Visa · 19 hours ago
Software Engineer - Payments Cryptography - Sr Consultant level
Highlands Ranch, CO
Full-time
Hybrid
Senior Level, Lead/Staff
$144K/yr - $230K/yr
8+ years expVisa is a world leader in payments technology, facilitating transactions globally. The role involves working on complex challenges related to security and encryption enhancements for a switching system processing debit transactions, collaborating with cross-functional teams to deliver impactful solutions.
BankingFinanceFinancial ServicesInformation TechnologyMobile PaymentsPayments
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
Qualification
Required
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
Preferred
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
Benefits
Medical
Dental
Vision
401 (k)
FSA/HSA
Life Insurance
Paid Time Off
Wellness Program
Company
Visa
Visa is a multinational financial services company that facilitates electronic payment systems throughout the world.
10001+ employees
H1B Sponsorship
Visa has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (459)
2024 (424)
2023 (416)
2022 (515)
2021 (351)
2020 (407)
Funding
Current Stage
Public CompanyTotal Funding
unknownKey Investors
TNB Financial Services
2016-09-10Post Ipo Equity
2008-03-19IPO
Leadership Team
Ryan McInerney
Chief Executive Officer
Chris Suh
EVP & Chief Financial Officer
Recent News
Payments Dive
2026-01-08
2026-01-08
2026-01-07
Company data provided by crunchbase