Senior Financial Analyst - Client Incentive Operations

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. For roles located in the US, the estimated salary range for this position is $129,200.00 to $ 206,700.00 USD per year, which may include potential sales incentive payments (if applicable).

About Us
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.

Job Description

The Client Incentive Operations team are responsible for managing Client Incentive agreements for clients in the North America region. We ensure compliance with contractual terms and determine the accounting treatment of each incentive deal and conformity with US GAAP and local tax requirements. We use lean/six sigma process methodologies to provide benefits to our stakeholders regarding quality, cost and schedule associated with our work.

The

Sr. Financial Analyst is responsible for overseeing the execution and optimization of client incentive programs, ensuring that they are aligned with Visa's strategic objectives and compliance requirements. The ideal candidate will have extensive experience in operations management, and a deep understanding of the payments industry. This role offers an outstanding opportunity to be part of a dynamic group that is instrumental in crafting the future of AI in the finance and accounting function. 

The ideal candidate has a strong understanding of US GAAP, solid analytical and problem-solving skills, and ability to improve processes utilizing GenAI. Success in this role requires collaboration across teams, a strong sense of ownership, and the ability to execute with urgency.

Key Responsibilities:

• Manage accounting and reporting for client incentive agreements, ensuring compliance with US GAAP and internal policies
• Review contracts to determine appropriate financial treatment and monitor incentive performance
• Assist in redesigning financial processes to identify inefficiencies and automating routine tasks such as journal entries and reconciliations
• Leverage tools such as Power BI and AI models to streamline processes and drive efficiency
• Lead or support system and process enhancement initiatives (e.g., ORMB improvements)
• Partner with cross-functional teams (Finance, Sales, Legal, Compliance) to ensure alignment and operational effectiveness
• Apply structured problem-solving approaches (Lean/Six Sigma) to improve quality, controls, and turnaround time
• Deliver insights through data analysis to support decision-making and business outcomes
• This role is a hybrid role to be located in our Foster City, CA office location.

This is a Hybrid role to be based in our Foster City, CA office location. Visa requires at least 3 days in office, expectations of these days will be confirmed by your Hiring Manager.

Qualifications

Basic Qualifications:

• 5 or more years of relevant work experience with a Bachelors Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD

Preferred Qualifications:

• 6 or more years of work experience with a Bachelors Degree or 4 or more years of relevant experience with an Advanced Degree (e.g. Masters, MBA,  JD, MD) or up to 3 years of relevant experience with a PhD

• Big Four consulting experience and exposure to large-scale finance transformation, operational excellence, or strategic advisory engagements
• Bachelor’s degree in Finance, Accounting, or related field (CPA or MBA preferred)
• 6+ years of experience in finance/accounting/financial operations, preferably within the payments or financial services industry
• Strong understanding of accounting principles (US GAAP) and financial controls
• Experience with process improvement, automation, or system implementation in finance functions
• Proficiency in data analytics and automation tools (e.g., Power BI, Excel, modern AI tools)
• Experience leveraging automation and AI enabled tools to enhance accounting processes, analysis, and reporting
• Solid analytical and problem-solving skills with attention to detail
• Ability to manage projects and drive initiatives across teams
• Strong communication skills and ability to work with diverse stakeholders in a fast-paced environment
• Proactive, accountable, and comfortable working in a fast paced and dynamic environment
• Highly accountable, proactive, change oriented

Information for US Applicants

For roles located in the US, the estimated salary range for this position is $129,200.00 to $ 206,700.00 USD per year, 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.

Work Hours

Varies upon the needs of the department.

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 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.