Software Engineer II

Mastercard is hiring a Software Engineer II. 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.
Tools and skills the posting cites include Claude, Copilot and Databricks.
Level classifies it as a mid-level role.
Level lists 1,100+ other open roles at Mastercard.
The role was posted in the last few days.

AI in this role

claudecopilotdatabricksclaude-code

ragai-agentsai-safety

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

Software Engineer II

Overview
The Franchise and Legal Solutions (FLS) Program enables growth in Mastercard’s products, markets, services, and innovations while protecting our brand and business in an increasingly complex and competitive environment. The team supports and protects the franchise agreement by implementing the rules of the road for anyone interacting with our business.

As a Software Engineer II, you will combine strong software engineering fundamentals with modern enterprise platforms, automation, data, and AI-enabled engineering to solve complex business problems. You will work across Java/Spring Boot applications, APIs and integrations, cloud platforms, Microsoft Power Platform, and generative AI technologies.

What You'll Do
Software Development
• Design, build, test, deploy, and support software solutions for medium-sized
initiatives and defined components of larger enterprise programs.
• Develop applications, microservices, REST APIs, and system integrations
using Java/J2EE, Spring Boot, and related technologies.
• Apply data structures, algorithms, design patterns, and software
engineering principles to solve business and technical problems.
• Build automation and business solutions using Microsoft Power Platform,
including Power Apps, Power Automate, and Dataverse.
• Create data and analytics solutions using SQL, data modeling, Power BI,
and related technologies.
• Use Python and/or TypeScript for automation, application development,
data processing, and AI integration.
• Develop enterprise AI applications and workflows using LLMs, generative AI,
RAG, and agentic patterns.
• Apply AI-assisted development tools such as GitHub Copilot, Claude Code,
or comparable coding agents within engineering workflows.
• Integrate AI models with enterprise applications, APIs, tools, and data
sources using technologies and patterns such as MCP servers and tool/API
integration.
• Build AI-ready data and retrieval pipelines using technologies such as
Databricks, Spark, embeddings, vector search, and knowledge
management.
• Create and maintain technical and software development documentation.
Design & Architecture
• Partner with business and product owners to translate defined
requirements into scalable, maintainable solutions.
• Apply established software design and architecture principles, patterns, and
standards across applications, services, integrations, data flows, and
platform dependencies.
• Determine whether traditional software development, low-code, analytics,
automation, AI, or a combination is appropriate for defined problems.
• Build cloud-native solutions and integrate secure, responsible AI
capabilities into enterprise applications.
• Design AI components using RAG, vector databases, LLM APIs, MCP/tool
integration, and agentic frameworks, considering scalability, reliability,
security, and maintainability.
• Simplify technical approaches while balancing business value, complexity,
performance, maintainability, and cost.
Quality & Secure Engineering
• Develop and maintain automated unit, functional, and integration tests
using frameworks such as JUnit and Spock.
• Apply secure coding, information security, web application security, and
applicable PCI DSS principles throughout the software development
lifecycle.
• Review code to improve quality, readability, maintainability, security, and
adherence to engineering standards.
• Build and maintain CI/CD pipelines using Git/Bitbucket, Jenkins, Maven,
Artifactory, and related tools.
• Incorporate DevSecOps practices across development, testing, deployment,
and support.
Performance & Operational Excellence
• Provide production support and troubleshoot issues across applications,
services, integrations, automation, and AI-enabled solutions.
• Use logging, monitoring, and observability practices to diagnose issues and
improve operational supportability.
• Analyze and optimize application performance, scalability, reliability, and
operational readiness.
• Improve AI solution performance, latency, cost, reliability, quality, and
operational health.
• Independently take defined engineering problems through design,
development, testing, deployment, and production support.
Collaboration
• Collaborate with engineering, product, business, security, data, and platform
partners to deliver measurable business value.
• Share technical knowledge and engineering best practices across the team.
• Contribute to Scrum or SAFe Agile delivery and help resolve cross-service
dependencies and technical challenges.
• Evaluate emerging technologies and identify opportunities for automation, AI,
and innovation.
• Demonstrate the Mastercard Way cultural values described for this role:
own it, simplify it, sense of urgency, thoughtful risk-taking, unlock potential,
and be inclusive, with a relentless focus on customers.

Required Qualifications
• At least four years of software development, design, and architecture
experience with moderately complex to complex applications.
• Strong software engineering fundamentals, including software design,
architecture, data structures, algorithms, design patterns, and system
integration.
• Proficiency developing applications, REST APIs, microservices, and
enterprise integrations using Java/J2EE and Spring Boot.
• Strong knowledge of unit, functional, and integration testing, including
frameworks such as JUnit and Spock.
• Ability to apply secure coding, application security, and information security
principles throughout the software development lifecycle.
• Knowledge of code review practices that promote quality, readability,
maintainability, security, and engineering standards.
• Understanding of performance engineering, including scalability, reliability,
monitoring, and optimization.
• Proven ability to support production applications through observability,
monitoring, troubleshooting, and reliability practices.
• Familiarity with CI/CD and DevSecOps practices using tools such as
Git/Bitbucket, Jenkins, Maven, and Artifactory.
• Knowledge of cloud, container, and enterprise platform engineering.
• Demonstrated ability to independently take defined engineering problems
from solution design through development, testing, deployment, and
production support.
• Hands-on use of AI-assisted development tools such as GitHub Copilot,
Claude Code, or comparable coding agents.
• Practical knowledge of generative AI and LLM-powered application
development, including LLM APIs, RAG, AI agents, MCP servers, and
tool/API integrations.
• Proficiency with Microsoft Power Platform technologies, including Power
Apps, Power Automate, and Dataverse.
• Knowledge of SQL, data modeling, and analytics or visualization
technologies such as Power BI.
• Ability to use Python and/or TypeScript for automation, application
development, or AI integration.

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 01/21/2027. If the fill date has passed, Mastercard intends to fill this position as soon as possible.

Pay Ranges

O'Fallon, Missouri: $92,000 - $147,000 USD

How we rate this

Software Engineer II at Mastercard rates 43 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

Software Engineer II is an open job at Mastercard.
Level rates this role AI Level 2 of 4: Uses AI.
The role is based in O'Fallon, Missouri.
The job was posted on October 28, 2026.
Seniority: mid.
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

RAGAI agentsAI SafetyClaudeCopilotDatabricksClaude Code

Also common in software engineer jobs at this level

AWS React Kubernetes C++JavaScript Docker

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

How would you design a retrieval step so the model answers from real data instead of guessing?
How do you decide when an AI agent can act on its own versus asking for approval first?
How do you think about the risk of an AI system in this kind of role failing silently?
What's a project where you used Claude hands-on?
Walk me through how you've used Copilot in your day-to-day work.

Adapt your resume

List these exact terms on your resume: RAG, AI agents, AI Safety, Claude, and 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.

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