MastercardSenior Software Engineer
Mastercard is hiring a Senior Software Engineer in Toronto, Canada. Level rates it ; you can apply on Mastercard.
Level's read on this job
- Level rates this software engineer role Little AI ●○○○: aI is not part of the work.
- The posting mentions software engineering, distributed systems and api among its tools and skills.
- Level classes it as a senior role.
- Mastercard has 1,000+ other open roles on Level.
- Posted within the past two weeks.
AI in this role
Design and scale secure payments technology and fraud-combatting software solutions as a senior software engineer at Ethoca (Mastercard).
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 Software EngineerOverview:Ethoca, a Mastercard company, is transforming the way merchants and card issuers work together to combat fraud and improve the digital commerce experience. We build highly scalable, secure, and resilient technology that powers collaboration across the global payments ecosystem.
We are looking for a Senior Software Engineer who thrives on solving complex technical problems, takes ownership of outcomes, and enjoys building production-grade software that operates at scale. This role is ideal for an engineer who can independently drive initiatives, influence technical decisions, mentor others, and contribute to a culture of engineering excellence.
Mastercard powers an inclusive digital economy by making transactions safe, simple, smart, and accessible. Through secure technology, trusted partnerships, and continuous innovation, we help individuals, businesses, and governments realize their greatest potential.
The Role :
• Design, develop, test, deploy, and maintain high-quality software solutions that meet Mastercard standards for security, reliability, scalability, and operational excellence.
• Independently drive technical initiatives from concept through production, navigating ambiguity, managing dependencies, and delivering measurable business outcomes.
• Collaborate with product, engineering, operations, security, and compliance partners to translate business needs into well-designed technical solutions.
• Contribute to architecture and design decisions for distributed systems, APIs, integrations, and platform capabilities, balancing business priorities with long-term maintainability.
• Own software services throughout their lifecycle, including implementation, deployment, monitoring, incident response, and continuous improvement.
• Troubleshoot complex application and production issues using logs, metrics, traces, debugging tools, and systematic root cause analysis techniques.
• Participate in on-call support, incident reviews, and operational readiness activities while driving improvements that enhance reliability and reduce operational toil.
• Apply secure-by-design and privacy-conscious engineering practices when working with sensitive financial and consumer data.
• Foster engineering excellence through code reviews, technical mentoring, knowledge sharing, and promotion of development best practices.
• Continuously improve automation, testing, observability, developer experience, and software delivery processes.
• Use approved AI-assisted engineering tools responsibly to improve productivity while applying sound engineering judgment, rigorous validation, and strong protection of confidential or sensitive information.
All About You :
• Bachelor's degree in Computer Science, Information Technology, a related field, or equivalent practical experience.
• Strong foundation in software engineering principles including system design, source control, testing, debugging, performance analysis, maintainability, and secure software development.
• Expert-level proficiency with Java (17+) and Spring-based application development.
• Experience designing and building RESTful APIs and service integrations.
• Experience developing cloud-native applications and distributed systems, preferably in Azure environments.
• Proficient with distributed source control systems (e.g., Git), including branching strategies, code review workflows, conflict resolution, and release management practices.
• Experience working within modern CI/CD environments, including build automation, deployment pipelines, release validation, and operational support.
• Demonstrated ability to investigate and resolve complex production issues through structured troubleshooting, evidence-based decision-making, and root cause analysis.
• Strong understanding of observability practices including logging, monitoring, metrics, dashboards, distributed tracing, and reliability-oriented alerting.
• Experience with modern data platforms and databases, including data modeling, scalability, performance, and operational trade-offs.
• Working knowledge of authentication, authorization, secrets management, vulnerability management, and secure handling of sensitive data in regulated environments.
• Strong ownership mindset with a proven ability to take initiative, drive work to completion, remove blockers, and deliver results with limited supervision.
• Ability to collaborate effectively across teams, influence technical decisions, and communicate complex concepts to both technical and non-technical stakeholders.
• Comfortable using approved AI-assisted development tools and applying critical judgment to validate AI-generated outputs before production use.
• Committed to continuous learning, engineering excellence, and helping others grow.
Preferred Qualifications :
• Experience in payments, fintech, commerce, banking, fraud prevention, or other regulated industries.
• Experience building high-throughput, highly available, or event-driven systems.
• Experience with batch processing, workflow orchestration, or large-scale data pipelines.
• Experience incorporating AI-enabled capabilities into products or engineering workflows.Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact reasonable_accommodation@mastercard.com and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
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 Software Engineer at Mastercard rates 0 out of 100 for how much of the daily work is AI. That makes it Little AI (AI Level 1 of 4). The level is about AI in the job, not seniority.
Little AI. AI is not part of the work.
- ●●●● 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
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Pay
- Typical software engineer job
- $167k
This posting doesn't list pay. Use the typical software engineer figure when pay comes up. See software engineer jobs
Questions you could be asked
- Tell me about a project where software engineering 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 api was part of your work. What did you do?
- Tell me about a project where java was part of your work. What did you do?
- Tell me about a project where scalability was part of your work. What did you do?
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- List these exact terms on your resume: Software Engineering, Distributed Systems, API, Java, and Scalability. 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.
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