Software Engineer II

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

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

The Decision Management Program (DMP) delivers industry‑leading intelligence that enables faster, smarter decisioning at global scale across the payment journey and beyond. Through a suite of products, DMP structures and applies complex business logic to help teams manage risk, adapt quickly to changing regulatory, geopolitical, or market conditions, and drive profitable customer engagements. Built for resiliency, availability, and future growth, DMP empowers Mastercard's market-facing programs with agile, intelligent decision management capabilities worldwide.

A Software Engineer II is an early‑career or entry‑level engineer who contributes to the design, development, testing, and maintenance of software solutions under the guidance of more senior engineers. This role is ideal for individuals who have a strong foundation in software development fundamentals and are eager to grow their technical skills while delivering value to real-world systems.

Software Engineer II roles follow clearly defined guidelines and focus on building core engineering skills, understanding enterprise systems, and learning Mastercard's engineering standards and processes.

Role

• The role provides foundational exposure to secure, scalable service development, encryption technologies, and enterprise engineering standards. Working within Agile delivery teams, the Software Engineer II collaborates with experienced engineers to help deliver high‑quality, reliable, and security‑critical software components.
• Contribute to the design, development, testing, and implementation of software solutions under guidance from senior engineers
• Develop and maintain application code in accordance with established engineering, quality, and security standards
• Create and execute unit tests and support automated testing efforts
• Participate in code reviews and incorporate feedback
• Assist with troubleshooting, defect resolution, and application support
• Collaborate with cross‑functional teams to deliver assigned work on schedule
• Adhere to audit, compliance, and information security requirements

All About You / Experience

• Bachelor's degree in computer science, Engineering, Information Technology, or equivalent experience
• Foundational knowledge of software engineering concepts and the software development lifecycle
• Experience with one or more programming languages (Java is a must)
• Familiarity with Agile development practices, testing concepts, and version control
• Strong analytical, problem‑solving, and communication skills
• Ability to work effectively in a collaborative, team‑based environment

Willingness to learn new technologies and tools

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