Software Engineer II

AI in this role

Software Engineer II at Mastercard contributing to the design, development, and support of core payment software solutions.

software-engineeringjavadistributed-systemsapi-development

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

Mastercard's Core Payments organization is seeking a Software Engineer II to contribute to the design, development, testing, deployment, and support of secure, scalable, and reliable software solutions that power critical payment capabilities across Network Solutions.

This role is responsible for delivering high-quality software at the application and component level, collaborating with Product and engineering partners to translate business requirements into technical solutions, and supporting the full software development lifecycle. The ideal candidate combines strong software engineering fundamentals, problem-solving skills, and a commitment to engineering excellence through quality, security, performance, and operational best practices.

Responsibilities
•Design, develop, test, deploy, and support software applications and services throughout the software development lifecycle.
•Translate business and technical requirements into scalable, maintainable, and secure software solutions.
•Contribute to software design and architecture discussions, applying appropriate design patterns, application patterns, and engineering standards.
•Write secure, high-quality code while adhering to established coding standards, secure development practices, and team processes.
•Participate in code reviews to improve code quality, maintainability, security, and overall engineering excellence.
•Develop and maintain unit, functional, and integration tests to ensure quality, reliability, and functional coverage.
•Troubleshoot, debug, and refactor existing applications to resolve issues and improve system stability.
•Analyze and optimize application performance, scalability, and reliability through monitoring, testing, and continuous improvement efforts.
•Apply effective data structures and software engineering principles to build efficient and maintainable solutions.
•Build software with operational readiness in mind, including observability, maintainability, production support, and reliability.
•Participate in Agile planning, requirements elaboration, estimation, prioritization, and delivery activities with Product and Business stakeholders.
•Utilize CI/CD pipelines, automation, source control, and modern software delivery practices to improve engineering efficiency and consistency.
•Collaborate with peers to evaluate solutions, solve technical challenges, share knowledge, and support Engineering Guild initiatives.
•Create and maintain technical documentation for software components, APIs, services, and delivered solutions.
•Continuously learn and adopt new technologies, tools, and development approaches that support business and engineering objectives.

All About You
•Experience developing, testing, deploying, and supporting software applications in an enterprise environment.
•Ability to translate business requirements into secure, scalable, and maintainable software solutions.
•Understanding of software design principles, software architecture concepts, and common design patterns.
•Experience applying appropriate data structures and programming techniques to solve technical problems effectively.
•Experience with unit, functional, and integration testing practices and tools.
•Knowledge of secure coding standards and secure software development practices.
•Experience participating in code reviews and following software quality best practices.
•Strong troubleshooting, debugging, and problem-solving skills.
•Understanding of performance optimization, scalability, reliability, and application monitoring concepts.
•Familiarity with operational support, observability, maintainability, and production readiness practices.
•Experience with source control, CI/CD pipelines, automation, and modern software delivery methodologies.
•Familiarity with Agile development practices, including Scrum, Kanban, or similar frameworks.
•Strong collaboration and communication skills with both technical and non-technical stakeholders.
•Demonstrated ability to learn and adapt to new technologies, tools, and architecture patterns.

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 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.

Classification

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. Open the description and count.

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Software EngineeringJavaDistributed SystemsAPI Development

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