MastercardSenior Principal, Software Architect | Global Open Finance
Mastercard is hiring a Senior Principal, Software Architect | Global Open Finance in Dublin, Ireland. Level rates it ; you can apply on Mastercard.
Level's read on this job
- Uses AI ●●○○ is how Level rates this finance role: an ordinary role that requires AI tools.
- Tools and skills the posting cites include GitHub Copilot, software architecture and distributed systems.
- Level classifies it as a senior role.
- Level lists 1,100+ other open roles at Mastercard.
- The role was posted within the past two weeks.
AI in this role
Define software architecture for open finance platforms while leveraging generative AI and AI-assisted engineering practices.
Our Purpose
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Senior Principal, Software Architect | Global Open FinanceOverview:Mastercard’s Open Finance team is seeking a Senior Principal, Software Architect to define and drive the architecture that enables this vision. This is a hands-on individual contributor role with broad influence across Product, Engineering, and Technology. You will establish the target architecture, define a practical path from today's platforms to a unified global ecosystem, and partner across teams to deliver scalable, secure, and resilient solutions.
Success in this role means enabling teams to build faster, promoting consistent and reusable capabilities across markets, and creating a platform that securely connects consumers, businesses, and financial institutions through seamless Open Finance experiences.
The Mastercard’s Customer Acquisition & Engagement business helps brands attract customers, build loyalty and grow customer relationships. Our vision is to bring together assets across Mastercard into a more unified Marketing Technology platform: connected data, shared capabilities and consistent interfaces that support products and markets globally.
This is a full-time hybrid role based in Dublin, requiring three days per week onsite.
Role:
• Define and drive the North Star architecture for Mastercard Open Finance, translating business and product strategy into a scalable, long-term technology vision.
• Develop and execute phased architecture roadmaps that modernize existing platforms while establishing clear priorities, dependencies, milestones, and measurable outcomes.
• Lead architectural decision-making across Product, Engineering, and Technology, balancing competing requirements and aligning teams around common goals.
• Evaluate complex technical challenges, identify architectural risks, trace critical platform, data, and customer flows, and develop proofs of concept to validate solutions.
• Use generative AI and AI-assisted engineering practices to research and challenge designs, accelerate prototyping, assess implementations, and improve engineering effectiveness while applying sound technical judgment.
• Establish and promote reusable architecture patterns, reference implementations, Infrastructure as Code, automation frameworks, and engineering standards that enable teams to deliver consistently and efficiently.
• Simplify and modernize the platform by consolidating overlapping capabilities, reducing unnecessary dependencies, and retiring legacy technologies.
• Design and evolve cloud-native services supporting bank connectivity, consent management, identity, financial data aggregation, and account-to-account payment capabilities.
• Balance global platform consistency with local regulatory, compliance, privacy, data residency, and market-specific requirements.
• Guide architecture from concept through production, ensuring solutions are secure, resilient, scalable, observable, high-performing, and cost-efficient.
• Influence technical and business decisions across all levels of the organization by translating complex architectural concepts into clear business outcomes and strategic recommendations.
• Mentor architects and engineers, foster cross-functional collaboration, and promote engineering excellence through technical leadership and partnership.
All About You:
• Proven experience as a Principal Engineer, Lead Architect, Software Architect, Distinguished Engineer, or equivalent technical leadership role driving enterprise-scale architecture and platform strategy.
• Strong computer science foundation with a proven track record of designing and building large-scale distributed platforms, ideally supporting financial services or other highly regulated industries.
• Strong hands-on software engineering and coding skills, with the ability to independently investigate complex problems, test hypotheses, develop prototypes, and assess implementation quality.
• Demonstrated experience leveraging generative AI to improve engineering productivity, solution design, and development processes, with sound judgment around accuracy, security, privacy, and responsible use.
• Deep expertise in cloud platforms, APIs, distributed systems, data architecture, identity management, security, and enterprise integration patterns, including practical experience with automation and Infrastructure as Code.
• Experience defining target-state architectures and leading multi-year modernization and migration initiatives across multiple products, teams, and technology domains.
• Strong understanding of Open Finance and Open Banking ecosystems, including bank connectivity, consent management, identity, financial data sharing, and account-to-account payments.
• Ability to simplify highly complex technical challenges and connect architectural decisions to measurable business, customer, and regulatory outcomes.
• Demonstrated success influencing technical and business decisions across multiple levels of an organization, including senior leadership and executive stakeholders.
• Exceptional communication skills with the ability to articulate complex technical concepts effectively to both technical and non-technical audiences.
• Proven ability to mentor architects and engineers, build trust across teams, and lead through influence rather than direct authority.
• Bachelor's or Master's degree in Computer Science, Engineering, Information Systems, or a related field, or equivalent practical experience.
Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:
Abide by Mastercard’s security policies and practices;
Ensure the confidentiality and integrity of the information being accessed;
Report any suspected information security violation or breach, and
Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.
How we rate this
Senior Principal, Software Architect | Global Open Finance at Mastercard rates 45 out of 100 for how much of the daily work is AI. That makes it Uses AI (AI Level 2 of 4). The level is about AI in the job, not seniority.
Uses AI. An ordinary role that requires AI tools.
- ●●●● Builds AI80 to 100
- ●●●○ Works on AI60 to 79
- ●●○○ Uses AI40 to 59
- ●○○○ Little AI0 to 39
Levels come from how often the tools, models and workflows of the role are named in the posting itself. Read the description and count the AI tools, models and workflows it names.
Prepare for this job
Built from this posting and from similar jobs on Level.
Skills and AI tools this role asks for
Pay
- Typical finance job
- $105k
This posting doesn't list pay. Use the typical finance figure when pay comes up. See finance jobs
Questions you could be asked
- Tell me about a project where software architecture was part of your work. What did you do?
- Tell me about a project where distributed systems was part of your work. What did you do?
- Tell me about a project where cloud computing was part of your work. What did you do?
- What's a project where you used GitHub Copilot hands-on?
- This role expects you to use AI tools as part of the job. Which ones have you used, and for what?
Adapt your resume
- List these exact terms on your resume: Software Architecture, Distributed Systems, Cloud Computing, and GitHub Copilot. An applicant tracking system matches the wording, not the idea.
- Attach one line of real, concrete experience to at least one of them. A tool named with nothing behind it rarely survives a human read.
- Put the AI tool in a bullet point about what you did, not just in a skills list. This role treats it as a required part of the job.
Want an expert to read your CV for this job?
Free. Send your CV and the role you want next. We reply by email within 2 to 4 business days.
Get new finance jobs (Uses AI ●●○○ or higher) by email
One email a week with the new finance jobs (Uses AI ●●○○ or higher), each rated for how much AI is in the work. No recruiter spam, unsubscribe in one click.
Free. One email a week. Unsubscribe in one click.
Similar roles
Software Engineering roles that use AI, at other companies.
What kind of AI work fits you?
Answer 12 practical questions in about three minutes. Get a simple profile, the work it points to, and live roles to explore next.
Find my next step