M

Mastercard

Processes payments across a global network

Lead Software Engineer

Full-Time
$168k - $277k+ Annual bonus + Commission
Mid
New York, NY, USA
In Person
Software EngineeringBackend Engineering
Company Historically Provides H1B Sponsorship

About the job

Requirements
  • Ability to write secure code in three or more languages, such as C, C++, C#, Java, or JavaScript, and familiarity with secure coding standards, including OWASP, CWE, and SEI CERT.
  • Experience building applications using open frameworks to improve reuse and reduce development time, such as Spring Boot, Steeltoe, Angular, DXP, or similar frameworks.
  • Understanding of operating system internals, including Windows and Linux, to write interoperable and performant code.
  • Ability to debug and troubleshoot complex issues by analyzing core, heap, and thread dumps and resolving coding errors.
  • Ability to select and optimize data structures to support efficient, scalable, and maintainable software design.
  • Experience documenting and coaching teams on development practices and coding guidelines, including branching, peer reviews, library use, logging, scanning rules, test-driven development, and error handling.
  • Understanding of advanced design patterns, such as service-to-worker, MVC, API gateway, intercepting filter, dependency injection, and lazy loading, and ability to apply them to implement efficient code.
  • Ability to perform technical reviews of code across applications and dependencies to identify anti-patterns and promote continuous refactoring.
  • Understanding of technical debt and operational issues, and ability to communicate them to support prioritization discussions with stakeholders and improve the run experience.
  • Understanding of system architecture and ability to plan for platform and infrastructure capacity, including database, compute, network, and storage.
  • Experience improving customer journeys by reducing mean time to mitigate incidents and supporting high availability.
  • Experience simplifying deployment and eliminating software and infrastructure snowflakes using standardized platforms, ephemeral instances, and automation.
  • Ability to orchestrate release workflows and pipelines and apply standardized pipelines through APIs to achieve CI/CD using industry-standard tools, such as Jenkins, Bamboo, AWS/Azure Pipelines, XL Release, or similar tools.
  • Ability to configure rules and automation for vulnerability scanning and software composition analysis using tools such as Sonar, Checkmarx, Nexus, JFrog XRay, Veracode, or similar tools.
  • Ability to define, organize, and report on test runs for major, minor, and hotfix releases, including unit, component-level, system-level, customer journey, prior customer issue, and regulatory control testing.
  • Experience conducting performance tests, including load, spike, breakpoint, and endurance testing, to understand application and service limits and behaviors.
Responsibilities
  • Own complex problems with dependencies across services and facilitate cross-functional team interactions to drive resolution.
  • Write code to build and enhance applications and services, while promoting code reviews, code scanning, and standard development practices to deliver high-quality artifacts to production.
  • Define, design, and develop procedures and solutions at the service level to meet business requirements and enhancements.
  • Drive prioritization decisions and trade-offs in partnership with product stakeholders.
  • Identify opportunities and build roadmaps to enhance the primary service or function.
  • Automate and simplify all aspects of software delivery and development, actively identifying opportunities to improve efficiency.
  • Drive seamless integration across connected services to meet end-user expectations.
  • Support operational readiness by designing for observability, reliability, and maintainability after deployment.
  • Drive a blameless postmortem culture to identify root causes of incidents and implement learnings.
  • Introduce new technologies and architecture while following enterprise guidelines.
  • Advocate for engineering principles outside of the current organization or platform.
  • Provide development and architecture guidance to team members.
  • Build relationships and effective partnerships across organizations.
  • Write and evaluate recommendations for job promotions based on an unbiased view of accomplishments.
  • Conduct technical interviews for engineering roles and help raise the performance bar.
  • Lead by example with hands-on approaches that demonstrate engineering excellence.
  • Encourage team members to share and seek knowledge within their Guild or Program to drive reuse of patterns, libraries, and practices.

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.