Visa Inc.

Director, Business Development Executive, B2B Fintech Acquirers The Visa Commercial Solutions (VCS) team creates and delivers products to Visa clients and accelerates the seamless delivery of our products. Our team provides an opportunity for Visa to diversify its revenue with differentiated products and solutions that deepen customer relationships and deliver innovative solutions across other networks. We are fueled by a diverse team of talented members who continuously raise the bar on delivering best-in-class products and services to people worldwide. VCS has high growth ambitions, aiming to more than double our business over the next five years. This role offers a unique opportunity to expand sales beyond core Visa offerings in the dynamic payments industry. This position will partner with high-growth acquiring clients to meet ambitious targets for new commercial card acceptance, focusing on ecommerce. The scope covers the Pan-EU region and requires travel to meet key clients. Business payments represent the largest untapped opportunity for Visa in Europe, and this role is central to onboarding new flows onto the Visa network. Working in an agile environment, the successful candidate must be proactive in achieving goals and adaptable to new information and opportunities. Key Responsibilities: Lead prospecting and customer acquisition strategies with acquirers; collaborate with acquirers to promote the benefits of card acceptance to end customers and businesses. Focus on increasing new B2B card acceptance in ecommerce; identify opportunities with acquirers and relevant players like marketplaces. Work closely with Account Executives; coordinate opportunities within the overall customer success and account plans, and develop new relationships. Understand acquirers' pain points and needs; develop compelling propositions for acceptance and issuing. Possess knowledge of B2B payment needs across various business sizes; understand acquiring and commercial banking dynamics. Articulate the benefits of commercial card payments; including working capital, fraud reduction, and frictionless transactions. Innovate deal structures; think creatively beyond conventional approaches. Research market and customer trends; identify new clients and opportunities for acceptance and issuance by non-traditional clients. Assess deal potential; leverage Visa's solutions knowledge and coordinate with cross-functional teams to advance deals. Adopt a client-first sales approach; create tailored, differentiated solutions to grow Visa and client businesses. Negotiate with awareness of deal margins; sell based on value to close deals efficiently. Utilize internal and external partnerships; to deliver the best of Visa to clients. This is a hybrid role. The in-office schedule will be confirmed by your Hiring Manager. Experience: Senior-level B2B sales experience in acquiring and card payments. Experience working with or selling to high-growth fintech acquirers, B2B software platforms, and ISVs. Experience engaging with Treasurers, Finance, and Procurement leaders on working capital, ROI, and financial impact. Knowledge Areas: Deep understanding of sales cycles and stages. Skills and Competencies: Ability to lead new customer acquisition activities and manage the entire sales cycle. Collaborative skills to work across internal teams and external partners. Passion for Commercial Payments, Fintech, and Acquiring industries. Strong relationship-building, resilience, and goal-oriented execution skills. Visa is an Equal Opportunity Employer. Qualified applicants will be considered regardless of race, color, religion, sex, national origin, sexual orientation, gender identity, disability, or veteran status. Visa also considers qualified applicants with criminal histories consistent with EEOC guidelines and applicable laws.

Job Description: Senior Product Engineer - Solution Validation Growth (SVG) The newly formed Solution Validation Growth (SVG) team within Consumer Payments is seeking a technically inclined individual with a passion for product ownership to help us grow and launch new features and services. This role reports to the Validation vertical within SVG. The Senior Product Engineer will have hands-on experience and responsibilities including: Collaborating closely with Visa's technology and product teams to understand new business initiatives and their impact on client projects, and building the Validation platform for Sandbox and Production environments. Designing and developing proof of concept to validate user interaction flows documented in service blueprints created by UX designers, Product, and Solution Architects. Applying business and systems thinking to analyze proof of concept outputs and generate insights to improve the service blueprint. Utilizing knowledge of best-in-class and inclusive user experience and the latest UX technologies to ensure the service blueprint offers the best possible experience. Demonstrating the value of prototyping in the design and validation process. Creating detailed technical documentation, including architectural flows and sequence diagrams for prototypes. Leading technical discussions with clients and partners on UX and technical flows. Staying updated on the latest UX technologies and exploring their utilization. Developing strong partnerships with product and design teams to evaluate and validate cutting-edge technologies that enhance UX. Evaluating Visa and partner integration models to ensure a top-tier developer experience. Being recognized as a subject matter expert in UX technologies within product, design, and technology teams. Collaborating with engineering teams to build scalable, reliable payment processing platforms. Building positive relationships with stakeholders. Defining product and technical requirements, including writing clear user stories for complex features. Working closely with development and QA teams to ensure products meet business requirements. Supporting compliance, security, and quality standards for Visa deliverables and the payment ecosystem. Participating in daily scrum meetings. This role may require after-hours work, including late evenings and weekends, for client and company configuration changes and post-production validation. Minimum requirements include: 8+ years of experience with a bachelor's degree or 6+ years with an advanced degree in software engineering or related fields. Ability to build front-end and back-end applications from scratch. Expertise in web service standards (REST, SOAP, gRPC, etc.) and database technologies. Experience in software development lifecycle in e-commerce or web environments. Proven experience with large-scale, highly available web or mobile applications. Strong analytical, problem-solving, and data-driven decision-making skills. Experience with identity solutions (OAuth, OpenID Connect, SAML, security tokens) and cryptographic knowledge. Familiarity with scripting for API testing tools like Postman. Knowledge of Design Thinking, Jira Align, project management principles, and Agile methodologies. Hands-on experience in product roadmaps, user stories, backlog grooming, and requirement prioritization. Excellent client-facing communication skills. Curiosity and interest in solving problems with a data-driven approach. Ability to adapt to changing priorities and contribute to broader team success. Visa is an equal opportunity employer, considering qualified applicants without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability, or veteran status. We also consider qualified applicants with criminal histories in accordance with EEOC guidelines and local laws.

The Network Integrations Team for Accounts in Visa Direct is responsible for the seamless integration of Visa Direct services with various financial institutions and payment network partners. We enable cross-border payments across the world ensuring that Visa Direct's capabilities are effectively deployed, maintained, and optimized to facilitate quick, secure and reliable transactions. This is a Business Analyst role focusing on supporting and completing key service integration activities, gathering and interpreting business requirements and identifying and building improvements to Visa's cross border network offering. What we expect of you, day to day Act as a liaison between internal stakeholders (e.g. Product, Engineering, and Operations teams) and external partners to gather, clarify, and communicate business requirements. Analyse partner specifications and data mapping across various wallet partners, contributing to API service design and assess their impact on business processes. Identify and document key requirements for integrating new partners, enabling our operations team to manage the product effectively, while ensuring a seamless client experience. Develop solution documentation based on partner workshops during the build phase to facilitate business operations post-launch. Collaborate to set standards and improve data practices across Visa Direct and refine requirements for Payment Network partner integrations. Present complex and critical network feature demos to relevant Visa Direct stakeholders during sprint demos. Drive the standardisation of business and integration analysis across multiple markets and countries. Engage in agile/scaled agile ceremonies, such as sprint planning and daily stand-ups while supporting product owners with backlog refinement. 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. Minimum Requirements Proven experience as a Business Analyst in financial services, fintech, or payment solutions industries. You have demonstrable experience across multiple systems and project types within the financial services/payments industry, ideally in cross border payments, with a good understanding of payment message standards and rules, payment schemes incl. mobile wallets, payment processing technologies and regulations. You have good technical understanding of web applications and APIs including swagger, XML, JSON schemas, to help the team integrate with other providers and to design our technical system in the best way. Proven experience working in an Agile methodology environment (e.g. SCRUM, DSDM, Lean/Kanban) and ideally scaled agile methodology. Good technical understanding of web applications and APIs. Great intellectual agility and attention to detail. Experience with Jira Confluence tool. Strong written and verbal communication skills including technical writing skills. Strong problem-solving skills to address data-related issues and optimize data processes. 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.

The Finance Director for Marketing will play a critical role in setting, shaping and tracking investments in Europe and in supporting growth of Marketing Services to clients. They will provide strategic financial leadership to the Chief Marketing Officer and her team, ensuring alignment with Visa's business objectives and 2030 strategy. The scope will cover campaigns funded by Visa's core budget, Innovation & Market Development (IMD) fees and Client Value In Kind (VIK), including Sponsorships. This will involve working closely with senior stakeholders and finance teams in Europe sub-regions. The role requires a deep understanding of financial analysis, forecasting and partnering and strong commercial acumen, with the desire and ability to challenge the status quo to improve efficiency, effectiveness and business performance. Responsibilities include: Business Partnering Partner with the Marketing Leadership Team in Europe to drive strategic financial planning and decision-making, ensuring alignment with Visa's business objectives, and clear accountability for spend and intended business outcomes. Partner with Marketing Services on the delivery of Value In Kind to clients and IMD-funded delivery, and articulate the revenue and cost trajectory against the 2030 Strategy. Maximise value achieved by driving commercial thinking across the function and influence outcomes by providing challenge and support, ensuring decisions are commercially sound and in the best interests of VISA and our clients. Provide insights and effective Decision Support on key performance metrics, investment proposals and opportunities for strategic initiatives by executing the necessary analysis, business case modelling and forecasting. Budget and Forecast Lead the preparation of an annual budget and outer year forecast for the Marketing function. Marketing has the largest opex budget among European functions. Marketing VIK and IMD is a significant contributor to Value-Added Service revenues. As such, work closely with the FBPs for VIK and IMD, and build an understanding of VIK and IMD drivers and governance, including IMD opex reclassification and incentives - ensuring accurate, timely and efficient sharing of information. Work with the Senior Directors for Opex and VAS on multi-year cost projections and quarterly refreshes of current year cost and revenue forecasts. Analyse and provide explanations for variances in monthly actuals or quarterly forecasts versus Budget. Tools & Processes Lead the preparation and analysis of financial reports to Marketing, and ensure a seamless and timely flow of data with the Europe VAS Finance team and Global Marketing finance team. Become an expert in finance processes relating to Marketing (Core, VIK and IMD), in collaboration with Controllership and the VAS Finance team. Develop and share a vision for improvements in management information for Marketing. This role will report to the Senior Director, Europe FP&A, for whom they will need to provide cover. There is also potential for this role to grow to include more IMD activities, in which case they would be supported by at least one manager. 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. Minimum Requirements: Bachelor's degree in Finance, Accounting, Business Administration, or a related field. An MBA or relevant professional qualification (e.g. ACA, CIMA, ACCA or equivalent) preferred. Senior Business Partnering experience. Proven ability to build and cultivate effective relationships with senior executives and act as a credible peer within the business and the Finance function at a regional and global level. Experience of partnering with a Marketing function preferred. Exceptional commercial focus, with a record of analysing business performance, identifying trends and issues, and challenging the norm. Familiarity with client incentives and 'value in kind' structures desirable. Superior analytical and problem-solving skills, with demonstrated intellectual and analytical rigor, and the ability to interpret trends, identify issues and recommend actions. Excellent presentation skills, including strong oral and writing capabilities. Proven self-starter, pro-active and hands-on in their approach to all activities, and creative, resourceful and courageous in driving change and overcoming barriers. A track record of innovation and delivering to deadlines. Strong Excel skills and the ability and confidence to manage large data sets, prepare dashboards and explain and delegate related data management tasks. Data analytics experience and application of data tools (R, Python, SQL) and Finance systems (Hyperion) knowledge are desirable. Broad understanding of the payment landscape and payment products and solutions is desirable. Team-oriented, collaborative, diplomatic, and flexible, with appetite to coach and train others, within the team and among the FBP community, committed to the Visa Leadership Principles. 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.

Key Responsibilities Engage with Account Executives to share intelligence, assess mitigating actions, and ensure clear accountability across functions and/or individuals to drive a consistent and timely remediation approach. Collaborate with data analytics teams in production of headline performance dashboards and detailed 'deep-dive' reports to identify cross-border and acceptance trends and opportunities. Establish an approach for client outreach, deliverables, and post-analysis engagement for clients with sub-optimal risk performance (fraud, disputes, or illegality), acceptance rates, and cross-border processing rates. Deliver tangible, revenue-enhancing guidance and remedies to client processing and risk management controls, improving acceptance rates and cross-border processing in key sectors. Conduct deep-dive on-site client performance reviews and engagements, coordinating with key stakeholders within the client and internally within Visa. Through risk engagements, identify consultancy and sales-related opportunities at clients, providing detailed assessments of the opportunities to Visa Account Executives and Risk Managers. Maintain awareness of payment industry developments, including developing products, payment methods, and systems. Knowledge & Experience Strong Visa or Payments industry experience, with a focus on payment risk management, systems, and processes. Experience in designing and implementing risk mitigation strategies at card issuers or acquirers. Knowledge of the major trends within the UK and wider European payments system and/or financial services industry. Strong understanding of ecosystem risk threats (illegality, fraud, disputes) impacting the Visa payments system and mitigation strategies that can be employed by merchants, third parties, and Visa clients. Tangible, practical experience of client and consumer onboarding systems, transaction monitoring (rule-based, machine learning, and AI functionality), and case investigations. Personal Characteristics Excellent data analytical skills, and an eye for detail. Ability to prepare/review/deliver executive-level communications, both written (papers and presentations) and oral (to large and small audiences). Comfortable providing business-aware challenge. Ability to work independently with minimal oversight, taking projects through from inception to delivery. Willingness to travel in order to perform on-site reviews and client engagement across the Europe region. Flexible and creative thinker with strong execution skills, able to generate out-of-the-box solutions, manage ambiguity, anticipate the impact of decisions/initiatives, and move seamlessly from high-level concepts to details. Self-driven with strong organisational skills, demonstrating excellence in managing operation programs. Self-starter who can communicate with a deep understanding of company needs and enable people to move forward through complexity. Ability to influence senior stakeholders (e.g., global and European within the Visa business) to identify and improve programs, processes, and procedures. Intellectual rigour and business acumen needed to make sound judgements and handle complex problems and unique risks. Regarded as an expert in their field and an agent for change. 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. 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.

The Counsel (Client Incentives) (Fixed-Term) role sits within a supportive, hard-working and fun Commercial Legal Team, who manage a range of commercial legal matters for Visa including client incentive agreements, contracts for the supply of value-in-kind services, sponsorship and marketing, technology, IP, product, Visa membership and related matters. This Team is part of a larger Legal, Ethics and Compliance Division in Visa's Europe region, which also includes legal and compliance specialists covering competition, UK and EU regulatory, corporate and data privacy. The Division has consistently had some of the highest engagement scores and prides itself on a creative, collaborative, can-do approach. This role supports the Commercial Legal Client Incentives team and is based in London. The Counsel (Client Incentives) (Fixed-Term) will be responsible for leading the delivery of efficient, effective and high quality legal support to the business on client incentive agreements and related matters. Key Responsibilities Deliver legal support (including drafting and negotiation support) on client incentive agreements and related matters, including global and pan-regional agreements, novel incentive structures and new types of client partners. Work with the Senior Managing Counsel, Commercial Law to determine the strategy for the delivery of legal support in relation to client incentive agreements and design and implement changes to ways of working as a result. Build relationships with key business partners, working closely with them to meet their business needs in terms of legal support in an efficient way. Play an active part in contributing to the development of the global deals process for incentive agreements. Actively look for opportunities to streamline and improve the delivery of legal support in relation to client incentive agreements and work with the Senior Managing Counsel, Commercial Law and other teams as required to implement changes. Identify competition/anti-trust, data protection and other regulatory issues, and liaise when necessary with internal members of the Legal, Ethics and Compliance Division, and/or external counsel. Work closely and collaboratively with other teams engaged in incentive deals, in particular the Client Incentives Finance Team and the Client Services Team, and identify opportunities for knowledge sharing. Manage day-to-day legal queries and business deals, taking the lead on all relevant legal activities. Actively identify and deliver training to the business on law, processes and policies. Proactively contribute to the Legal, Ethics and Compliance Division's planning, cohesion, consistency in advice, and the general efficiency and effectiveness of the division as a whole. Play a part in the life of Visa's Legal, Ethics and Compliance Division, building relationships and engaging with divisional initiatives as appropriate. Essential Skills: •Qualified lawyer in England & Wales with ideally 5+ years PQE. We will consider candidates who have qualified in other jurisdictions. •Previous substantial and demonstrable commercial legal subject-matter expert experience. •Strong academics and training including legal drafting and negotiating, and relationship management. •Excellent written and oral communication skills along with a demonstrated ability to collaborate with internal and external stakeholders. •Demonstrable analytical capabilities and attention to detail. •Ability to work in a team environment as well as on own initiative. •Ability to prioritise and manage a varied and busy workload. •Positive attitude, high level of integrity and intellectual curiosity. •Fluent in English. Desirable Skills: •In-house experience (secondment or permanent role). •Previous experience of working within a technology and digital legal environment. •Knowledge of fintech and payments industry (and applicable regulation). •Previous experience of cross-border and multi-jurisdictional contracts. •Additional European language. 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. 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.

Sr. Data Scientist US A2A Payments & Open Banking As a Sr. Data Scientist, you will report to the Sr. Director of Data Science & Machine Learning and partner with risk, engineering and product to provide cutting-edge decision science to A2A payment risk. The right candidate will possess strong data science and machine learning background, with demonstrated experience in building, training, implementing and optimizing advanced ML models for payments. The successful candidate will have experience in risk management for payments, preferably in open banking, and a solid understanding of both fraud and credit risk. They will be able to partner with product and engineering teams to scope solutions to deliver real time transaction decisioning. This role represents an exciting opportunity to make key contributions to a strategic offering for Visa. The candidate will be a self-starter comfortable with ambiguity, with strong attention to detail, and excellent collaboration skills. Responsibilities: Be an out-of-the-box thinker who is passionate about brainstorming innovative ways to use data to manage risk in open banking Use predictive modeling and mine data from company databases and/or open banking sources to decrease payment losses while optimizing the consumer and merchant experience Assess the effectiveness and accuracy of new data sources and data gathering techniques both from external data and across the Visa network Extract and understand data to improve the understanding of risk and develop visualizations to make your complex analyses accessible to a broad audience Deep understanding of fraud patterns and how to systematically detect and stop fraudsters Develop processes and tools to monitor and analyze model performance and data accuracy including control groups, decline inference techniques, and run time optimization Partner with product and engineering to identify improvements that will reduce the loss exposure or improve the customer experience of A2A Payments Support sales and account management in a consultative manner on optimizing and communicating the risk strategies for individual merchants Build strong relationships with key stakeholders at the working level to execute with excellence and align closely with Visa's risk team. 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. Basic Qualifications 8 years of relevant work experience with a Bachelor Degree or 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+ years of relevant work experience and a Bachelor's Degree or 7 or more relevant years of experience with an Advanced Degree (e.g. Masters, MBA, JD, MD) or 3+ years of experience with a PhD Experience in payment risk management is highly preferred and experience in open banking either in North America, United Kingdom, and/ or Europe (e.g. ACH, BACS, Faster Payments, RTP, SEPA) would be extremely helpful with preference given to US experience Experience with data mining and statistical modeling such as regression, clustering techniques, decision trees, etc. is required and application to payment and/or risk use cases is preferred High level of competence in SQL, Python, Spark/Scala, and Unix/Linux scripts Real world experience using Hadoop and the related query engines (Hive / Impala) for big data processing Ability to construct model features utilizing open-banking data, in-house data, and/or third-party data to enhance rules and models Experience utilizing models and developing features for real time graphical tools and with highly complex networks is highly desired Exposure to creating requirements in partnership with product and engineering teams for data science infrastructure used in real-time transaction decisioning Comfort in working with agile lifecycle and/or tracking and process management tools, e.g., JIRA Good business acumen and experience interpreting data to draw business insights and drive actionable strategies Team oriented, energetic, collaborative, diplomatic, and flexible style Demonstrated intellectual and analytical rigor with strong attention to detail 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.

The Data Science Manager will support the strategy team in Europe. As a member of the data science team, you will need to understand tactical and strategic objectives of the strategy team, identify ways to support the team by creating data science solutions, and deliver them. This role reports to the Strategy Data Science lead and involves collaboration with various Visa departments to understand their requirements and create data-driven solutions. Responsibilities Evangelizes the creative use of data science to solve business problems for our internal functions (e.g., Marketing, Product, Strategy, etc.). This role will mainly support the strategy team. Works with internal teams to drive data science business development opportunities across the organization. Identifies how data science and predictive techniques can be used to enhance client profitability, card, and payments portfolio management across acquisition, usage, and retention. Works with our internal teams on conducting VisaNet data analysis on key metrics to articulate solutions. Creates and delivers powerful business-centric insights from data through better visualization and storyboarding. Collaborates with internal partners to fully understand business requirements and desired business outcomes. Defines detailed analytic scope and methodology, and creates analytic plans. Executes on the analytic plans with appropriate data mining and statistical techniques. Ensures project delivery within timelines and budget requirements. Ensures all project documentation is up to date and all projects are reviewed per analytic plan. Enhances existing solutions and approaches by promoting new methodology and best practices in the data science field. What we're after Graduate/Post Graduate degree (e.g., Master's or Ph.D.) in a Quantitative field such as Statistics, Mathematics, Operational Research, Computer Science, Economics, or Engineering, or equivalent experience. Results-oriented with strong analytical, consultative, and problem-solving skills, with demonstrated intellectual and analytical rigor. Hands-on experience with modern distributed systems, including both Hadoop/SQL and Apache Spark. Hands-on experience with one or more data analytics/programming tools such as R/Python. Experience in the application of predictive modeling and machine learning techniques to business problems. Preferred Qualifications Experience working in the payments industry (bank, credit reference agencies, Fintech) or management consulting firm. Hands-on experience processing extremely large data sets. Knowledge of payment network transactional data is a plus. Team-oriented, collaborative, diplomatic, and flexible style, with the ability to tailor data-driven results to various audience levels. Proven skills in translating analytics output to actionable recommendations and delivery. Fluency in English. 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 Cross-Border Solutions offers deep money movement capabilities to organisations across the globe. Powered by Currencycloud technology, Visa Cross-Border Solutions enhances, streamlines and simplifies integrating the cross-border financial tools of tomorrow. Clients can embed cross-border finance into the heart of their business and create sophisticated and user-friendly app-based experiences, connecting consumers and businesses around the world. Since 2012, the technology behind Visa Cross-Border Solutions has been used to process more than 250bn to over 180 countries, partnering with banks, businesses and fintechs all over the world. This role sits within a fun, supportive and hard-working Legal team, managing a wide variety of commercial legal and regulatory matters. The team supports Visa Cross Border Solutions, a Visa product that provides cross-border payment services to banks, fintechs and businesses. As part of the team, you will ensure that Visa operates within the law at all times and offer counsel on legal issues focusing on UK matters. What we expect of you, day to day: Provide expert legal advice. Draft and negotiate agreements with our partner banks, suppliers and clients. Provide legal advice and support on other commercial matters relating to Visa Cross Border Solutions. Work with other Visa departments across the globe to ensure agreements and advice accurately reflect business needs, risk appetite and Visa policies. Responsible for managing day-to-day legal queries. Work closely with, direct and manage outside counsel. 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. Minimum Requirements: Qualified lawyer with previous experience in a commercial legal environment. We will consider candidates who have qualified in other jurisdictions. Demonstrable experience at a recognised law firm or in-house environment. Strong academics and training, including legal drafting and negotiating, and relationship management. Excellent written and oral communication skills along with a demonstrated ability to collaborate with internal and external stakeholders. Ability to work in a team environment as well as on own initiative. Ability to prioritise and manage a varied and busy workload. Positive attitude, high level of integrity and intellectual curiosity. 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.

Manage the Finance responsibilities for each deal from deal inception to contract signing, including: Modelling particularly complex investment deals, ensuring they fit AE/MS&A/FinTech team and Client expectations, are aligned with the budget and meet all enterprise level criteria where possible. Anticipating conflicts that might arise, preparing alternative scenarios as appropriate. Support the FiaB process, including maintaining up to date FiaB model. Conducting highly technical and complex data analysis, modelling and forecasting aimed at establishing the level of sign on, performance-related and other incentives Visa is prepared to offer to new customers or existing customers expanding their business with Visa. Advising on financial deal structures which are compelling to customers whilst safeguarding Visa's financial and legal position and enabling achievement of growth objectives. Communication of financial risks to management decision makers. Ensuring compliance with Visa's governance. Ensuring approved financial terms are accurately reflected in final contracts. Providing commercial insight and context for CIAs and where required, challenging client assumptions to ensure that a robust view of the clients' current portfolios, future projected growth, and clarification of client requirements which will form the basis upon which Visa will construct offers. Preparation of briefing documents where necessary for executive level stakeholders including global decision-making (GIG and GPIC). Partner with Contract Management, MS&A, Fin Teach team and RMDs/Account Executives to ensure delivery of successful CIAs, ensuring the enterprise level prioritisation is maximised. Works with the legal team in understanding key regulatory and contractual terms that must be adhered to in determining the acceptability of deals. Involvement in the annual budgeting and forecasting process regarding non-traditional incentive deals. 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. Minimum Requirements: • Accountancy Qualification (CIMA/ACA/ACCA) or MBA • Educated to degree level or equivalent • Extensive experience of working in a Finance department, preferably with some experience of Finance support for commercial decision-making. • Demonstrated expertise on payments business. • Substantial experience running complex data analysis and modelling. 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.

The newly formed Solution Validation Growth (SVG) team within Consumer payments is looking for an individual with a technical bent of mind and interest in product ownership to help us continue to grow and launch new features and services. This role reports to the Validation vertical within SVG. The Technical Product Manager requires hands-on experience which includes the following responsibilities: Work closely with Visa's technology and product teams to understand new business initiatives as well as the impact on current and new client projects and build the Validation platform for Sandbox and Production, being the Product owner for the Validation platform. Discuss technical implementation details with architects and other technical teams. Collaborate with engineering teams to build robust, reliable, and scalable payment processing platforms. Proactively identify and recommend opportunities for process improvement resulting in improved efficiency and effectiveness, cost/benefit analysis, and increased customer satisfaction. Build and enhance positive working relationships with internal and external stakeholders. Prepare and maintain detailed project artifacts, including project plans, status reports, meeting minutes, and issues logs in support of client projects and/or initiatives. Manage internal and external project communications (meeting minutes, dashboards, etc.), providing regular and consistent updates to appropriate parties. Report on client project accomplishments and deliverables to management and different stakeholders. Lead the User Acceptance Test strategy. Define product/technical requirements which involve writing clear, thorough, and detailed user stories for complex features and product sets. Work closely with development and QA organizations to ensure technical specifications and final products meet business requirements. Support the development team in building deliverables in accordance with compliance, security, and quality standards for Visa required deliverables and the card payment ecosystem. Participate in daily scrum meetings for the teams executing on projects being driven. This position may require off-scheduled work including late evenings/weekends in support of client and company configuration changes and associated post-production validation. 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. Basic Qualifications: 5 or more years of work experience with a bachelor's degree or 3 or more years of relevant experience with an Advanced Degree in the job offered or in a related product manager, systems analyst, or software engineer occupation. Experience with product management software tools such as Rally and Jira Align. Knowledge of software development lifecycle in an e-commerce or web environment. Technical implementations of medium-large scale, highly available, robust web or mobile applications. Experience in technology design of new solutions. Technical experience in managing products built using Java technologies, API (SOAP & REST), Web & Mobile Development. Hands-on experience in developing roadmaps, writing user stories, grooming product backlogs, and coordinating/prioritizing conflicting requirements in a fast-paced, ever-changing environment. Proficiency working in an agile environment. Experience working in the Payments space. Skills/Preferred Qualifications: Must be proficient in writing code and building POCs, ideally using JavaScript/TypeScript, React, and Node.js. Experience in scripting for API testing tools such as Postman or similar. Experience building front-end and back-end applications. Expert in web service standards and related patterns (REST, gRPC). Solid understanding of database technologies including SQL. Proven analytical and problem-solving skills. Ability to respond resourcefully to new demands, priorities, and challenges. Experience in Identity solutions like oAuth, OpenID Connect, SAML, security tokens (JWS, JWE, access token, id token) or other IAM. Knowledge of Cryptography & Key Management. Basic understanding of B2B API integration. Customer-facing (communicative) skills. Analytical mind - Curious mindset with an interest in solving problems alongside strong analytical and quantitative skills, driving insight from data analysis. Ability to shift priorities and demonstrate proactive willingness to help others. Understanding of how decisions may affect other teams and contribute to overall success. 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.