Senior Software Engineer

Mastercard is hiring a Senior Software Engineer in Salt Lake City, United States. Level rates it ; you can apply on Mastercard.

Level's read on this job

Uses AI ●●○○ is how Level rates this software engineer role: an ordinary role that requires AI tools.
The posting mentions OpenAI, Claude and Anthropic among its tools and skills.
Level classes it as a senior role.
Mastercard has 1,100+ other open roles on Level.
Posted within the past two weeks.

AI in this role

Build scalable applications and backend services while leveraging AI-powered coding tools and workflows.

openaiclaudeanthropicgeminicopilotazure-openaicursorreact-jsnode-jstypescriptgithub-copilot

prompt-engineeringragllm-integrationai-agentsai-automationai-safetysoftware-engineeringapi-engineeringcloud-nativemicroservicesai-assisted-coding

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?

Mastercard is a global technology company in the payments industry. Our mission is 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. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

Overview

The Mastercard Open Finance Connect team is looking for a Senior Software Engineer to help shape the future of financial connectivity and consumer experiences through consistent innovation and problem-solving.

We are seeking an exceptional, hands-on engineer with advanced expertise in React.js, Node.js, TypeScript, API engineering, and cloud-native development. The ideal candidate combines strong software engineering fundamentals with intellectual curiosity, customer focus, and practical AI fluency. You will build scalable experiences and backend platforms, use tools such as GitHub Copilot, Claude, or Cursor responsibly, and explore AI-powered applications, agents, and agentic workflows while maintaining high standards for architecture, security, testing, reliability, and code quality.

Role

• Design, develop, and operate scalable customer-facing applications and backend services using React.js, Node.js, JavaScript, and TypeScript.
• Build secure, reusable, commercial-grade REST APIs and integrations used by internal teams, financial institutions, data providers, and external partners.
• Design microservices, distributed systems, and event-driven solutions with strong availability, performance, observability, and operational readiness.
• Own features and services end to end, including design, estimation, development, testing, deployment, documentation, production support, and continuous improvement.
• Use AI-assisted development tools to accelerate coding, testing, debugging, documentation, code reviews, and technical exploration without compromising engineering judgment.
• Design and build AI-powered capabilities, intelligent automation, agents, and agentic workflows that address meaningful customer and engineering needs.
• Lead technical and architecture discussions, conduct high-quality code reviews, mentor engineers, and promote reusable frameworks, standards, and engineering best practices.

All About You

The ideal candidate for this position should:
• Bachelor's degree in Computer Science, Computer Engineering, Information Technology, a related field, or equivalent practical software development experience.
• Extensive experience in software engineering.
• Demonstrate advanced full-stack expertise in React.js, Node.js, JavaScript, and TypeScript, with a strong understanding of component architecture, state management, performance optimization, and modern testing practices.
• Have deep experience designing and developing scalable backend services and REST APIs using Node.js and frameworks such as Express.js or NestJS, including API contracts, versioning, lifecycle management, gateways, caching, and asynchronous integration patterns.
• Understand application security, authentication, and authorization, including OAuth2, JWT, OWASP secure coding practices, data protection, and vulnerability management.
• Be experienced with microservices, distributed and event-driven architectures, relational or NoSQL databases, Docker, Kubernetes, CI/CD, cloud platforms, monitoring, logging, and observability.
• Use AI coding assistants such as GitHub Copilot, Claude, or Cursor effectively and responsibly for code generation, refactoring, testing, debugging, and documentation, while validating outputs for security, quality, and maintainability.
• Be an exceptional problem-solver and systems thinker who takes ownership, communicates clearly, collaborates across Product, UX, QA, and Engineering, and consistently delivers production-quality outcomes.

Desirable Capabilities

• Experience building AI-powered applications, agents, agentic workflows, or LLM integrations using platforms such as OpenAI, Anthropic, Azure OpenAI, or Gemini.
• Knowledge of prompt engineering, retrieval-augmented generation, vector databases, model context protocols, and responsible AI practices.
• Experience with technologies such as Kafka, Redis, GraphQL, Next.js, or similar tools used in scalable platforms.
• Experience in FinTech, Open Banking, payments, or another regulated industry.

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. THIS POSTING RELECTS ONE OR MORE CURRENT VACANCIES ON OUR TEAM, AND MASTERCARD INTENDS TO FILL THIS POSITION BY 01/05/2027. If the fill date has passed, Mastercard intends to fill this position as soon as possible.

Pay Ranges

Salt Lake City, Utah: $115,000 - $184,000 USD

How we rate this

Senior Software Engineer 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.

Classification

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.

Key facts

Senior Software Engineer is an open job at Mastercard.
Level rates this role AI Level 2 of 4: Uses AI.
The role is based in Salt Lake City, Utah (Holladay).
The job was posted on October 12, 2026.
Seniority: senior.
Applications are handled by Mastercard. Apply on Mastercard

Prepare for this job

Built from this posting and from similar jobs on Level.

Skills and AI tools this role asks for

Prompt engineeringRAGLLM IntegrationAI agentsAI AutomationAI SafetySoftware EngineeringAPI Engineering

Also common in software engineer jobs at this level

Java Python AWS C++SQL C#

Pay

Typical software engineer job: $168k

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

How do you structure and test a prompt to get consistent output from a language model?
How would you design a retrieval step so the model answers from real data instead of guessing?
How have you integrated a large language model into a production application?
How do you decide when an AI agent can act on its own versus asking for approval first?
Tell me about a workflow you automated with AI tools, end to end.

Adapt your resume

List these exact terms on your resume: Prompt engineering, RAG, LLM Integration, AI agents, and AI Automation. 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.

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