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 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. About the Role The Mastercard Treasury Services Program owns the settlement platform for all Mastercard’s transactions. The primary purpose of this role will be to lead a team of software engineers to deliver the next generation of this settlement platform. Role Software Design & Architecture • Lead end-to-end software design and architecture, translating business and system requirements into scalable, reliable, and maintainable solutions • Define high- and low-level design artifacts, including APIs, data models, system interactions, and component boundaries • Establish and enforce architecture standards, design patterns, and engineering best practices across teams • Apply deep knowledge of data structures, algorithms, and distributed system design to solve complex performance and scalability challenges Software Development Excellence • Own delivery of robust, secure, and high-performance software across backend platforms • Drive engineering excellence in coding standards, modular design, and maintainability • Build and enhance internal developer platforms using Backstage or similar frameworks, leveraging plugin-based architectures • Develop data-driven user interfaces that surface observability and operational insights 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 system bottlenecks and optimize latency, throughput, and resource utilization across distributed architectures • 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 escalation point for complex production issues across distributed systems and user-facing platforms • 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 initiatives spanning frontend, backend, and platform engineering • Contribute to the Software Engineering Guild by sharing reusable frameworks, patterns, and innovations All About You We are looking for someone who: • Demonstrates deep expertise across software development, system design, and architecture • Brings a strong foundation in data structures, algorithms, and distributed systems • Leads with a quality-first mindset, emphasizing testing, security, and performance • Excels at troubleshooting complex systems and driving resolution under pressure • Proactively improves operability, reliability, and developer experience • Influences technical direction and mentors' engineers across teams Technologies • Java, microservices, RESTful APIs • Frameworks: Spring (Spring Boot, Spring Data, Spring Batch, Spring REST, Spring Cloud, AOP), Hibernate • API design and tooling best practices • Cloud and DevOps: Kubernetes, Docker, Pivotal Cloud Foundry • Databases: Oracle, PostgreSQL, Redis • Tools: IntelliJ/Eclipse, Sonar, Git, Maven, Jenkins, CI/CD, Gatling, GitHub Copilot, Claude Code Qualifications • Proven ability to coach teams on full-stack development and end-to-end service ownership • Strong communicator with the ability to clearly articulate complex architecture decisions to technical and business stakeholders • Skilled in driving trade-off discussions across competing priorities (security, regulatory, technical debt, etc.,) • Experience leading advanced operational and failure testing practices such as chaos engineering • Experience with Agile and modern SDLC practices: Scrum, Kanban, CI/CD, DevOps, and Quality Engineering • Ability to operate under pressure while managing complex initiatives and competing priorities • Adaptability in fast-changing environments with evolving technologies • Strong hands-on experience designing solutions and full-stack development in modern technologies for large-scale enterprise systems • Advanced experience building microservices in JAVA with the Spring Boot framework • Working knowledge of application security principles: encryption/ decryption, PKI, Hashing, JWT, OAuth, OIDC, zero trust • Proven experience working with Oracle/SQL Databases • Extensive experience in software development and system design, data structures, algorithms, and a demonstrated ownership to maintain and troubleshoot complex large-scale distributed systems • Experience in technical design activities to ensure alignment with Non-Functional Requirements, Solution Architecture and System Functional Design specifications • Strong hands-on experience with: • Unit, Integration, and Functional Testing frameworks and strategies • Performance Engineering and system optimization • Secure coding practices and application security principles • Code reviews and engineering quality standards • Operability engineering (observability, monitoring, reliability) • Hands-on experience with AWS (Azure a plus), Kubernetes, and cloud-native technologies • Strong experience with CI/CD pipelines and Infrastructure as Code (Terraform, CloudFormation) • Experience with observability platforms (e.g., Splunk or equivalent) • Bachelor’s or Master’s degree in Computer Science, Engineering, or related field preferred • Knowledge and experience working within the security/ access domain 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 12/27/2026. Pay Ranges O'Fallon, Missouri: $140,000 - $231,000 USD