Senior Software Engineer - Java Full Stack & AI

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 - Java Full Stack & AI
Overview
The Decision Services Technology team within Mastercard's Business & Market Insights organization develops analytics, reporting, and intelligence solutions that help customers investigate transactions, identify fraud patterns, and make informed business decisions.
As part of a rapidly growing product area, the team is investing heavily in AI-powered capabilities that automate manual analysis and improve customer outcomes. Supporting a product with significant growth and a multi-year roadmap, engineers on this team play a key role in developing, enhancing, and scaling innovative solutions across full-stack, cloud, data, and AI technologies.
As a Senior Software Engineer, you will independently deliver complex solutions, influence technical design decisions, and help drive engineering excellence across the platform. This role requires deep technical expertise, strong ownership, and the ability to mentor other engineers while operating with minimal guidance.
What You'll Do
Software Development• Design, develop, test, deploy, and support complex software solutions.• Build scalable APIs, backend services, and modern web applications.• Utilize Java, Spring Boot, React or Angular, and Python across the technology stack.• Lead implementation efforts for AI-enabled capabilities and automation initiatives.• Drive technical solutions from requirements through deployment.
Design & Architecture• Contribute to architecture decisions and system design discussions.• Apply architectural patterns that support scalability, reliability, and maintainability.• Guide technical implementation across distributed and cloud-based systems.• Support integration of AI and machine learning capabilities into business products.
Quality & Operational Excellence• Champion testing, secure coding, and code quality standards.• Conduct code reviews and mentor engineers through technical feedback.• Lead troubleshooting efforts and root-cause analysis for complex issues.• Improve observability, automation, performance, and operational readiness.• Drive continuous improvement initiatives across the engineering lifecycle.
Collaboration & Leadership• Partner closely with Product, Architecture, and Engineering leadership.• Serve as a technical mentor for less experienced engineers.• Influence technical direction and engineering best practices.• Contribute to Agile planning, estimation, and delivery leadership.
Required Qualifications• Bachelor's degree in Computer Science, Engineering, Information Technology, or a related field, or equivalent experience.• 6+ years developing enterprise software solutions.• Advanced proficiency in Java 8+ and Spring Boot.• Deep understanding of REST APIs, microservices, and distributed systems.• Strong knowledge of React, Angular, or comparable frontend frameworks.• Expertise in Oracle or SQL-based database development.• Familiarity with CI/CD practices and modern engineering workflows.• Knowledge of Python for AI, automation, and data-driven applications.• Exposure to GitHub Copilot or similar AI-assisted development tools.• Strong troubleshooting, debugging, and analytical capabilities.• Ability to independently deliver complex technical solutions with minimal oversight.
Preferred Qualifications• Experience with AWS, Azure, or GCP.• Knowledge of Docker, Kubernetes, and cloud-native architectures.• Exposure to Databricks, Spark, Delta Lake, or similar technologies.• Experience integrating AI/ML services, APIs, or models into enterprise platforms.• Experience mentoring engineers and leading technical initiatives.• Background in payments, fraud, analytics, or data-driven business solutions.
Success Measures
A successful Senior Software Engineer will:• Independently deliver complex features and technical initiatives.• Demonstrate ownership of key systems, services, or technical domains.• Mentor team members and elevate engineering quality.• Contribute to AI-powered product innovation and platform growth.• Improve scalability, reliability, performance, and operational excellence.• Influence engineering standards and technical direction across the team.
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 [email protected] 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 01/11/2027. If the fill date has passed, Mastercard intends to fill this position as soon as possible.
Pay Ranges
O'Fallon, Missouri: $115,000 - $184,000 USD