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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 Job Description Summary Overview Who We Are — Mastercard Mastercard is a global technology company in the payments industry, operating in over 210+ countries and territories. Our mission is to power an inclusive, sustainable, digital economy that benefits everyone, everywhere — by making transactions safe, simple, smart, and accessible. We harness secure data, world‑class networks, deep partnerships, and relentless innovation to help individuals, financial institutions, businesses, and governments reach their greatest potential. Our culture is guided by our Decency Quotient (DQ) — a core value that influences every decision we make and how we treat all who rely on us. About AI & Decision Product Enablement (AI&DPE) AI & Decision Product Enablement (AI&DPE) is Mastercard’s innovation engine for AI‑driven decisioning at global scale. We build and enhance the platforms that power real‑time intelligence across Mastercard’s network — enabling: • Millisecond‑latency decisioning • Resilient, highly available global services • Hundreds of AI models • Hundreds of thousands of business rules • 0 50+ market‑facing products across Mastercard Services Products that protect revenue, mitigate fraud, and empower customers worldwide AI&DPE teams ensure Mastercard delivers industry‑leading agility, intelligence, resiliency, and scalability in every product we build. Role: Build, enhance, and run production-grade services by taking solution blueprints from Product Engineering teams and owning end-to-end delivery—from design refinement and implementation through release, monitoring, and operational excellence. What you’ll do (Key responsibilities): • Build responsive, accessible (WCAG-aware) user interfaces using React and modern TypeScript patterns. • Translate UX/UI designs (Figma/Sketch) into high-quality, reusable components aligned to a design system. • Design front-end architecture for scalability and maintainability (routing, state management, component composition, data-fetching patterns). • Integrate with backend APIs (REST/GraphQL) and handle authentication/authorization patterns (e.g., OAuth/OIDC flows) in partnership with platform teams. • Implement robust testing practices: unit/component tests, integration tests, and end-to-end tests; contribute to quality gates in CI/CD. • Drive performance and reliability: bundle optimization, rendering performance, caching strategies, error handling, and monitoring of client-side issues. • Ensure secure front-end practices: dependency hygiene, safe handling of user input, and adherence to secure SDLC standards. • Collaborate closely with Product, Design, Backend, and QA; contribute to iterative delivery, code reviews, and technical design discussions. Ways of working: • Comfortable collaborating with product and design partners; can clarify ambiguity and deliver iteratively. • Communicates clearly in PRs and technical notes; advocates for accessibility and performance as first-class concerns. • Balances speed with quality; pragmatic about trade-offs while maintaining engineering standards. • Proactive about production health and user experience, using data to drive improvements. Typical Deliverables: • UI technical design notes (component boundaries, state/data flow, API integration patterns) • Reusable React components and/or design-system contributions (documentation and examples) • Automated test suites (unit/component and end-to-end) integrated into CI/CD • Performance and accessibility improvements with measurable outcomes • Production readiness artifacts (feature flags, rollout notes, error monitoring dashboards/alerts where applicable) All About You • Must be detail-oriented, proactive, and able to function under pressure in a delivery-focused environment. • Demonstrates high ownership and strong follow-through; comfortable taking work from concept to production. • Possesses strong communication skills—both verbal and written—and strong collaborative/relationship-building skills. • Comfortable working in a matrixed, diverse, and geographically distributed team. • Deep understanding of modern software delivery practices including Agile and test-driven development. Core technical requirements (must-have): • Strong proficiency in React with TypeScript (functional components, hooks, composition patterns). • Solid understanding of HTML5, CSS3, responsive design, and modern styling approaches (CSS Modules, CSS-in-JS, Tailwind or equivalent). • Experience with state management and data-fetching patterns (Context, Redux Toolkit, Zustand, React Query/SWR or equivalent). • Strong testing discipline: Jest/Vitest, React Testing Library, and end-to-end testing (Cypress/Playwright). • Production experience with build tooling and performance optimization (Vite/Webpack, code-splitting, bundle analysis, lazy loading). • Experience integrating with APIs (REST and/or GraphQL), handling async flows, and implementing robust client-side error handling. • CI/CD familiarity for front-end apps (pipelines, quality gates, automated tests, artifact builds, environment promotion). • Accessibility fundamentals (semantic HTML, keyboard navigation, ARIA usage) and commitment to inclusive UX. Nice to have: • Experience building and maintaining design systems and component libraries (Storybook, token-based theming). • Familiarity with Next.js (SSR/SSG), route-based code splitting, and server components concepts. • Experience with observability for front-end applications (client-side logging, real user monitoring, error tracking). • Knowledge of secure front-end patterns (OWASP Top 10 awareness, CSP, XSS mitigation, dependency scanning). • Exposure to fintech/payments domain or other regulated environments. • Experience collaborating on API contracts and using API schema/contract tooling (OpenAPI, GraphQL schemas). Success measures (example): • Features delivered from design to production with low defect rates and minimal rework. • Improved user experience metrics (performance, accessibility compliance, usability feedback). • Well-tested UI with reliable releases through CI/CD and repeatable deployment practices. • Reduced production issues via observability, fast triage, and effective root-cause fixes. Experience level (guidance): Typically 3 – 7+ years in front-end/UI engineering with meaningful ownership of production web applications. 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.

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 Principal Software Engineer (Architecture) Our Purpose We connect and power an inclusive digital economy that benefits everyone, everywhere. We enable safe, simple, smart, and accessible transactions through secure data, strong networks, partnerships, and innovation. Our culture is driven by our Decency Quotient (DQ), fostering inclusion, respect, and diversity. We believe that diverse perspectives strengthen decision-making, drive innovation, and deliver better business outcomes. Overview Mastercard’s Network & Digital Payments group creates meaningful experiences for consumers while enabling merchants and issuers to engage in ways not possible in the pre-digital world. The Global Product Engineering team builds foundational payment solutions at scale. This role offers an opportunity to work in a high-impact environment focused on delivering secure, convenient, and controlled digital payment experiences. We are looking for leaders who: • Have experience building and scaling global products • Are passionate about driving a world beyond cash • Thrive in agile environments with high standards of engineering excellence Role In this role, you will drive collaboration across engineering, product management, enterprise functions, and regional business teams. You will also lead by defining the technical strategy, architecture, design, and execution to iteratively achieve outcomes • Own architecture across APIs, microservices, data, and integration patterns to deliver scalable, resilient, high-performance systems • Drive end-to-end design and implementation of critical services, staying hands-on in complex and high-risk areas • Lead key decisions across performance, scalability, reliability, security, and observability • Balance long-term architecture vision with practical delivery needs, platform stability, and business priorities • Partner closely with product, engineering, and architects to align roadmaps, transition states, and delivery sequencing • Provide technical leadership through design reviews, guidance, and hands-on support to engineering teams • Ensure solutions are cohesive, supportable, and aligned with enterprise standards and governance • Contribute to architecture governance, reviews, and documentation to drive clarity and execution alignment • Drive engineering excellence and modern practices (DDD, event-driven design, secure-by-design) • Lead early-stage initiatives (PoCs, pilots) and accelerate speed to market and platform evolution • Mentor engineers and emerging architects, strengthening technical capability across teams • Build strong collaboration across teams to ensure delivery quality, maintainability, and long-term platform health About You • Proven experience architecting large-scale, high-performance distributed platforms in complex enterprise environments. Must be high-energy, detail-oriented and proactive with the ability to function under pressure in an independent environment. • Strong ability to define solution direction across multiple teams and support engineering through design, build, and delivery. • Ability to communicate architecture clearly to support alignment, decision-making, and execution. • Strong partnership skills, with the ability to work closely with product teams to shape solution roadmaps and align architecture with evolving business priorities. • Confidence in leading decisions, managing trade-offs, and influencing technical and non-technical stakeholders. • Ability to combine strategic thinking with hands-on technical judgment, bringing clarity to ambiguity and helping teams move forward with confidence. Required Skills • Strong foundation in distributed systems, API and service design, modern backend architecture, and data-intensive platform design. • Experience with microservices architecture, domain-driven design, and modern integration patterns. • Experience with CI/CD, containers, Kubernetes, and modern delivery practices across private, public, and hybrid cloud environments. • Strong understanding of web architecture, application development, integration patterns, and RESTful APIs. • Experience with relational and operational data technologies, including Oracle and PostgreSQL, and data models that support high-volume transaction processing. • Ability to define non-functional requirements across resilience, scalability, observability, security, and performance, and ensure these are reflected in solution design. • Experience supporting modernization, migration, and platform transformation initiatives in environments where continuity of service is critical. Desirable Knowledge / Experience • Experience in fraud, decisioning, workflow, or analyst-facing platforms. • Experience with high-performance data storage technologies such as GemFire and similar in-memory or distributed data platforms. • Database experience, including Oracle and PostgreSQL, and data models that support high-volume transaction processing and operational workflows. • Experience with streaming or messaging platforms used to support event-driven and near-real-time architectures. • Experience integrating vendor and open-source products into an overall platform architecture. • Experience developing and supporting highly scalable, high-performance transaction processing systems. • Good working knowledge of cryptography functions and PKI infrastructure. • Familiarity with architecture governance, risk, assurance, or enterprise review processes. • Exposure to AI/GenAI or automation opportunities that improve user workflows, platform usability, or operational efficiency. 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. 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.

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 Principal Software Engineer Who is Mastercard? Mastercard is a global technology company specializing in the payments industry. Our mission is to connect and empower an inclusive, digital economy that benefits everyone, everywhere by ensuring transactions are safe, simple, smart, and accessible. Utilizing secure data and networks, strategic partnerships, and passion, our innovations and solutions support individuals, financial institutions, governments, and businesses in realizing their greatest potential. Our decency quotient, or DQ, drives our culture and influences everything we do both within and outside of our company. With connections spanning more than 210 countries and territories, we are committed to building a sustainable world that unlocks priceless possibilities for all. Overview Mastercard is looking for a talented Principal Software Engineer to join the Mastercard Foundry Research and Development team in our Nairobi office. In this role you will be part of a highly agile, AI native development team building innovative large-scale software platforms and solutions from ideation to release. Our team is built on a foundation of research and development, mining innovation internally, innovating new product lines with emerging technology, managing new products from inception to market validation and engaging strategically with start-ups to shape the future of commerce with and for our customers. At Mastercard you will help define the future of commerce globally. As an architect on the R&D team, you will be at the forefront of the design of complex, large-scale data-oriented new product concepts. This is a hands-on role for an engineer who is deeply engaged in using Generative and Agentic AI through the full product development lifecycle. You will work on lean, high-performance pods to architect software solutions to rapidly evolving product concepts which heavily leverage Mastercard and other datasets. The team will rapidly experiment with and iterate on AI native ways of working. We are looking for someone with deep experience designing large-scale customer-facing applications with significant data dependencies and significant experience leveraging AI in software architecture. Responsibilities of the role include: • Design highly scalable solution architectures for complex, early-stage product concepts across technology stacks, data platforms, and environments • Be a cultural influencer in use, adoption, and innovation of AI in solution architecture and software engineering through all phases of the product development lifecycle • Provide technical leadership on projects to architect, design, implement, deploy, and release complex applications, interfaces, and integrations • Contribute significantly to the technical strategy and lead implementation of the architecture of Data Platforms in Foundry R&D • Lead the scaling of AI systems including observability, evaluation, and cost optimization • Establish best practices for responsible AI, ensuring compliance, explainability and data privacy • Coach teams on technical best practices and use of AI across the Product Development Life Cycle Skills / Qualifications: • Hands on experience architecting and building 0 -> 1 applications using Generative AI, LLMs, or agentic patterns • Expertise leading the architecture, design, implementation, and release of complex products and applications • Extensive experience in senior engineering roles in enterprise-scale environments • Experience with one or more modern AI frameworks and SDKs for agent orchestration, AI application development, or coding-agent workflows (e.g., LangGraph, OpenAI Agents SDK, or Codex SDK) • Expertise in cloud platforms such as Databricks, Snowflake, AWS, and Azure • Knowledge of AI/ML, data analytics, and data product development with emphasis on data quality, data privacy, and localization • Usage of AI as part of daily engineering practice • Bearing both engineering depth and a product mindset • Proficiency with Java, Spring Boot, React, Typescript, Postgres and other object-oriented languages, front-end frameworks, and database technologies • Strong business acumen and ability to apply technology to solve business problems • Excellent verbal and written communication and cross-functional collaboration skills • Proven track record as a highly effective technical mentor 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.

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 About Ethoca Ethoca, a Mastercard company, is a global collaboration-based technology services provider that connects card issuers and merchants to combat fraud, enhance customer experience, and prevent disputes. To support our continued growth and success, we are seeking a talented Senior Software Engineer to join the Ethoca team. In this role you will be part of a highly agile team building exciting and innovative products delivered at scale to global markets. Role The Senior Software engineer will work within a cross-functional development team to estimate and own delivery tasks (design, dev, test, deployment, configuration, documentation) to meet the business requirements and enhance Ethoca’s product suite. This position requires collaboration with other engineering teams to deliver a wide range of strategic and tactical solutions. The ideal candidate should be proficient in entire SDLC including automation and product analysis. Given the diverse set of tools and services used across the business, the candidate will be exposed to various technologies and should possess a willingness to learn and adapt. You are passionate about design and technology and committed to doing things properly to avoid tech debt. • Participate in team prioritisation discussions with Product/Business stakeholders. • Estimate and own delivery tasks (dev, test, deployment, configuration, documentation) to meet the business requirements. • Drive code/design/process trade-off discussions within their team when required. • Report status and manage risks within their primary application/service. • Drive integration of services focusing on customer journey and experience • Perform demos/acceptance discussions in interacting with Product owners. • Understands operational and engineering experience and actively works to improve experience and metrics in the ownership area. • Develop a complete understanding of end-to-end technical architecture and dependency systems. • Drive adoption of technology standards and opinionated frameworks, and review coding, test, and automation work of team members • Mentor and guide new and less-experienced team members. Test Automation & Framework Development • Design, develop, and maintain scalable automated validation frameworks. Engineering Excellence • Review test architecture, automation code, and quality solutions. • Drive shift-left quality practices. • Participate in design reviews and provide quality-focused recommendations during architecture discussions. All About You Required Qualifications • Bachelor's degree in Computer Science, Engineering, or related discipline. • 7+ years of experience in Software Engineering with exposure to entire SDLC. • Strong programming skills in one or more languages such as Java, Python, JavaScript. • Experience building automation frameworks from the ground up. • Strong experience with: ◦ REST APIs ◦ Microservices ◦ Event-driven architectures ◦ Distributed systems ◦ Cloud-native applications • Experience with CI/CD platforms such as GitLab, Jenkins, GitHub Actions, or equivalent. • Experience with automation tools such as: ◦ Selenium ◦ Playwright ◦ Cypress ◦ Rest Assured ◦ Postman • Good understanding of Data build tool (DBT) testing to ensure data quality, reliability, and accuracy across data engineering pipelines. • Strong experience with SQL and data analysis and validation. • Strong understanding of Agile and DevOps practices 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.

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 Overview The VCN, Spend Controls & Alerts team is looking for a Lead Software Engineer to help achieve time-to-market, quality excellence, and higher customer satisfaction. The ideal candidate is passionate about the customer experience journey, highly motivated, intellectually curious, analytical, and possesses an entrepreneurial mindset. A Lead Software Engineer position at MasterCard requires hybrid skills that involves hands-on knowledge of software development & quality engineering to develop a resilient software product that is testable in close to fully automated manner. Additionally, role requires in depth understanding of design patterns and perform code reviews. Role You will be responsible for programming, testing, implementation, documentation, maintenance, and support of systems application software in adherence with MasterCard standards, processes, and best practices. Responsibilities include the following: • Lead a team of talented engineers to develop high-performance, high-volume Java applications. • Work closely with technical leads, architects, and product owners to help define features and user stories. • Develop high quality, secure, scalable software solutions based on technical requirements specifications and design artifacts within expected time and budget. • Research, create and evaluate technical solution alternatives for the business needs current and future. • Work with project team to meet scheduled due dates, while identifying emerging issues and recommending solutions. • Document software programs per Software Development Best Practices • Follow MasterCard Quality Assurance and Quality Control processes. • Contribute ideas to help ensure that required standards and processes are in place and actively look for opportunities to enhance standards and improve process efficiency. • Support collection and reporting of project and software metrics • Design and develop test automation scenarios to validate system to system interfaces and complete software solutions (for API and UI tests) • Closely adhere to quality standards and assist team members in validating application functionality through the implementation of test strategies, frameworks, tools, reports, etc. • Provide automation tests for operations teams to use in Ci/Cd automated quality gates. • Identify and implement complex automation efforts, including refactoring of automation code where needed. • Provide technical training to the other team members. All about You • Bachelor’s degree in information systems, Information Technology, Computer Science or Engineering • 10-13 years of strong hands-on experience of working on Scalable, Multi-threaded software products developed using core Java, Spring Core, Spring Boot, Spring Batch Hibernate/JPA, Maven/Gradle, PL/SQL, Unix/Shell scrips and deployed on Tomcat. • Experience of leading one or more scrum teams of software engineers to provide technical direction to the team and resolve blockers faced the development team • Strong hands-on experience of working on both SOAP & RESTFUL APIs • Knowledge of Cloud Native Development such as Pivotal Cloud Foundry (PCF) & AWS • Excellent hands-on knowledge of CI/CD tools such as Jenkins • Hands-on experience of working on Test Automation Frameworks & related tools such as Selenium, Rest-assured, TestNG, Postman • Good understanding of Java/microservices design patterns is expected. • Create and own solution design for different features and ability to explain the same to non-technical as well as technical members by documenting the same. • Knowledge of common industry standard best programming practices. • Ability to innovate and develop new approaches to complex design problems. • Experience working in a dynamic and collaborative work environment and make independent decisions. • Ability to learn and deploy new technologies as needed. • Experience in building scalable, maintainable applications. • Excellent verbal and written communication along with the Ability to multi-task and meet deadlines. • Experience using the Agile Methodology and working with cross functional teams. • Proven experience building world class solutions on a global scale. • Experience working in an agile environment and actively contributing to discussions at retrospectives/elaboration sessions. 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.

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 AI Engineer, Big Data & AI Solutions Overview The Security Solutions Data Science team develops AI and machine learning capabilities that help protect the global payments ecosystem from fraud and cyber threats. Supporting Mastercard's Safety Net product, the team creates and enhances models that analyze billions of transactions and identify suspicious activity in real time. As a Senior AI Engineer, you will work at the intersection of AI engineering and big data engineering, helping improve the models, data assets, and operational processes that power fraud detection. You will collaborate closely with Data Scientists and Engineers to strengthen feature engineering, advance model monitoring capabilities, and deliver AI-driven solutions that improve performance and efficiency. Role As a Senior AI Engineer, you will: -Support machine learning models that help detect cyber-attacks, fraud and improve decision intelligence. -Create data pipelines and feature engineering workflows that enable model development and evaluation. -Process and analyze large-scale datasets to uncover insights and improve model inputs. -Strengthen monitoring, observability, and drift detection capabilities across production environments. -Apply automation and MLOps practices to improve reliability, efficiency, and scalability. -Develop AI-powered solutions that address engineering challenges and streamline operational processes. -Partner with Data Scientists, Engineers, and Product teams to bring new capabilities into production. -Contribute ideas that improve model performance, operational visibility, and team productivity. Required Qualifications -Master’s degree with 2+ years of relevant experience, or Bachelor’s degree with 5+ years of relevant experience, in Computer Science, Artificial Intelligence, Machine Learning, Data Science, Engineering, or a related field; equivalent practical experience will also be considered. -Proficiency in Python, PySpark, SQL, and distributed data processing. -Hands-on experience with feature engineering, large-scale data processing, and analytics. -Hands-on experience with Databricks, Airflow, Hadoop, Linux/Unix, cloud-native technologies -Understanding of machine learning and deep learning techniques. -Understanding of model deployment, evaluation, monitoring, and optimization. -Knowledge of MLOps concepts including testing, automation, CI/CD, and version control. -Ability to communicate technical concepts and collaborate across teams. Preferred Qualifications -Fraud, cybersecurity, payments, or risk management domains. -Experience with Generative AI, LLMs, RAG, or agentic AI applications. -Familiar with AI-assisted development tools such as GitHub Copilot, or Claude Code. -Experience working with cloud-based data and AI environments. 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 11/12/2026. Pay Ranges O'Fallon, Missouri: $115,000 - $184,000 USD

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

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 Mastercard's Core Payments engineering teams build and support the platforms responsible for secure, reliable, and scalable payment capabilities around the world. This Senior Full Stack Software Engineer will contribute to mission-critical solutions that support Foreign Exchange rate setting across Mastercard, including external APIs clients use to access exchange rates and internal services that help power high-impact payment operations. Working closely with product managers, business stakeholders, and engineering teams, you will design and deliver new features, strengthen automated testing practices, and improve the efficiency, quality, and stability of systems operating at global scale. This role is well suited for a software engineer who can move across front-end, back-end, APIs, and automated integration testing while staying curious, collaborative, and quick to respond when something breaks during development. Role •Design, develop, and enhance full stack applications, APIs, and services that support Mastercard's Core Payments and Foreign Exchange rate-setting capabilities. •Deliver new features from design sessions and team planning through implementation, automated testing, release support, and ongoing enhancement. •Build and maintain automated unit, functional, integration, and regression tests that improve release speed and help the team quickly identify issues during development. •Support work that is approximately 10% design sessions and team meetings, 60% software implementation, and 30% automated integration testing and development. •Build business and product knowledge over time, becoming a trusted resource within the team while helping newer engineers learn, ask questions, and grow. •Translate business and product requirements into scalable, maintainable solutions that meet functional and non-functional requirements. •Define acceptance criteria, testing strategies, and quality standards that promote stable and predictable releases. •Participate in requirements reviews, sprint planning, and technical discussions to deliver incremental value throughout the development lifecycle. •Create and maintain technical designs, user stories, and test cases using Jira. •Contribute to architecture discussions, helping shape solutions that prioritize performance, resiliency, maintainability, and security. •Review code, provide constructive feedback, and promote engineering practices that improve software quality and reduce technical debt. •Analyze system behavior, troubleshoot production issues, perform root-cause analysis, and implement long-term corrective actions. •Enhance operational readiness through monitoring, observability, recoverability, and supportability improvements. •Identify opportunities to optimize application performance and scalability while supporting service-level objectives. All About You •Strong proficiency in Java, Spring Boot, Jakarta Persistence API/JPA, and REST-based services using JSON and XML. •Proven ability to build automated unit, functional, integration, and regression testing solutions, with a clear understanding of why automation matters for mission-critical systems. •Ability to work across APIs, web applications, and full stack development, with Angular or a similar front-end framework strongly preferred; React is also relevant. •Curious, humble, and open to new ideas, with the confidence to ask questions, learn quickly, and support a collaborative team environment. •Ability to design scalable software solutions that balance performance, maintainability, security, and operational reliability. •Familiarity with distributed systems, service-oriented architectures, and modern software design patterns. •Strong understanding of software quality principles, test strategy development, and automation frameworks such as JUnit. •Knowledge of CI/CD practices and automated delivery pipelines. •Ability to evaluate code quality, identify improvement opportunities, and contribute to a culture of continuous improvement. •Strong troubleshooting and analytical skills with the ability to diagnose and resolve complex technical issues. •Understanding of performance engineering concepts, including scalability, throughput, and optimization techniques. •Commitment to secure coding practices and development standards that support highly available enterprise applications. •Solid understanding of data structures and algorithms and their application to real-world engineering challenges. •Effective communication skills with the ability to collaborate across engineering, product, program management, and business teams. •Comfortable balancing multiple priorities while delivering high-quality solutions in a fast-paced Agile environment. •Familiarity with Agile methodologies and tools such as Jira. 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 12/09/2026. Pay Ranges O'Fallon, Missouri: $115,000 - $184,000 USD