Data Scientist, VPM Fraud Modeling - New College Grad 2025

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

Are you skilled at turning hard numbers into compelling stories and useful strategic insights? Do you solve complex data challenges with creative flair? Put those skills to work answering strategic questions for one of the world's most respected and innovative payments companies.

In this role, you will be responsible for a range of duties from data analytics, implementing and delivering advanced machine learning models, and visualization of solutions and high impact business projects. You will get chance to leverage your business acumen, programming skills, technical knowledge of big data and machine learning techniques. This function is critical in building market-relevant fraud solutions for our clients and intellectual property for Visa.

Essential Functions:

• Build and validate predictive models with advanced machine learning techniques and tools to drive business value, interpret and present modeling and analytical results to non-technical audience
• Write predictive model software packages for production deployment, support model installations, monitor, and calibrate production models
• Conduct statistical analyses on various internal and external data sources with big data tools like Hadoop and Spark to identify interesting and valuable insights and trends, produce visualization and reports to internal business and product customers
• Develop insights from data into products using advanced statistical and machine learning methods
• Find opportunities to create and automate repeatable analyses or build self-service tools for business users
• Support sales and marketing efforts with sound statistical and financial analysis, execute ad-hoc analyses to meet the fast-changing market demands
• Develop business requirements and appropriate statistical analysis/prototypes to meet critical business needs
• Derive and develop new data attributes/features for modeling to grow analytic products
• Work on cross functional teams and collaborate with internal and external stakeholders

Qualifications

Basic Qualifications

• 2 years of relevant work experience with a Master's degree in Computer Science, Computer Engineering, Data Science, Machine Learning, Mathematics, Statistics, or a related field, graduating January 2024 - August 2025

Preferred Qualifications

• Successful internships or 6 months of experience in a predictive modeling function
• Experience with production model development, implementation and monitoring
• Strong background in two or more of the following areas: machine learning/AI algorithms, computations/statistical learning theory, scalable systems (e.g. Spark, Hadoop), large scale data analysis, optimization, functional analysis and deep learning.
• Experience with a range advanced techniques and emerging approaches to big data and data science (Python, Spark, TensorFlow, H2O, Dask, etc.), extensive experience with SAS/SQL/Hive for extracting and aggregating data
• Visa and financial/payment industry knowledge or previous experience with fraud modeling is a plus, but not required
• Must be a team-player and capable of handling multi-tasks in a dynamic environment
• Excellent business writing, verbal communication, and presentation skills
• Excellent project management skills
• Proficiency in Python programming language
• Proficiency in Python data analysis, modeling building and visualization libraries
• Proficiency with SQL
• Experience with Spark is a plus
• Experience with Unix/Linus script and shell programming is a plus
• Experience with SAS is a plus but not required

Additional Information

Work Authorization: Permanent Authorization to work in the U.S. is a precondition of employment for this position. Visa will not sponsor applicants for work visas in connection with this position. Future sponsorship will not be considered. 

Work Hours: Varies upon the needs of the department 

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. 

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 for a new hire into this position is $116,000 USD 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.