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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:

Mastercard Send (part of the Mastercard Move portfolio) enables near real-time money movement across billions of card, bank, and digital accounts globally. Program participants (banks, businesses, and digital players) use Send to modernize domestic and cross-border payments, making funds available to recipients almost instantly. Send supports critical use cases such as disbursements, gig-economy payouts, and person-to-person transfers, accelerating a structural shift toward payment immediacy where timely access to funds can be economically and socially transformative.

Send has achieved strong adoption across banks, fintech's, and digital ecosystems and represents a significant growth engine within Mastercard. The program is on track to generate over $600M in revenue in FY2025 and is expected to grow by 50% over the next three years. For engineering leaders, Send offers the opportunity to build and operate a large-scale, real-time distributed system where reliability, performance, and trust directly translate into measurable business outcomes and meaningful socio-economic impact.

All About You:

Deep hands-on background in Java based distributed systems, with a strong grasp of performance, resilience, and scalability trade-offs.

Lead end‑to‑end development of enterprise applications using Java/J2EE and modern frameworks.

Translate business requirements into technical designs, architecture diagrams, and API specifications.

Experienced in agile and modern SDLC practices (Scrum/Kanban/Continuous Delivery/DevOps/Quality engineering) and the delivery situations they are used for.

Build scalable, resilient systems using microservices, event‑driven patterns, and distributed system principles.

Drive code quality, design reviews, automated testing, CI/CD adoption, and secure development practices.

Ensure solutions meet Mastercard's standards for security, performance, and compliance.

Support production systems, lead incident resolution, and perform root‑cause analysis.

Conduct POCs, evaluate new technologies, and contribute to platform modernization.

Mentor engineers and collaborate with cross‑functional and offshore teams to ensure consistent delivery.

key Technical Skills:

Java, J2EE, Spring Boot, Spring Batch

REST/SOAP, multithreading, JVM tuning

Spark, HDFS, Scala, Python

Kafka, Apache NIFI

AES, RSA, JWE/JWS, OAuth2

Secure coding (OWASP, PCI‑DSS), certificate/key management

Oracle, PostgreSQL, MySQL, MongoDB, Cassandra, Redis

SQL optimization, data modeling

Jenkins, Docker, Kubernetes

PCF, AWS, Azure, Splunk, Grafana, Prometheus, Dynatrace, AppDynamics

SLIs/SLOs, error budgets, chaos testing

Incident management (on‑call operations, RCA, post‑mortems, runbooks)

Pay Ranges

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

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: $115,000 - $184,000 USD