Software Engineer II - 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
Software Engineer II - 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 Software Engineer II, you will design, build, test, deploy, and support software solutions while contributing to new product capabilities and ongoing platform enhancements. This role requires strong technical fundamentals, independent execution, and a passion for continuous learning.
What You'll Do
Software Development• Design, develop, test, deploy, and support full-stack applications and services.• Translate business and technical requirements into scalable, maintainable solutions.• Build REST APIs, backend services, and responsive web applications.• Utilize Java, Spring Boot, frontend frameworks, and Python where appropriate.• Apply data structures and programming techniques to solve technical challenges.• Contribute to AI-enabled capabilities and automation initiatives that improve customer outcomes.
Design & Architecture• Participate in technical design discussions and architectural reviews.• Apply established design patterns, engineering standards, and development best practices.• Support cloud-native, distributed, and microservices-based applications.• Assist with integrating AI and machine learning capabilities into business solutions.
Quality & Secure Engineering• Develop and maintain unit, functional, and integration tests.• Apply secure coding practices throughout the software development lifecycle.• Participate in code reviews to improve software quality and maintainability.• Support system, integration, and user acceptance testing activities.• Identify, troubleshoot, and resolve defects.
Performance & Operational Excellence• Analyze and improve application performance, reliability, and efficiency.• Support production incidents, root-cause analysis, and issue resolution.• Contribute to observability, monitoring, CI/CD automation, and operational readiness.• Continuously improve supportability and operational stability.
Collaboration• Partner with Product Owners, Engineering, Architecture, and cross-functional stakeholders to deliver business value.• Participate in Agile planning, estimation, and delivery activities.• Work effectively within globally distributed teams.• Demonstrate initiative, accountability, and a continuous learning mindset.• Remain current on emerging technologies and industry trends.
Required Qualifications• Bachelor's degree in Computer Science, Engineering, Information Technology, or a related field, or equivalent practical experience.• 3-6 years developing and supporting enterprise software solutions.• Proficiency in Java 8+ and Spring Framework, including Spring Boot.• Demonstrated success building REST APIs and microservices-based solutions.• Working knowledge of React, Angular, or comparable frontend frameworks.• Knowledge of Python for automation, data processing, or AI-related use cases.• Strong understanding of software design principles, object-oriented programming, and distributed systems.• Ability to create and execute unit, functional, and integration tests.• Understanding of secure coding standards and code review practices.• Strong troubleshooting, analytical, and problem-solving capabilities.• Proficiency in Oracle, SQL Server, or similar relational database technologies, including advanced SQL development.• Familiarity with CI/CD pipelines and tools such as Jenkins, Maven, Gradle, SonarQube, or similar technologies.• Exposure to AI-assisted development tools such as GitHub Copilot.• Understanding of cloud-native architectures and microservices patterns.• Knowledge of Agile software delivery methodologies.• Ability to independently execute assigned work following onboarding and knowledge transfer.
Preferred Qualifications• Familiarity with AWS, Azure, or GCP.• Knowledge of Docker and Kubernetes.• Ability to integrate AI/ML models, services, or APIs into business applications.• Hands-on use of Python for automation, AI, or machine learning initiatives.• Understanding of observability and monitoring platforms.• Familiarity with IntelliJ IDEA, Visual Studio Code, Eclipse, STS, or similar development environments.• Exposure to analytics, reporting, business intelligence, or data-driven products.• AI model development capabilities.
Success Measures (First 12 Months)
A successful Software Engineer II will:• Deliver software features from design through production deployment.• Contribute to AI-powered capabilities that improve efficiency and customer outcomes.• Build secure, reliable, and maintainable solutions with low defect rates.• Apply strong engineering fundamentals across development, testing, troubleshooting, and operational support.• Improve application performance, stability, and operational readiness.• Collaborate effectively across product and engineering teams.• Demonstrate growing ownership of assigned services, features, or application components.• Expand technical expertise across full-stack, cloud, data, and AI technologies.
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: $92,000 - $147,000 USD