Software Engineer II

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

Level's read on this job

Works on AI ●●●○ is how Level rates this software engineer role: the daily work is on AI products, without building the model.
Tools and skills the posting cites include software engineering, automation and testing.
Level classifies it as a mid-level role.
Level lists 1,100+ other open roles at Mastercard.

AI in this role

Develop and maintain automated test solutions and software for AI and decision product enablement platforms.

software-engineeringautomationtestingapidecision-platforms

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

About the Role
Mastercard's Services Technology organization is seeking a Software Engineer II to contribute to the design, development, testing, deployment, and operational excellence of software solutions that support AI & Decision Product Enablement (DPE) platforms. These platforms power intelligent decisioning, real-time analytics, and fraud prevention capabilities at global scale.

This role is responsible for developing and maintaining automated test solutions, validating complex applications and system integrations, contributing to software quality throughout the development lifecycle, and collaborating with Product, Engineering, and Business stakeholders to deliver secure, scalable, and reliable software solutions. The ideal candidate combines strong software engineering fundamentals, automation expertise, problem-solving skills, and a passion for building quality into software from design through production.

Responsibilities
•Design, develop, test, deploy, and support automated software solutions that validate applications, services, APIs, and system integrations throughout the software development lifecycle.
•Translate business, functional, and technical requirements into scalable, maintainable, and automated validation solutions.
•Contribute to software design and architecture discussions, applying appropriate testing approaches, automation frameworks, engineering standards, and design patterns.
•Develop and maintain automated test frameworks, utilities, and reusable components that improve software quality, reliability, and delivery efficiency.
•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, automation coverage, and overall engineering excellence.
•Develop and maintain unit, functional, integration, performance, regression, and end-to-end automated tests to ensure quality and reliability.
•Troubleshoot, debug, and analyze defects, test failures, and application issues to identify root causes and improve system stability.
•Partner closely with software engineers to embed quality throughout the development lifecycle, ensuring appropriate test coverage, monitoring, performance validation, and operational readiness.
•Analyze and optimize automation frameworks, test execution processes, and validation capabilities to improve scalability, reliability, and efficiency.
•Design, generate, and manage test data, environments, and test execution activities required to support delivery objectives.
•Build automated quality solutions that integrate with CI/CD pipelines and deployment processes to support continuous testing and release confidence.
•Participate in Agile planning, story refinement, requirements elaboration, estimation, prioritization, and delivery activities.
•Collect, analyze, and communicate quality metrics, test results, risks, and recommendations to technical and non-technical stakeholders.
•Create and maintain technical documentation for automation frameworks, testing approaches, quality strategies, and delivered solutions.
•Collaborate with peers to solve technical challenges, share knowledge, improve engineering practices, and support Software Engineering Guild initiatives.
•Continuously learn and adopt new technologies, testing approaches, tools, and development practices that improve software quality and engineering outcomes.

All About You
•3+ years of hands-on Java development experience building, testing, deploying, and supporting enterprise applications.
•Experience developing and maintaining automated test frameworks and test suites, including hands-on experience with Selenium.
•Understanding of software engineering fundamentals, object-oriented design, common design patterns, and the software development lifecycle (SDLC).
•Experience with CI/CD pipelines, source control, automation, and modern software delivery practices.
•Experience creating and executing unit, integration, regression, and end-to-end tests to ensure software quality and reliability.
•Familiarity with gRPC or similar API technologies and service-to-service integrations.
•Strong troubleshooting, debugging, and root-cause analysis skills, with experience diagnosing issues across distributed systems.
•Knowledge of secure coding practices, code reviews, and software quality standards.
•Experience working in Agile environments utilizing Scrum, Kanban, or similar methodologies.
•Strong collaboration and communication skills with technical and non-technical stakeholders.
•Demonstrated curiosity, adaptability, and a commitment to continuous learning and knowledge sharing.

Ideal Candidate Profile
•Software engineer first, with a passion for quality and automation.
•Brings a strong foundation in Java development and modern engineering practices.
•Understands how quality engineering integrates into the software delivery lifecycle and CI/CD pipeline.
•Collaborates effectively across teams, embraces feedback, and contributes to a positive engineering culture.
•Comfortable navigating ambiguity, solving complex problems, and driving solutions through delivery.

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 12/30/2026.

Pay Ranges

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

How we rate this

Software Engineer II at Mastercard rates 65 out of 100 for how much of the daily work is AI. That makes it Works on AI (AI Level 3 of 4). The level is about AI in the job, not seniority.

Classification

Works on AI. The daily work is on AI products, without building the model.

●●●● 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 3 of 4: Works on AI.
The role is based in O'Fallon, Missouri.
The job was posted on October 1, 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 EngineeringAutomationTestingAPIDecision Platforms

Also common in software engineer jobs at this level

Python AWS LLM AI agents TypeScript Kubernetes

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

Tell me about a project where software engineering was part of your work. What did you do?
Tell me about a project where automation was part of your work. What did you do?
Tell me about a project where testing was part of your work. What did you do?
Tell me about a project where api was part of your work. What did you do?
Tell me about a project where decision platforms was part of your work. What did you do?

Adapt your resume

List these exact terms on your resume: Software Engineering, Automation, Testing, API, and Decision Platforms. 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.
Show where AI is part of your daily process, not a one-off project. This role expects it to be a running habit.

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