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Mastercard

Processes payments across a global network

Senior Software Engineer

Full-Time
$115k - $184k+ Annual bonus + Commission
Senior
Bachelor's
O'Fallon, MO, USA
In Person
Software Engineering
Company Historically Provides H1B Sponsorship

About the job

Requirements
  • Write secure code in multiple languages and understand secure coding standards such as OWASP, CWE, and SEI CERT, as well as vulnerability management.
  • Understand engineering principles for mission-critical software, including security, scalability, resiliency, performance, operability, customer experience, testing, and simplification.
  • Understand software design, software architecture, data structures, and algorithms, and develop scalable, maintainable solutions.
  • Author test code using many small tests, fewer service-level contract tests, and fewer integration-level journey tests (the Test Pyramid concept).
  • Use tools such as Sonar, Zally, and Checkmarx to scan and measure code quality and anti-patterns during development.
  • Conduct code reviews and troubleshoot complex application and production issues in distributed systems.
  • Collaborate with team and business stakeholders to estimate requirements, including story pointing, and prioritize according to business value.
  • Perform domain-driven design to architect and map software solutions to business contexts.
  • Orchestrate release workflows and pipelines, and use standardized pipelines via APIs to achieve continuous integration and continuous delivery with industry tools such as Jenkins, AWS or Azure pipelines, and XL Release.
  • Configure rules and build code automation for vulnerability scanning and software composition analysis using tools such as Sonar, Checkmarx, JFrog XRay, and Veracode.
  • Manage builds and artifacts using tools such as Artifactory, and ensure error-free production deployments using canary or blue-green techniques.
  • Have experience with performance tuning, monitoring, observability, and maintaining highly available production systems.
  • Author test cases using behavior-driven development and customer journey concepts.
  • A bachelor's degree in software engineering, computer science, information technology, or a related discipline is preferred, or equivalent work experience.
Responsibilities
  • Participate actively in team prioritization discussions with Product and Business stakeholders.
  • Estimate and own delivery tasks covering design, development, testing, deployment, configuration, and documentation to meet business requirements.
  • Drive code, design, and process trade-off discussions within the team when required.
  • Conduct demos and acceptance discussions with Product owners.
  • Develop a complete understanding of the end-to-end technical architecture and dependent systems.
  • Drive adoption of technology standards and opinionated frameworks, and review team members’ coding, testing, and automation work.
  • Mentor and guide new and less-experienced team members.
  • Identify opportunities to improve processes and reduce waste, and share and seek knowledge within the Guild or Program to reuse patterns, libraries, and practices and improve productivity.
  • Abide by Mastercard’s security policies and practices; protect the confidentiality and integrity of accessed information; report suspected information security violations or breaches; and complete required periodic security training.
Desired Qualifications
  • Experience developing applications that use cryptography.
  • Knowledge of the payment industry.

About the company

Mastercard operates a global payment network connecting financial institutions, merchants, businesses and consumers. It authorizes, clears and settles transactions between participating institutions, while banks issue Mastercard-branded cards and extend credit to their customers. Its services also include fraud detection, identity verification, payment tokenization, data analysis and consulting for organizations managing commerce and financial operations. The company earns network fees linked to payment volumes and processed transactions, along with fees for its services and solutions. Founded by a group of banks in 1966, Mastercard is headquartered in Purchase, within Harrison, New York.

Company Size

10,001+

Company Stage

IPO

Headquarters

Town of Harrison, New York

Founded

1966

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Simplify Jobs

Simplify's Take

What believers are saying

  • Revenue is growing: July 2026 Mastercard reported $9.3 billion Q2 net revenue, up 14% year over year.
  • Services broaden growth: July 2026 Mastercard reported Q2 value-added services and solutions net revenue growth of 20%.
  • Parent support has a published floor: Mastercard lists at least 16 weeks of new parent leave, with regional variations.

What critics are saying

  • Customer incentives complicate revenue: Mastercard adjusts rebates when actual client transaction volumes differ from estimates.
  • Legal costs remain material: February 2026 Mastercard reported $504 million in pre-tax litigation provisions for 2025.
  • Remote work is program based: Mastercard lists a hybrid policy and four-week work-from-elsewhere benefit, with regional variations.

What makes Mastercard unique

  • Acceptance spans currencies: Mastercard's network processes payments in over 210 markets and 150 currencies.
  • Tokens connect payment participants: Mastercard's APIs enable issuers, merchants and service providers to use tokens at scale.
  • Fraud scoring extends beyond Mastercard cards: Decision Intelligence assesses transactions processed by any payment network.

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Benefits

New Parent Leave

Inclusive Family Building Benefit

Employee Family Resource Program

Bereavement Leave

Dependent Scholarship

Employee Assitance Fund

Business Resource Groups

Employee Recognition

Flexible Work

Tuition Assistance

Travel Assistance

Matching Charitable Gifts

Company News

Yahoo Finance
Oct 13th, 2026
Mastercard backs Orbi's crypto card in Mexico, but $666.71 fair value implies only 12% upside

In early October 2026, SoFi Tech Solutions, Orbi and Mastercard launched a crypto-linked card programme in Mexico. Orbi customers can spend fiat or crypto balances through real-time conversion, while merchants are paid in traditional currency. The card runs on Mastercard's Mexico Domestic Switch network for purchases and ATM withdrawals. Orbi is the first crypto-focused client of SoFi Tech Solutions' Mastercard BIN sponsorship programme in Mexico. The deal also sets up future stablecoin-powered remittances and payments over Mastercard's network. The move shows Mastercard weaving digital assets into existing payment rails rather than bypassing them. Its narrative projects $49.9 billion in revenue and $23.3 billion in earnings by 2029, up from $16.3 billion today.

Independent News & Media
Oct 13th, 2026
ArmadilloPay wins Central Bank of Ireland e-money licence and closes oversubscribed $2.2M seed round

Dublin-based fintech ArmadilloPay has won an e-money institution licence from the Central Bank of Ireland. The licence lets it issue e-money and provide regulated payment services. The company also said its €2 million seed round was oversubscribed, with backing from Enterprise Ireland and Mastercard. Founded four years ago by Rob Anderson and Liam Sheehan, ArmadilloPay has hired former senior executives from Monavate, Bunq, and PayPal. It will now take its single Application Programming Interface (API) to market, targeting high-volume, low-value international payments such as travel disruption payouts and gig economy disbursements. Anderson, the chief executive officer, said such payments are traditionally underserved and heavy on compliance.

Fortune
Oct 12th, 2026
Mastercard readies for rogue AI agents spending money, keeping humans in the loop

Mastercard is preparing for the risk that AI agents with spending power go rogue, as the technology moves beyond assisting users to buying on their behalf. Its Agent Pay technology lets consumers instruct an AI assistant to, say, buy tickets within a set budget. Agent Pay for Machines lets autonomous systems transact with one another within defined parameters. President and chief technology officer Ed McLaughlin said the key is knowing which agent is buying, who permitted it, and what it may purchase. "Part of it is bringing humans back into the loop," he said. "So even if the agent goes rogue and tries to do something, you can say no." He expects agentic commerce to follow online shopping and mobile payments, which faced early scepticism. Mastercard's network spans 3.7 billion accounts worldwide.

Yahoo Finance
Oct 12th, 2026
Mastercard and ConocoPhillips are buys near 52-week highs, but Biogen is a sell

Investment research site StockStory picked two stocks to buy and one to avoid among companies trading near 52-week highs. It likes Mastercard and ConocoPhillips, and advises selling Biogen. Mastercard trades at $588.84 per share, or 27x forward earnings. Its revenue grew 16.1% a year over five years, and its return on equity is 182%. ConocoPhillips trades at $134.30, or 12.3x forward earnings. Its revenue grew 10.1% a year over ten years, and its revenue stands at $65.28 billion. Biogen trades at $224.63, or 16.5x forward earnings. Its revenue fell 3% a year over five years, and its earnings per share have declined.

Markedium
Oct 11th, 2026
6th Bangladesh Fintech Summit explores the next phase of Digital Finance in Bangladesh.

6th Bangladesh Fintech Summit explores the next phase of Digital Finance in Bangladesh. markediumOctober 11, 20263 Mins read The day-long Mastercard Presents 6th Bangladesh Fintech Summit Powered by Dhaka Bank PLC & in Association with Upay was held today at the Radisson Blu Water Garden Hotel, Dhaka, convening banking and fintech leaders, C-Suite executives, investors, regulators, technology experts, startup founders, and academicians from across the country and beyond. Initiated by Bangladesh Fintech Forum and organised by Bangladesh Brand Forum, the summit examined the priorities shaping the next phase of Bangladesh's digital financial transformation as stated in the Press Release. The Bangladesh Fintech Summit seeks to strengthen the country's financial technology ecosystem through knowledge exchange, industry collaboration, and policy dialogue. This year's discussions focused on moving from digital adoption towards dependable financial infrastructure, exploring how institutions can expand inclusion, strengthen customer confidence, and prepare for an increasingly technology-driven financial sector. The initiative comprised 2 Keynote Sessions, 3 Panel Discussions, 1 Expert Deep Dive, 1 Insight Session, and 1 Case Study, connecting regional banking experience with the practical priorities of Bangladesh's financial ecosystem. Welcoming the distinguished guests, Sajid Mahbub, Group Chief Executive Officer & Executive Editor, Bangladesh Brand Forum, remarked, "The next chapter of Bangladesh's fintech journey will depend on how effectively we turn digital adoption into lasting financial capability. Innovation must make financial services more useful and accessible, while strengthening the trust people place in them. This requires institutions, entrepreneurs, and policymakers to work together on the infrastructure and standards that will support our financial future." The summit featured keynote sessions led by Naushad Hussain, Chief Banking & Network Officer, TransFi Global; Former Group Chief Strategy Officer, Lightnet Group; Former Member of the Board of Directors, Inception Technology Co. Ltd.; Former Managing Director & Head of Global Retail Payments, CIMB Group; Khuan Yew Lee, Executive Director, Regional Head of Product, GXBank, GXS Bank & Grab; Former Senior Product Leader, Global Payments for Alibaba, Ant Group. The sessions examined the convergence of banking across ASEAN and South Asia and the journey of growing a digital bank from inception to one million customers. They explored the changing dynamics of regional banking and the importance of product development and customer confidence in scaling digital financial services. The Expert Deep Dive was led by Gazi Yar Mohammed, Co-founder & CEO, Kube Money; Co-Founder, Dana Fintech; Former EVP, Head of Digital Financial Services, One Bank Limited. The session explored the transition from automation to agentic intelligence and what this shift means for Bangladeshi banks and fintech companies, examining the implications of increasingly autonomous AI for financial services. Across the other sessions, speakers explored how AI and digital banks could reshape Bangladesh's financial services over the coming decade, alongside the role of cashless transactions and interoperability in reaching the next 100 million people. Discussions also addressed secure and scalable financial infrastructure, regulatory sandboxes, AI governance, data protection, and consumer protection. These conversations connected the opportunities of technological advancement with the institutional capabilities and regulatory foundations needed to build trust and support responsible innovation. Notable speakers included Osman Ershad Faiz, Managing Director & CEO, Dhaka Bank PLC.; Mohammad Ali, Managing Director & CEO, Pubali Bank PLC.; Syed Mahbubur Rahman, Managing Director & CEO, Mutual Trust Bank PLC.; Farzanah Chowdhury, Chartered Insurer, Managing Director & CEO, Green Delta Insurance PLC.; Ali Reza Iftekhar, Advisor, Bank Asia PLC.; Former Managing Director & CEO, Eastern Bank PLC.; Shyamol B. Das, Managing Director & CEO, UCB Fintech Company Ltd.- upay; Zakia Sultana Laboni, Country Manager, Mastercard Bangladesh; Yousup Faruqu, Chief Executive Officer, Raptas, Former Managing Director, Microsoft- Bangladesh, Bhutan, Nepal; Professor Imran Rahman, Dean of Business & Policy Advisor, Independent University, Bangladesh; Board Member, BRAC University; Independent Director & Vice Chairman, DBH Finance PLC.; among others, whose contributions brought banking, payments, insurance, and institutional leadership perspectives to the priorities facing Bangladesh's financial sector. Bangladesh Fintech Forum initiated the Mastercard Presents 6th Bangladesh Fintech Summit Powered by Dhaka Bank PLC & in Association with Upay. The event was organised by Bangladesh Brand Forum. Supported by: Brain Station 23; Innovation Partner: Bangladesh Innovation Conclave; Official Carrier Partner: Turkish Airlines; Hospitality Partner: Radisson Blu Water Garden Hotel, Dhaka; PR Partner: Backpage PR. For more updates, be with Markedium.