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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 Software Engineer II The Core Payments department is hiring a highly motivated Software Engineer II with a passion for Artificial Intelligence, Machine Learning, and Generative AI technologies. This role is responsible for designing, developing, testing, deploying, and maintaining scalable software solutions that leverage AI capabilities to solve business problems, improve operational efficiency, and create innovative customer experience. The ideal candidate combines strong software engineering fundamentals, system design expertise, and experience building enterprise-grade applications and service with proficient familiarity with AI/ML technologies, cloud platforms, and modern development practices to build production-ready AI-enabled applications. Key Responsibilities Software Development • Design, develop, test, deploy, and maintain scalable software applications and services. • Build APIs, microservices, and distributed systems that integrate with AI and Machine Learning capabilities to support business-critical applications. • Write clean, maintainable, reusable, and well-documented code following engineering best practices. • Apply software design principles and architectural patterns to develop scalable and reliable solutions. • Collaborate with product managers, architects, developers, and business stakeholders to deliver high-quality software solutions. • Experience leveraging AI-assisted development tools such as Claude Code and GitHub Copilot to improve engineering productivity and code quality. • Experience designing, developing, and utilizing AI agents, skills, and Model Context Protocol (MCP) integrations to automate workflows and enhance application capabilities. • Implement CI/CD pipelines for AI applications and software services. • Automate testing, deployment, monitoring, and operational support processes. • Ensure high availability, security, and performance of AI-enabled applications Software Architecture & Design • Contribute to software architecture decisions and technical designs that promote scalability, maintainability, security, and performance. • Evaluate technical solutions and recommend appropriate technologies, frameworks, and design patterns. • Develop system integrations and services that support enterprise application ecosystems. • Design solutions that support future growth while minimizing technical debt. Testing & Quality Engineering • Develop and maintain unit, integration, and functional tests to ensure software quality and reliability. • Implement automated testing practices within CI/CD pipelines. • Participate in code reviews to improve code quality, maintainability, and adherence to development standards. • Promote engineering best practices, coding standards, and continuous improvement initiatives. Performance & Reliability Engineering • Monitor and optimize application performance, scalability, and resource utilization. • Identify performance bottlenecks and implement improvements to enhance system efficiency. • Design applications for resiliency, fault tolerance, and high availability. • Support performance testing, capacity planning, and operational readiness activities. Secure Software Engineering • Apply secure coding practices and security-by-design principles throughout the development lifecycle. • Identify and remediate software vulnerabilities and technical risks. • Ensure applications comply with organizational security, compliance, and governance requirements. • Partner with security teams to address software and infrastructure security concerns. Operability & Support • Implement logging, monitoring, alerting, and observability capabilities to support operational excellence. • Troubleshoot and resolve software defects, production issues, and system incidents. • Support deployment automation, release management, and operational support activities. • Contribute to system reliability, maintainability, and continuous service improvement initiatives. All About You • Proficient experience developing backend software applications with JAVA/ J2EE in Spring Boot frameworks for building and consuming RESTful APIs and event-driven architectures. • Knowledge of Microservice architecture • Proficient knowledge and experience working with SQL and Relational Data Concepts • Experience designing and building scalable software applications and distributed systems. • Proficient knowledge of software design principles, object-oriented programming, and software architecture patterns. • Experience with source control systems, code review processes, and modern development practices. • Experience applying data structures, algorithms, and computational problem-solving techniques to develop efficient, scalable software solutions. • Experience implementing automated testing and CI/CD practices. • Experience developing cloud-native applications and services. • Experience working with containerization and orchestration technologies. • Familiarity with monitoring, observability, and application performance management tools. • Proficiency working with AI-enabled applications, automation solutions, or intelligent services within enterprise software environments. • Experience utilizing AI-assisted development tools such as GitHub Copilot or similar engineering productivity solutions. • Proficient analytical, troubleshooting, and problem-solving skills. • Excellent collaboration and communication skills. • Bachelor's or master's degree in computer science, Software Engineering, or a related technical field, preferred. 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 12/01/2026. Pay Ranges O'Fallon, Missouri: $92,000 - $147,000 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 is a global technology company in the payments industry, focused on powering an inclusive, digital economy that makes transactions safe, simple, smart, and accessible. Using secure data and networks, our innovations enable individuals, financial institutions, governments, and businesses worldwide to realize their greatest potential. Role Within Mastercard’s Builders Enablement Program (ONE Division), we are building a standardized, secure, cloud first software delivery ecosystem and delivering a world class developer experience. We are seeking a Senior Software Engineer to design, build, and enhance software applications and developer-facing experiences that empower engineers across Mastercard's software delivery ecosystem. This role requires deep expertise in software architecture, application development, user experience, and distributed systems, combined with full lifecycle ownership from design through production operations. About the Role Software Development • Design, develop, test, and support scalable cloud-native applications and services • Build and maintain backend solutions using Java and Spring Boot • Develop and enhance modern user interfaces using React and TypeScript • Design and implement REST APIs and service integrations across the Developer Experience ecosystem • Build integrations with developer tools including Jenkins, GitHub, Bitbucket, SonarQube, Workday, and related engineering platforms • Contribute to internal developer portals using Backstage or similar frameworks • Help improve engineering productivity through automation, self-service capabilities, and platform standardization Software Development Excellence • Own delivery of robust, secure, and high-performance software across backend platforms and frontend applications (React, TypeScript) • Drive engineering excellence in coding standards, modular design, and maintainability • Design and develop software solutions that improve developer productivity and streamline software delivery workflows using Backstage or similar frameworks and extensible plugin-based architectures. • Build modern, data-driven user experiences that transform engineering and operational data into actionable insights for software development teams. Testing Strategy & Quality Engineering • Define and implement comprehensive testing strategies, including: • Unit testing • Integration testing • Functional/end-to-end testing • Embed automated testing within CI/CD pipelines to enforce quality gates and prevent regressions • Ensure systems meet correctness, reliability, and backward compatibility requirements at scale Performance Engineering • Lead performance engineering initiatives, including system benchmarking, load testing, and capacity planning • Analyze application and service performance, optimize system responsiveness, and improve scalability across highly distributed software systems. • Ensure applications meet strict performance SLAs in high-volume, mission-critical environments Secure Coding & Compliance • Enforce secure coding practices and integrate security into every phase of the SDLC • Design systems that meet enterprise security, regulatory, and compliance requirements • Partner with security teams to proactively identify and remediate vulnerabilities Troubleshooting & Incident Management • Serve as a senior technical leader for complex software production issues, leveraging deep troubleshooting expertise across distributed applications, APIs, integrations, and user-facing systems. • Lead root cause analysis, incident resolution, and postmortem activities • Drive systemic improvements to prevent recurring issues and improve system reliability Code Review & Technical Leadership • Lead rigorous code reviews, ensuring adherence to best practices in design, performance, security, and maintainability • Mentor engineers and elevate team capability in software design, testing, debugging, and operational excellence • Provide hands-on guidance in solving high-complexity technical problems across system layers Collaboration & Ownership • Partner with product, platform, and business stakeholders to shape technical roadmaps and delivery priorities • Own and deliver cross-functional software engineering initiatives spanning frontend applications, backend services, APIs, integrations, and cloud-native architectures. • Contribute to the Software Engineering Guild by sharing reusable frameworks, patterns, and innovations All About You We are looking for someone who: • Demonstrates proficient knowledge, skills, and experience across software development, system design, and architecture • Advanced foundation in data structures, algorithms, and distributed systems • Is equally comfortable working across backend platforms and frontend applications • Maintains a quality-first mindset, emphasizing testing, security, and performance • Excels at troubleshooting complex systems and driving resolution under pressure • Proactively improves software quality, reliability, performance, and developer experience through thoughtful design and engineering best practices. • Influences technical direction and mentors' engineers across teams Qualifications: • Demonstrated experience designing and developing scalable software systems using object-oriented design principles, modern software architecture patterns, and cloud-native development practices. • Proficient experience in software development and system design, with demonstrated ownership of large-scale distributed systems • Proficient expertise in: • Software Design & Software Architecture • Unit, Integration, and Functional Testing frameworks and strategies • Operability engineering (observability, monitoring, reliability) • Advanced hands-on experience with: • Performance Engineering and system optimization • Secure coding practices and application security principles • Code reviews and engineering quality standards • Data Structures & Algorithms • Troubleshooting complex distributed systems • Advanced proficiency in modern programming languages (e.g., Java, C#) and frontend development using React and/or TypeScript • Experience designing extensible software architectures and integrating developer tools through APIs, plugins, and event-driven patterns. • Experience with plugin-based architectures and integrating DevOps tools • Proven ability to build data-driven user interfaces • Hands-on experience developing and deploying cloud-native software using AWS, Kubernetes, containerized architectures, and modern engineering practices. • Proficient experience with CI/CD pipelines and Infrastructure as Code (Terraform, CloudFormation) • Experience with observability platforms (e.g., Splunk or equivalent) • Excellent communication and technical leadership skills • Bachelor’s or Master’s degree in Computer Science, Engineering, or related field preferred 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 12/10/2026. 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 At Mastercard Commercial Solutions, we empower businesses to succeed through innovative, trusted payment solutions that deliver seamless, digital-first experiences around the world. We are building a global business-to-business (B2B) technology platform that helps businesses of all sizes streamline how they manage payments when buying or selling products and services. The Mastercard Commercial Solutions team is looking for a Senior Software Engineer to advance our customer experience strategy through innovation and problem-solving. The ideal candidate is passionate about the customer journey and is highly motivated, intellectually curious, and analytical. Role You will work at our Mastercard technology location in O’Fallon, which provides a collaborative, state-of-the-art environment where technology teams can thrive within our Agile engineering culture. You will play a key role in transforming the B2B space by helping standardize, automate, and optimize digital payment efficiency for buyers and sellers. • Own software delivery activities at the application or software-component level, including design, development, testing, deployment, support, documentation, and configuration. • Develop full-stack solutions, including front-end applications, REST APIs, and backend services. • Translate business and technical requirements into scalable, secure, and maintainable software designs, defining appropriate components and system interactions. • Participate in Scrum ceremonies and contribute to continuous improvement using Agile methodologies. • Drive code, design, and process trade-off discussions within the team. • Promote the adoption of engineering principles, technology standards, and best practices. • Review code, testing, and automation produced by team members to ensure quality, security, standards compliance, and maintainability. • Develop a strong understanding of end-to-end technical architecture and system dependencies. • Evaluate application architecture and design decisions with consideration for scalability, performance, reliability, and long-term maintainability. • Mentor and guide new and less-experienced team members. • Develop and maintain unit, integration, functional, and regression tests. • Analyze and optimize application performance through testing, measurement, troubleshooting, and tuning. • Design and maintain applications for operational readiness by incorporating reliability, observability, monitoring, and effective production-support practices. • Troubleshoot production incidents and implement corrective and preventive actions. • Share and seek knowledge within the Guild and program to promote the reuse of patterns, libraries, and engineering practices. All About You Required Experience • Experience developing secure full-stack applications using backend and front-end technologies such as Java, JavaScript, Angular, and SQL. • Strong knowledge of Spring, Spring Data JPA, REST APIs, Kafka, and related frameworks. • Experience designing, implementing, and maintaining unit, service, integration, functional, and regression tests using tools such as JUnit, Mockito, and Jasmine. • Knowledge of application and design patterns used to implement APIs, event-driven services, batch services, and user-interface applications. • Strong understanding of data structures and their application in building efficient, reliable, and maintainable software. • Experience applying secure coding standards and vulnerability-management practices throughout the software development lifecycle. • Experience implementing API standards and cataloging practices to support service adoption, reuse, and commercialization. • Experience using tools such as Sonar, CxOne, Checkmarx, Black Duck, and Zally to evaluate code quality, security vulnerabilities, and anti-patterns. • Experience orchestrating release workflows and implementing standardized continuous integration and continuous delivery pipelines using tools such as Jenkins and XL Release. • Experience evaluating and improving application performance, scalability, and reliability using appropriate testing and tuning techniques. • Strong problem-solving and creative troubleshooting skills, with the ability to diagnose and resolve issues across applications and integrated systems. • Strong organizational skills and the ability to manage multiple priorities within business timelines. • Self-motivated and proactive, with a commitment to continuous improvement and delivering results. • Ability to thrive in a fast-paced, rapidly changing, and customer-focused environment. • Ability to promote full-stack engineering practices and end-to-end service ownership across teams. • Strong written and verbal communication skills. • Bachelor’s degree in Computer Science, Software Engineering, or a related field. • Eight or more years of relevant software engineering or information technology experience. Desirable Skills • Experience with monitoring and observability tools such as Splunk or Dynatrace. 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 12/27/2026. 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 Who is Mastercard? We work to connect and power an inclusive, digital economy that benefits everyone, everywhere, by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships, and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. We cultivate a culture of inclusion for all employees that respect their individual strengths, views, and experiences. We believe that our differences enable us to be a better team – one that makes better decisions, drives innovation, and delivers better business results About the Role Senior Software Engineers at Mastercard design and code artificial intelligence, cloud, and machine learning platforms that provide mission-critical insights to many of the world’s leading organizations and governments. As a Senior Software Engineer, you will deliver these products and solutions with speed and agility as part of a small team. This will involve developing high-performing, highly scalable software solutions and products for some of the world’s top brands. Specific tasks vary depending on the project and the business unit that you join in. Role As a Senior Software Engineer, you will: Software Engineering & Development • Design, build, test, deploy, and maintain software components, automation frameworks, and validation tools • Apply strong knowledge of data structures, algorithms, and efficient coding practices in building scalable solutions • Contribute to end-to-end software development lifecycle, including design, development, testing, deployment, and monitoring Architecture & Design • Participate in defining software architecture and design patterns to ensure scalability, reliability, and maintainability • Ensure systems are designed for testability, observability, performance, and operational readiness • Provide input into microservices and cloud migration strategies Quality Engineering & Testing • Develop and implement test automation frameworks and CI/CD integration pipelines (e.g., Jenkins, XLR) • Design comprehensive test strategies and plans, including performance, reliability, and production simulation testing • Ensure high code quality and coverage using tools such as Sonar or Clover Security & Compliance • Apply and promote secure coding practices, including code analysis, vulnerability detection, and mitigation strategies • Integrate security testing into CI/CD pipelines Code Quality & Reviews • Conduct and lead code reviews, ensuring adherence to coding standards, security practices, and maintainability • Act as a technical reviewer for system designs, test strategies, and implementation approaches Operability & Performance • Ensure systems are observable, monitorable, and resilient across environments • Perform performance engineering, including load testing, tuning, and bottleneck analysis • Troubleshoot complex production issues and ensure rapid resolution Collaboration & Leadership • Partner with developers, architects, and product teams to drive engineering best practices • Mentor junior engineers and contribute to knowledge sharing across teams • Evaluate and recommend tools, technologies, and frameworks for continuous improvement All About You • Demonstrated experience developing microservices with JAVA and Spring Boot, required • Proven skills working with relational SQL database, preferably PostgreSQL and Oracle SQL • Advanced understanding of cloud native architecture, PCF, and AWS • Clear proficiency with engineering principles used in building and running mission critical software capabilities (security, scalability, resiliency, customer experience, testing, operability, simplification) • Apply tools (e.g., Sonar, Zally, Checkmarx) and techniques to scan and measure code quality and anti-patterns as part of development activity • Ability to perform domain-driven design to architect and map software solutions to business contexts • Proficient in orchestrating release workflows and pipelines, and apply standardized pipelines via APIs to achieve CI and CD using industry standard tools (e.g., Jenkins, AWS, XL Release, others); • Ability to configure rules and build automation for code with vulnerability scanning and software composition analysis using standard tools (e.g., Sonar, JFrog, XRay, Veracode, others) • Manage builds and artifacts leveraging standard tools (e.g., Artifactory) to ensure error-free deployment of production code using canary and/or blue-green techniques • Ability to work on relational data concepts, preferably with PostgreSQL databases. • Strong analytical and problem-solving skills, with the ability to debug issues and identify practical solutions. • Strong verbal and written communication skills and the ability to work effectively in a collaborative team environment. • Strong hands-on experience in software engineering, including development and quality engineering • Proven experience working with: • Testing across platforms: Linux and web applications • Automation development and CI/CD integration and deployment (Jenkins / XLR/ GitHub Actions) and code coverage tools (Sonar, Clover) to ensure high code/ conditional coverage • Unit, functional, and integration testing • Performance testing and engineering • Strong knowledge and understanding of: • Software design principles (OOP, modularity, design patterns) • Software architecture concepts (microservices, distributed systems, scalability) • Data structures and algorithms • Experience with secure coding practices and application security principles (e.g., OWASP) • Ability to contribute to system design and architecture decisions; understanding use cases for advanced design patterns (e.g., service-to-worker, MVC, API Gateway, Intercepting Filter, Dependency Injection, Lazy Loading, all from the gang of four) to implement efficient code Preferred Qualifications • Experience in cloud and microservices architecture or mainframe modernization • Experience designing systems for reliability, performance, and scalability • Domain knowledge in payments and transaction processing systems • Bachelor’s or master's degree in computer science or equivalent experience is preferred 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 12/17/2026. 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 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 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

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 Next Edge represents the next phase of Mastercard's Core Payments technology transformation and plays a key role in advancing our cloud-first strategy. This organization is focused on modernizing payment platforms, creating scalable engineering solutions, and delivering the tools and services that enable teams to build, test, and deploy software more efficiently. As a Senior Software Engineer, you will contribute to the design and development of internal platforms, backend services, and engineering tools that improve developer productivity and accelerate delivery across Mastercard's payment ecosystem. Working closely with engineers, product managers, designers, and technical leads, you will help build reliable, scalable solutions while driving continuous improvements in software quality, performance, and maintainability. This role is ideal for an engineer who enjoys solving complex technical challenges, building modern distributed systems, and working with evolving technologies that support innovation at enterprise scale. Role -Design, develop, and support internal platforms, microservices, and engineering tools that improve productivity and accelerate software delivery. -Partner with technical leads and team members to scope, design, and implement complex features from concept through production deployment. -Build high-quality, maintainable code and automated tests that contribute to reliable and efficient software delivery. -Develop backend services and supporting tools using technologies such as Golang, Java, and gRPC. -Contribute to software architecture and design decisions that improve scalability, resiliency, maintainability, and operational readiness. -Collaborate with Product Managers and Customer Experience Designers to understand user needs and translate requirements into technical solutions. -Review code, share feedback, and promote engineering practices that enhance quality, readability, security, and long-term maintainability. -Analyze system behavior, troubleshoot complex issues, identify root causes, and implement sustainable solutions. -Improve application performance, reliability, and observability across services and platforms. -Contribute to automation initiatives, development workflows, and engineering practices that increase team effectiveness and delivery speed. -Support and guide less experienced engineers through knowledge sharing, technical discussions, and collaborative problem solving. -Stay current with emerging technologies and evaluate opportunities to apply them where they create measurable value. All About You -Strong proficiency in Golang, Java, or comparable object-oriented programming languages. -Ability to design and implement complex features within large-scale applications and distributed systems. -Familiarity with microservices architecture, service-to-service communication patterns, and API development. -Understanding of software design principles and architectural patterns that support scalable, resilient applications. -Capability to write clean, maintainable code while balancing performance, reliability, and long-term sustainability. -Proven success contributing to large engineering initiatives involving multiple teams and stakeholders. -Strong foundation in data structures, algorithms, and problem-solving techniques. -Ability to evaluate and optimize application performance in high-volume, transaction-oriented environments. -Commitment to automated testing, code quality, and continuous improvement throughout the software development lifecycle. -Familiarity with secure coding practices and modern software engineering standards. -Strong troubleshooting skills with the ability to diagnose and resolve issues across complex systems. -Comfortable working within Agile environments and collaborating with -geographically distributed teams. -Customer-focused mindset with an appreciation for how technical decisions influence user outcomes. -Curiosity and willingness to learn new technologies, frameworks, and development approaches. -Effective communication skills with the ability to collaborate across engineering, product, and design teams. -Degree in Computer Science, Engineering, or a related technical discipline, or equivalent practical background. -AI-first mindset with the ability to leverage tools such as GitHub Copilot, Claude Code, ChatGPT, and similar technologies to improve productivity, code quality, and delivery outcomes. 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 12/08/2026. Pay Ranges O'Fallon, Missouri: $115,000 - $184,000 USD