Senior Software Engineer

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
The ABU team enables issuers and acquirers to securely communicate account changes for credential-on-file and recurring payments to merchants. This helps increase approval rates for card-not-present transactions, improve customer satisfaction, and reduce customer service demand. We continue to strengthen platform performance, resiliency, and scalability to support evolving on-soil regulations and growing global demand.

We are modernizing the ABU platform and looking for a Senior Software Engineer to build and enhance highly available, distributed systems. This role provides the opportunity to solve complex technical challenges, contribute to architectural decisions, and deliver secure, reliable software at scale.

Role
-Design, develop, and maintain Java-based backend services using Spring Boot, Spring Integration, gRPC, and distributed system patterns.
-Translate business requirements and user stories into secure, efficient, and reusable software solutions.
-Contribute to technical design and architecture decisions that support performance, resiliency, maintainability, and system functionality.
-Create and maintain automated unit, functional, and integration tests to validate quality and interoperability.
-Analyze application performance, identify bottlenecks, and implement optimized solutions that meet service-level objectives.
-Apply secure coding practices and established engineering standards throughout the software development lifecycle.
-Conduct code reviews focused on quality, maintainability, and technical standards while mentoring junior team members.
-Troubleshoot complex issues across distributed systems, complete root-cause analysis, and implement lasting fixes.
-Support operational readiness through monitoring, observability, recoverability, and production support practices.
-Manage individual priorities, deadlines, user stories, and deliverables.
-Participate in Agile ceremonies, including daily stand-ups, story refinement, estimation, sprint planning, and retrospectives.
-Partner across Engineering, Architecture, Product Management, Testing, Release Management, and Application Support to deliver quality solutions.

All About You
-Bachelor’s degree in Computer Science, Software Engineering, or a related technical field preferred.
-Strong backend engineering background with Java, Spring Boot, Spring Integration, and REST or SOAP services.
-Proven ability to design, develop, test, and support enterprise-scale applications.
-Knowledge of software design principles, architectural patterns, domain-driven design, and non-functional requirements.
-Ability to interpret user stories and technical requirements and translate them into simple, scalable, and maintainable features.
-Advanced understanding of object-oriented programming, data structures, and algorithms.
-Experience creating automated unit, functional, and integration tests within continuous integration environments.
-Experience with messaging, event-driven architectures, and distributed communication technologies such as Apache Kafka or gRPC.
-Proficiency with Oracle and SQL databases.
-Knowledge of cloud-native development using AWS, Pivotal Cloud Foundry, or similar platforms.
-Familiarity with automated build, deployment, and continuous integration systems.
-Experience with tools such as Jenkins, Bitbucket, Artifactory, GitHub, and the Atlassian suite.
-Ability to assess system performance and implement solutions that improve efficiency, scalability, and reliability.
-Strong troubleshooting and root-cause analysis skills across distributed applications.
-Understanding of secure coding, vulnerability prevention, and software security standards.
-Experience supporting production systems through monitoring, observability, recoverability, and operational readiness practices.
-Preferred experience using AI-assisted software development tools such as GitHub Copilot or Claude Code.
-Effective written and verbal communication skills with the ability to build collaborative cross-functional partnerships.
-Ability to work independently in complex environments while providing technical guidance through code reviews, mentorship, and knowledge sharing.

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.

THIS POSTING RELECTS ONE OR MORE CURRENT VACANCIES ON OUR TEAM, AND MASTERCARD INTENDS TO FILL THIS POSITION BY 12/13/2026.



Pay Ranges

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