Job Description
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
Lead Software Engineer (Artificial Intelligence and Decision Product Enablement Program)
Overview
Mastercard is a global technology leader in payments, operating the world’s fastest and most secure payment processing network. We connect consumers, financial institutions, merchants, and governments across 210+ countries and territories—enabling frictionless, secure, and efficient commerce experiences.
Join Mastercard’s award-winning Artificial Intelligence and Decision Product Enablement (AI & DPE) program as a Lead Software Engineer on the Clearing Decisioning team. In this role, you’ll work on a high-performance, real-time Artificial Intelligence (AI) and decisioning platform that leverages advanced AI solutions and processes hundreds of thousands of transactions every second -- ensuring payment security at a global scale.
You will:
• Lead the design and delivery of high quality, reliable software, guide key technical decisions and contribute to overall platform design.
• Promote strong engineering practices such as clean code, reviews, automation, and CI/CD.
• Mentor engineers and collaborate with product and cross functional partners to deliver solutions.
If you thrive in a fast-paced environment and are passionate about delivering excellence, join us and help shape the future of secure, intelligent payments.
Location: St. Louis, Missouri (three onsite days per week)
Required Skills
• Demonstrates strong ownership and the ability to learn and adapt quickly. Proven ability to lead through influence by aligning others, driving decisions, and unblocking delivery.
• Solid understanding of service and platform level system design (e.g. distributed systems, event driven architectures), advanced design patterns (e.g. dependency injection, lazy loading) and experience with open frameworks (e.g. Spring Boot).
• Strong software engineering fundamentals with hands on development experience designing, building and maintaining production grade systems.
o Expertise in Java, Spring, gRPC and backend service development for high performance, scalable applications
o Experience with CI/CD pipelines (Jenkins), Docker, Kubernetes, and container orchestration.
o Familiarity with cloud platforms (AWS) and including cloud native architectures and migration strategies.
o Experience with relational databases (Oracle) and NoSQL databases (e.g. Cassandra)
o Experience with Business Rule Management System such as IBM ODM, Queuing technologies such as MQ and Kafka
o Proven ability to lead design discussions, review code, and enforce engineering standards.
o Experience with modern development practices (Agile, CI/CD, automated testing, code reviews).
• Experience with secure coding standards (e.g., OWASP, CWE, SEI CERT) and vulnerability management
#AI1
#LI-SG3
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: $140,000 - $231,000 USD
Job Tags
Full time, Worldwide, Flexible hours, 3 days per week