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

Who is Mastercard?

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.
Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

Overview

As a Senior Full‑Stack Engineer, you will design, build, and deliver cutting‑edge Open Finance solutions that power Mastercard’s next generation of data products. You’ll work across the entire technology stack—from highly available backend services built in Java to engaging front‑end experiences using React—partnering closely with designers, product managers, and architects to bring ideas to life.
You will contribute to Connect, the frontend component of our Open Finance applications, helping to drive innovative solutions in pursuit of a world beyond cash. This role requires strong backend engineering expertise (Java), robust frontend development skills (React), and the ability to collaborate across disciplines to deliver secure, scalable, and accessible software aligned to Mastercard’s highest standards.

Responsibilities

• Participate in team prioritization discussions with Product/Business stakeholders
• Estimate and own delivery tasks (design, dev, test, deployment, configuration, documentation) to meet the business requirements
• Automate build, operate, and run aspects of software
• Drive code/design/process trade-off discussions within their team when required
• Report status and manage risks within their primary application/service
• Drive integration of services focusing on customer journey and experience
• Perform demos/acceptance discussions in interacting with Product owners
• Understands operational and engineering experience, actively works to improve experience and metrics in ownership area
• Develop complete understanding of end-to-end technical architecture and dependency systems
• Drive adoption of technology standards and opinionated frameworks, and review coding, test, and automation work of team members
• Mentor and guide new and less-experienced team members
• Identify opportunities to improve an overall process and trim waste
• Share and seek knowledge within their Guild/Program to drive reuse of patterns/libraries/practices and enhance productivity

Experiences

• 5+ years of software engineering experience across backend and frontend development.
• Strong hands-on experience in backend development with applicable JAVA technologies (Core JAVA, Spring Integration, Spring Boot, REST/SOAP web services)
• Solid experience building RESTful APIs, microservices, and working in cloud environments (AWS, GCP, or Azure).
• Has ability to write secure code in JavaScript and Node.js
• A deep understanding of methodologies and design patterns for JavaScript, HTML5, complex CSS and responsive design
• Strong hands‑on experience in developing front end applications in React and frameworks RxJS
• Proven experience working with SQL Databases (preferable PostgreSQL).
• Experience in AI coding assistants tools like GitHub Copilot, Cursor, Claude Code, or Codex for code generation, refactoring, and debugging.
• Experience in AI prompt engineering to design, test, and refine prompts to improve the quality, accuracy, and relevance of AI-generated code.
• Experience with containerized applications (Docker and Kubernetes)
• Familiar with secure coding standards (e.g., OWASP, CWE, SEI CERT) and vulnerability management
• Able to perform debugging and troubleshooting to analyze core, heap, thread dumps and remove coding errors
• Understands and implements standard branching (e.g., Gitflow) and peer review practices
• Has skills in test driven and behavior driven development (TDD and BDD) to build just enough code and collaborate on the desired functionality
• Understands use cases for advanced design patterns (e.g., service-to-worker, MVC, API gateway, intercepting filter, dependency injection, lazy loading, all from the gang of four) to implement efficient code
• Understands and implements Application Programming Interface (API) standards and cataloging to drive API/service adoption and commercialization
• Has skills to author test code with lots of smaller tests followed by few contract tests at service level and fewer journey tests at the integration level (Test Pyramid concept)
• Apply tools (e.g., Sonar, Zally, Checkmarx ) and techniques to scan and measure code quality and anti-patterns as part of development activity
• Has skills to collaborate with team and business stakeholders to estimate requirements (e.g., story pointing) and prioritize based on business value
• Has skills to elaborate and estimate non-functional requirements, including security (e.g., data protection, authentication, authorization), regulatory, and performance (SLAs, throughput, transactions per second)
• Has skills to orchestrate release workflows and pipelines, and apply standardized pipelines via APIs to achieve CI and CD using industry standard tools (e.g., Gitlab, Jenkins, AWS/Azure pipelines, others).
• Has skills to understand, report, and optimize delivery metrics to continuously improve upon them (e.g., velocity, throughput, lead time, defect leakage, burndown)
• Has skills to document and drive definition-of-done for requirements to meet both business and operational needs
• Understands how to build robust tests to minimize defect leakage by performing regression, performance, deployment verification, and release testing
• Has skills to conduct product demos and co-ordinate with product owners to drive product acceptance signoffs
• Has skills to Understands customer journeys and ensure a Mastercard good experience by continuously reducing Mean time to mitigate (MTTM) for incidents and ensuring high availability (99.95% as a starting point)

Education

• Bachelor's Degree in Computer Science or Computer Engineering or Information Technology, or relevant experience in software development

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 [email protected] 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

Salt Lake City, Utah: $115,000 - $184,000 USD