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. We work to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible.

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:
The Customer connect team was created to establish Mastercard as the frontrunner in the fast-evolving real-time payments space, and to position MasterCard to be able to incubate the development of new payment flows.
The team is responsible for designing, building, and operating the technology that powers Mastercard’s next generation payment applications – Domestic, Cross Border and Bill Payments.

Mastercard seeks to define a world beyond cash. To accelerate this mission, we are committed to building & scaling products & applications that transform payments of any type. Real time payment technology is central to this strategy. We are looking for a lead software engineer to implement large scale distributed systems based on reactive architectures.

• Do you like to be part of a team that creates and executes strategic initiatives centered around digital payments?
• Do you look forward to developing and engaging with high performant diverse teams around the globe?
• Would you like to be part of a highly visible, strategically important global engineering organization?

What’s it all about and what we expect you to do day to day
• Own software delivery tasks (code development, test, deployment, release, configuration and documentation) at an application/software component level
• Able to troubleshoot and refactor existing code for exceptional code quality.
• Adopt new languages and architecture patterns needed for the work.
• Participate and contribute to team’s agile process and decisions. Understand and contribute to Prioritization.
• Pull from backlog and deliver work after seeking guidance from experienced team members and in partnership with full scrum team.
• Automate build, operate, and run aspects of software
• Drive code/design/process trade-off discussions within their team when required
• 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

All About You and What you need to bring:
• Excellent programming skills( OOP, SOLID, 12-factor) - java preferred
• Experience in Continuous Integration (CI) and Delivery (CD) concepts, and capabilities to support automation, pipelines, virtualization, and containerization
• Have exposure to working on Apache Kafka and Stream processing platform Apache Flink
Strong experience in observability frameworks, with hands-on expertise in OpenTelemetry.
• Familiar with secure coding standards (e.g., OWASP, CWE, SEI CERT) and vulnerability management
• Infrastructure as code and cloud-first software development knowledge experience preferred.
• Has skills in test driven and behavior driven development (TDD and BDD) to build just enough code and collaborate on the desired functionality.
• Understands the use of basic design patterns (e.g., factory, adaptor, singleton, composite, observer, strategy, inversion of control)
• Has ability to write code (in languages such as Java, Python, Bash) to build automation tasks that are repeatable and efficient

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. THIS POSTING RELECTS ONE OR MORE CURRENT VACANCIES ON OUR TEAM, AND MASTERCARD INTENDS TO FILL THIS POSITION BY 07/09/2026.

Pay Ranges

O'Fallon, Missouri: $115,000 - $184,000 USD