 USD 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.