The culture is toxic, most people are promoted well outside of their capabilities, they are stuck in doing things the way they have always been done, no desire to fix problems, just hire more labor to mask problems, customers do NOT come first, I never met any real leaders in manager roles at Visa, just people who think leading is getting things done by pulling rank. The company has tremendous potential if they will hire good people, but the toxic "yes" men are the ones who get promoted rather than people with capabilities to transform the business to match it's potential. I would not recommend Visa to my worst enemy, the people at visa only care about themselves. They win awards left and right for customer satisfaction and best in state, it's all rigged, the customer survey questions nearly guarantee positive responses to win the awards every year rather than actually improve the customer experience. Management will spend 6 months debating things before they act on a change which takes minutes to implement. Visa is the worst organization I have ever worked for. If you are incompetent, a "yes" man, this place is for you.