Software Engineer II

Mastercard is hiring a Software Engineer II. Level rates it ; you can apply on Mastercard.

Level's read on this job

On Level's scale, this software engineer role is Uses AI ●●○○: an ordinary role that requires AI tools.
Tools and skills the posting cites include Java, Spring and Angular.
Level classifies it as a mid-level role.
Level lists 967 other open roles at Mastercard.

AI in this role

Build and operate scalable authentication backend services and user interfaces while leveraging AI-assisted development tools.

JavaSpringAngularNode.jsKubernetesAI Assisted Tools

software-engineeringbackend-developmentfrontend-developmentdistributed-systemssre

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 Mastercard Authentication Program owns how consumer authentication works across both in-store and e-commerce use cases. This role contributes to building and operating best-in-class authentication products such as ID Check, Token Authentication Service, and Token Authentication Framework, driving adoption, scale, and revenue growth.
This position sits at the intersection of Site Reliability Engineering, platform engineering, and release engineering, ensuring our platforms are scalable, resilient, secure, and production-ready across hybrid environments (Kubernetes, cloud, and on-prem).

As a Software Engineer II, you will contribute to building scalable backend services using Java/Spring and modern user interfaces using Angular and Node.js within a distributed architecture. You will support end-to-end delivery including solution design, development, testing, deployment, and production support while adhering to engineering best practices for code quality, security, performance, and reliability. Working closely with cross-functional teams, you will help deliver production-grade solutions and continuously improve your skills across cloud platforms, DevOps practices, observability, and software architecture. You will also leverage AI-assisted development tools to enhance productivity and support multiple phases of the software development lifecycle.

Role
In this role, you will:
• Design, develop, and own Java-based backend services and REST APIs in a distributed architecture.
• Build and enhance UI applications using Angular and Node.js.
• Own end-to-end delivery including solution design, development, testing, deployment, configuration, documentation, and operational support.
• Participate in technical design sessions, architectural reviews, and solution planning to help deliver scalable, resilient, secure, and maintainable software solutions.
• Ensure high-quality code through peer code reviews, automated testing, and adherence to engineering standards and best practices.
• Design, develop, and maintain unit, functional, and integration tests to ensure software quality and reliability.
• Apply secure coding standards and security best practices throughout the software development lifecycle, proactively identifying and remediating vulnerabilities.
• Drive engineering best practices including clean architecture, performance optimization, resiliency, scalability, and observability.
• Analyze application and system performance, identifying opportunities for optimization and scalability improvements.
• Troubleshoot complex production issues, perform root cause analysis, and implement corrective actions to improve platform stability and operational excellence.
• Collaborate with cross-functional teams to deliver high-quality software solutions that meet business and customer needs.

All About You
Requirements
• Strong hands-on experience in Java, Spring Boot, and REST APIs.
• Hands-on experience with Angular (2+) and Node.js.
• Experience building and maintaining scalable, production-grade applications.
• Strong problem-solving, troubleshooting, and debugging skills in distributed systems.
• Solid understanding of software design principles, object-oriented programming, and software engineering best practices.
• Understanding of software architecture concepts, design patterns, and scalable distributed application design.
• Experience designing and executing unit, functional, and integration testing strategies.
• Understanding of data structures, algorithms, and their application in building efficient, scalable software solutions.
• Knowledge of secure coding principles, application security fundamentals, and vulnerability prevention techniques.
• Experience performing code reviews and contributing to engineering quality standards.
• Strong communication skills and the ability to collaborate effectively across teams.

Preferred Qualifications
• 3–5 years of software engineering experience.
• Experience with cloud platforms such as Kubernetes, AWS, Azure, or PCF.
• Exposure to CI/CD pipelines, automation, and DevOps engineering practices.
• Experience with observability platforms, monitoring, logging, and operational support practices.
• Exposure to performance testing, application tuning, and capacity planning.
• Experience using AI-assisted development tools throughout the software development lifecycle.

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: $92,000 - $147,000 USD

How we rate this

Software Engineer II 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

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 August 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

Software EngineeringBackend DevelopmentFrontend DevelopmentDistributed SystemsSreJavaSpringAngular

Also common in software engineer jobs at this level

Python TypeScript React C++JavaScript SQL

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 backend development was part of your work. What did you do?
Tell me about a project where frontend development 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 sre was part of your work. What did you do?

Adapt your resume

List these exact terms on your resume: Software Engineering, Backend Development, Frontend Development, Distributed Systems, and Sre. 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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