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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, owning the system of record for clearing, settlement, funding, pricing, disputes, and risk integration.

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

• Payments
• Financial platform product/program
• Acquiring
• Clearing & settlement
• Funding
• Reconciliation
• Interchange qualification
• Merchant pricing hierarchies
• Settlement funding methods
• APIs
• Financial data models
• Transaction lifecycle workflows
• Settlement engines
• Ledger/accounting systems
• Financial platforms
• Global card schemes
• Multi-region acquiring platforms
• Partner-integrated environments
• Communication
• Metrics & Impact Driven
• Self-Starter
• Technical Depth
• SQL
• Team Player
• AI/ML
• Copilots
• Agentic tools

Location

• Office setting

Work Type

• Hybrid (at least 3 days in office)

Experience Level

• 8+ years with Bachelor's Degree
• 5+ years with Advanced Degree
• 2+ years with PhD
• 10+ years 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
• May include potential sales incentive payments
• May be eligible for bonus and equity

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.

Equal Opportunity

• 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.