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About the Role

Lead execution across the full acquiring lifecycle within Visa Acceptance, focusing on financial processing accuracy, scalability, and lifecycle completeness. This is a hands-on role responsible for executing backend platform capabilities across the full acquiring lifecycle. The role owns the system of record for clearing, settlement, funding, pricing, disputes, and risk integration, ensuring financial correctness and operational integrity across the platform.

Responsibilities

Own execution of the end-to-end acquiring lifecycle: boarding → capture → clearing → settlement → funding → reporting
Define and deliver detailed product requirements, APIs, and data models for transaction lifecycle and financial processing
Own settlement and funding logic including interchange, fee calculation, net/gross settlement, and adjustments
Drive reconciliation workflows ensuring consistency between transaction processing, settlement outputs, and reporting
Define and validate interchange qualification logic, pricing constructs, and funding behaviors across lifecycle
Partner closely with engineering on system design, architecture, and delivery of scalable platform services
Identify and resolve financial discrepancies, lifecycle gaps, and data inconsistencies
Collaborate with Risk, Finance, and Operations teams to ensure compliance and operational readiness
Enable scalable, standardized capabilities to support multi-acquirer and multi-region deployment
Use AI/ML, copilots, and agentic tools to accelerate discovery, synthesize requirements, inspect data patterns, summarize operational issues, draft product artifacts, and improve day-to-day execution while maintaining human review and governance

Requirements

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
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
10+ years of experience in payments or financial platform product/program roles
Deep expertise in acquiring, clearing & settlement, funding, and reconciliation
Deep understanding of interchange qualification, merchant pricing hierarchies, and settlement funding methods
Strong experience defining APIs, financial data models, and transaction lifecycle workflows
Experience with settlement engines, ledger/accounting systems, or financial platforms
Experience working with global card schemes (e.g., Visa, Mastercard)
Experience in multi-region acquiring platforms or partner-integrated environments
Excellent written and verbal communication skills engaging both technical and non-technical global audiences
Ability to translate customer needs into measurable business outcomes
Highly autonomous and proactive in driving execution in ambiguous environments
Strong systems thinking with ability to work with APIs, data, SQL, and engage with senior engineering leaders
Collaborative mindset with a passion for working across diverse teams and sharing knowledge

Skills

APIs
Data Models
SQL
Clearing & Settlement
Funding
Reconciliation
Interchange Qualification
Merchant Pricing
Settlement Funding Methods
Transaction Lifecycle Workflows
Settlement Engines
Ledger/Accounting Systems
Financial Platforms
Global Card Schemes
AI/ML
Copilots
Agentic Tools

Location

Office Setting

Work Type

Hybrid (at least 3 days in office)

Experience Level

8+ years relevant work experience with Bachelor's Degree
5+ years relevant work experience with Advanced Degree
2+ years work experience with PhD
9+ years relevant work experience with Bachelor's Degree
7+ years relevant work experience with Advanced Degree
3+ years work experience with PhD
10+ years experience in payments or financial platform product/program roles

Education Level

Bachelor Degree
Advanced Degree (e.g. Masters, MBA, JD, MD)
PhD

Salary/Compensations

$152,200 to $270,800 USD per year

Benefits

Medical
Dental
Vision
401(k)
FSA/HSA
Life Insurance
Paid Time Off
Wellness Program

About the Company

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.
If you thrive on rapid growth and enjoy working alongside positive, driven teammates, you’ll feel right at home here.
Help us to uplift everyone, everywhere.
Whether you’re starting your career, pushing your capabilities or are a seasoned professional, learn how we can partner to reimagine the world.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
At Visa, we are driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.
Our evolving technology keeps us at the heart of the digital economy, connecting people to 80+ million businesses worldwide.
Backed by a resilient, proven model, our expanding network fuels growth—for Visa and for your career.
Your journey starts here — discover how we hire
Ready to take the next step?
Learn more about life at Visa, explore our hiring process and get first-hand insights by hearing directly from our recruiters about what to expect.
Apply with confidence today!
Learn our recruiting process

Equal Opportunity

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 protect veteran status.
Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with the EEOC guidelines and applicable local law.