# Senior Software Engineer at Mastercard

Mastercard is hiring a Senior Software Engineer in Toronto, Canada. Level rates it Little AI ●○○○; you can [apply on Mastercard](https://jobsbylevel.com/go/194734f8-a055-4b30-901e-d0a923b126a1?utm_medium=ai-agent).

AI Level 1, AI centrality 0 out of 100. Toronto, Canada (Ethoca).

## Details

- Company: [Mastercard](https://jobsbylevel.com/companies/mastercard)
- AI level: AI Level 1 (score 0 out of 100)
- Location: Toronto, Canada (Ethoca)
- Posted: October 23, 2026
- Apply: https://jobsbylevel.com/go/194734f8-a055-4b30-901e-d0a923b126a1?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=senior-software-engineer-at-mastercard-0b1c6b

## Prepare for this job

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## Description

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 Overview: Ethoca, a Mastercard company, is transforming the way merchants and card issuers work together to combat fraud and improve the digital commerce experience. We build highly scalable, secure, and resilient technology that powers collaboration across the global payments ecosystem. We are looking for a Senior Software Engineer who thrives on solving complex technical problems, takes ownership of outcomes, and enjoys building production-grade software that operates at scale. This role is ideal for an engineer who can independently drive initiatives, influence technical decisions, mentor others, and contribute to a culture of engineering excellence. Mastercard powers an inclusive digital economy by making transactions safe, simple, smart, and accessible. Through secure technology, trusted partnerships, and continuous innovation, we help individuals, businesses, and governments realize their greatest potential. The Role : • Design, develop, test, deploy, and maintain high-quality software solutions that meet Mastercard standards for security, reliability, scalability, and operational excellence. • Independently drive technical initiatives from concept through production, navigating ambiguity, managing dependencies, and delivering measurable business outcomes. • Collaborate with product, engineering, operations, security, and compliance partners to translate business needs into well-designed technical solutions. • Contribute to architecture and design decisions for distributed systems, APIs, integrations, and platform capabilities, balancing business priorities with long-term maintainability. • Own software services throughout their lifecycle, including implementation, deployment, monitoring, incident response, and continuous improvement. • Troubleshoot complex application and production issues using logs, metrics, traces, debugging tools, and systematic root cause analysis techniques. • Participate in on-call support, incident reviews, and operational readiness activities while driving improvements that enhance reliability and reduce operational toil. • Apply secure-by-design and privacy-conscious engineering practices when working with sensitive financial and consumer data. • Foster engineering excellence through code reviews, technical mentoring, knowledge sharing, and promotion of development best practices. • Continuously improve automation, testing, observability, developer experience, and software delivery processes. • Use approved AI-assisted engineering tools responsibly to improve productivity while applying sound engineering judgment, rigorous validation, and strong protection of confidential or sensitive information. All About You : • Bachelor's degree in Computer Science, Information Technology, a related field, or equivalent practical experience. • Strong foundation in software engineering principles including system design, source control, testing, debugging, performance analysis, maintainability, and secure software development. • Expert-level proficiency with Java (17+) and Spring-based application development. • Experience designing and building RESTful APIs and service integrations. • Experience developing cloud-native applications and distributed systems, preferably in Azure environments. • Proficient with distributed source control systems (e.g., Git), including branching strategies, code review workflows, conflict resolution, and release management practices. •

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