Senior Software Engineer

Senior Software Engineer at Mastercard scores 85 out of 100 on AI centrality, which makes it AI Level 4 of 4 (Builds AI) on this board. The level measures how much of the work is AI, not seniority.

Remote (O'Fallon, Missouri)seniorFull time

AI in this role

Design and build scalable software solutions, AI, and machine learning platforms for global digital payments.

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software-engineeringartificial-intelligencemachine-learningcloud-computingalgorithms

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 Engineer

Who is Mastercard?

We work to connect and power an inclusive, digital economy that benefits everyone, everywhere, by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships, and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. We cultivate a culture of inclusion for all employees that respect their individual strengths, views, and experiences. We believe that our differences enable us to be a better team – one that makes better decisions, drives innovation, and delivers better business results

About the Role

Senior Software Engineers at Mastercard design and code artificial intelligence, cloud, and machine learning platforms that provide mission-critical insights to many of the world’s leading organizations and governments. As a Senior Software Engineer, you will deliver these products and solutions with speed and agility as part of a small team. This will involve developing high-performing, highly scalable software solutions and products for some of the world’s top brands. Specific tasks vary depending on the project and the business unit that you join in.

Role

As a Senior Software Engineer, you will:

Software Engineering & Development

• Design, build, test, deploy, and maintain software components, automation frameworks, and validation tools
• Apply strong knowledge of data structures, algorithms, and efficient coding practices in building scalable solutions
• Contribute to end-to-end software development lifecycle, including design, development, testing, deployment, and monitoring

Architecture & Design

• Participate in defining software architecture and design patterns to ensure scalability, reliability, and maintainability
• Ensure systems are designed for testability, observability, performance, and operational readiness
• Provide input into microservices and cloud migration strategies

Quality Engineering & Testing

• Develop and implement test automation frameworks and CI/CD integration pipelines (e.g., Jenkins, XLR)
• Design comprehensive test strategies and plans, including performance, reliability, and production simulation testing
• Ensure high code quality and coverage using tools such as Sonar or Clover

Security & Compliance

• Apply and promote secure coding practices, including code analysis, vulnerability detection, and mitigation strategies
• Integrate security testing into CI/CD pipelines

Code Quality & Reviews

• Conduct and lead code reviews, ensuring adherence to coding standards, security practices, and maintainability
• Act as a technical reviewer for system designs, test strategies, and implementation approaches

Operability & Performance

• Ensure systems are observable, monitorable, and resilient across environments
• Perform performance engineering, including load testing, tuning, and bottleneck analysis
• Troubleshoot complex production issues and ensure rapid resolution

Collaboration & Leadership

• Partner with developers, architects, and product teams to drive engineering best practices
• Mentor junior engineers and contribute to knowledge sharing across teams
• Evaluate and recommend tools, technologies, and frameworks for continuous improvement

All About You

• Demonstrated experience developing microservices with JAVA and Spring Boot, required
• Proven skills working with relational SQL database, preferably PostgreSQL and Oracle SQL
• Advanced understanding of cloud native architecture, PCF, and AWS
• Clear proficiency with engineering principles used in building and running mission critical software capabilities (security, scalability, resiliency, customer experience, testing, operability, simplification)
• Apply tools (e.g., Sonar, Zally, Checkmarx) and techniques to scan and measure code quality and anti-patterns as part of development activity
• Ability to perform domain-driven design to architect and map software solutions to business contexts
• Proficient in orchestrating release workflows and pipelines, and apply standardized pipelines via APIs to achieve CI and CD using industry standard tools (e.g., Jenkins, AWS, XL Release, others);
• Ability to configure rules and build automation for code with vulnerability scanning and software composition analysis using standard tools (e.g., Sonar, JFrog, XRay, Veracode, others)
• Manage builds and artifacts leveraging standard tools (e.g., Artifactory) to ensure error-free deployment of production code using canary and/or blue-green techniques
• Ability to work on relational data concepts, preferably with PostgreSQL databases.
• Strong analytical and problem-solving skills, with the ability to debug issues and identify practical solutions.
• Strong verbal and written communication skills and the ability to work effectively in a collaborative team environment.
• Strong hands-on experience in software engineering, including development and quality engineering
• Proven experience working with:
• Testing across platforms: Linux and web applications
• Automation development and CI/CD integration and deployment (Jenkins / XLR/ GitHub Actions) and code coverage tools (Sonar, Clover) to ensure high code/ conditional coverage
• Unit, functional, and integration testing
• Performance testing and engineering
• Strong knowledge and understanding of:
• Software design principles (OOP, modularity, design patterns)
• Software architecture concepts (microservices, distributed systems, scalability)
• Data structures and algorithms
• Experience with secure coding practices and application security principles (e.g., OWASP)
• Ability to contribute to system design and architecture decisions; understanding use cases for advanced design patterns (e.g., service-to-worker, MVC, API Gateway, Intercepting Filter, Dependency Injection, Lazy Loading, all from the gang of four) to implement efficient code

Preferred Qualifications

• Experience in cloud and microservices architecture or mainframe modernization
• Experience designing systems for reliability, performance, and scalability
• Domain knowledge in payments and transaction processing systems
• Bachelor’s or master's degree in computer science or equivalent experience is preferred

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.

In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Mastercard benefits for interns generally include: 56 hours of Paid Sick and Safe Time; jury duty leave; and on-site fitness facilities in some locations.

Pay Ranges

O'Fallon, Missouri: $115,000 - $184,000 USD

Prepare for this job

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Skills and AI tools this role asks for

Software EngineeringArtificial IntelligenceMachine LearningCloud ComputingAlgorithmsPythonJavaCloud Platforms

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 artificial intelligence was part of your work. What did you do?
Tell me about a project where machine learning 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?
Tell me about a project where algorithms was part of your work. What did you do?

Adapt your resume

List these exact terms on your resume: Software Engineering, Artificial Intelligence, Machine Learning, Cloud Computing, and Algorithms. 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.
Lead with what you built, trained or shipped — this role is judged on the AI system itself, not the tools around it.

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