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Mastercard Jobs (NOW HIRING)

Software Engineer II - Mastercard

O Fallon, MO · On-site

$91K - $124K/yr

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 ...

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Mastercard information

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$49.5K

$92.2K

$133K

How much do mastercard jobs pay per year?

As of Jul 7, 2026, the average yearly pay for mastercard in the United States is $92,249.00, according to ZipRecruiter salary data. Most workers in this role earn between $55,000.00 and $129,500.00 per year, depending on experience, location, and employer.

Does Mastercard have work from home?

Mastercard offers some remote work opportunities for certain roles, especially in technology, customer service, and administrative positions. Availability of work-from-home options depends on the specific job, team, and company policies, which may evolve over time. Candidates should review individual job postings for remote work options and requirements.

What is it like to collaborate across global teams at Mastercard?

At Mastercard, employees frequently work with colleagues from diverse regions and departments, reflecting the company's global reach. Collaboration often happens both virtually and in-person, requiring flexibility and strong communication skills to coordinate across time zones and cultures. Team members are encouraged to share ideas, leverage each other's expertise, and participate in cross-functional projects, which fosters professional development and innovation. This global teamwork not only enhances problem-solving but also offers employees opportunities to broaden their perspectives and career networks.

What are entry level jobs at Mastercard?

Entry-level jobs at Mastercard include roles such as associate analyst, customer service representative, and operations coordinator. These positions typically require basic skills in communication, problem-solving, and familiarity with Microsoft Office, and often offer on-the-job training for new employees.

Is it hard to get a job at Mastercard?

Getting a job at Mastercard can be competitive, as the company seeks candidates with relevant skills, experience, and sometimes certifications in finance or technology. The hiring process typically involves multiple interviews and assessments, and strong qualifications can improve your chances.

What does Mastercard do as a company?

Mastercard is a global technology company in the payments industry. It connects consumers, financial institutions, merchants, governments, and businesses worldwide by enabling electronic payments. Mastercard develops and processes payment solutions such as credit cards, debit cards, and prepaid cards, facilitating secure and efficient transactions. The company also provides data analytics, fraud prevention, and consulting services to its clients.

What are the key skills and qualifications needed to thrive as a Mastercard employee, and why are they important?

To thrive as a Mastercard employee, you typically need expertise relevant to your role—such as finance, technology, data analysis, or business management—supported by a relevant degree or professional certification. Familiarity with payment processing systems, digital security tools, and industry-standard platforms like SQL, Python, or Salesforce is often required. Strong teamwork, problem-solving, and effective communication skills help individuals excel in Mastercard's collaborative and innovative environment. These capabilities are vital for driving secure, efficient solutions and maintaining Mastercard’s leadership in the global payments industry.

Does Mastercard offer remote jobs?

Mastercard offers remote job opportunities across various roles, including technology, customer service, and corporate functions. Many positions are flexible and can be performed remotely, often requiring proficiency with digital collaboration tools and relevant skills. Availability of remote work depends on the specific role and department.

What is the difference between Mastercard vs Payment Processor?

AspectMastercardPayment Processor
RoleIssuer and network provider for credit/debit cardsFacilitates electronic transactions between merchants and banks
CredentialsBanking licenses, network certificationsPayment processing certifications, PCI compliance
Work EnvironmentGlobal financial services, card networksFinancial technology companies, banks, merchant services
Industry UsageCard issuing, network operationsTransaction processing, settlement services

Mastercard functions as a card network and issuer, providing the infrastructure for card payments. Payment processors handle the transaction flow between merchants and banks. While Mastercard manages the network and branding, payment processors enable the actual transaction processing. Both are essential in electronic payments but serve different roles within the payment ecosystem.

More about Mastercard jobs
What cities are hiring for Mastercard jobs? Cities with the most Mastercard job openings:
What states have the most Mastercard jobs? States with the most job openings for Mastercard jobs include:
Infographic showing various Mastercard job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 71% In-person, and 29% Remote job distribution, with an average salary of $92,249 per year, or $44.4 per hour.
Lead Software Engineer - Mastercard

Lead Software Engineer - Mastercard

Mastercard

O Fallon, MO • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 4 days ago


Job description

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
Be part of the Artificial Intelligence & Decision Processing Engineering team developing new capabilities for MasterCard‘s Decision Management Platform, which serves as the core for multiple business solutions to combat fraud and validate cardholder identity. Our patented Java-based platform processes billions of transactions per month in tens of milliseconds using a multi-tiered, message-oriented approach for high performance and availability.
• Would you like to develop industry leading solutions for fighting fraud?
• Are you motivated by speeding business solutions to market?
• Do you want to innovate, using cutting edge technologies on challenging business problems?
Role
• Successfully lead major projects and complex assignments with broad scope and long-term business implications.
• Work closely with other technical leads on assigned projects to assist in design and implementation tasks.
• Assist with production support issues by acting as a subject matter expert in resolving incidents and problem tickets.
• Plan, design and develop technical solutions and alternatives to meet business requirements in adherence with MasterCard standards, processes, and best practices.
• Participate in PoCs (Proof of Concept) and help the Department with selection of Vendor Solutions, Technologies, Methodologies and Frameworks.
• Design and build technical roadmaps to optimize services and functions with a focus on performance and cost/benefit optimization
• Conduct brownbag sessions on new and upcoming technologies, methodologies, and application appropriate frameworks.
• Actively look for opportunities to enhance standards and improve process efficiency.
• Be an integral part of the Agile SAFe discover and elaboration sessions. Perform requirements and design reviews, peer code reviews and PCI security reviews to ensure compliance with MasterCard standards.
• Have strong ownership of your team’s software and are deep in the maintenance characteristics, runtime properties and dependencies including hardware, operating system, and build.
• Communicate, collaborate, and work effectively in a global environment. Public speaking as a technology evangelist for Mastercard.
All About You
• Must be high-energy, detail-oriented, proactive and can function under pressure in an independent environment.
• Must provide the necessary skills to have a high degree of initiative and self-motivation to drive results.
• Possesses strong communication skills -- both verbal and written – and strong relationship, collaborative skills, and organizational skills.
• Willingness and ability to learn and take on challenging opportunities and to work as a member of matrix based diverse and geographically distributed project team.
• Knowledge of software development processes including agile processes and test-driven development
• Experience with the design and development of complex, multi-tier cloud native architectures.
• Degree in Computer Science or related field
Essential Skills required:
• Technical experience using Java/J2EE
• Spring Framework (including Spring Boot)
• Distributed Computing at scale
• Cloud technologies like cloud foundry, Kubernetes
• Strong Linux and shell scripting
• Oracle & PL/SQL and advanced SQL scripting
• IDE such as JBoss Developer Studio/IntelliJ
Desirable Skills:
• Experience working in at-scale distributed compute such as Gemfire, Apache Spark, Distributed Redis, Hazelcast, GridGain or similar
• Messaging – MQ and JMS
• Experience integrating vendor and open-source products into an overall system 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.

Pay Ranges

O‘Fallon, Missouri: $140,000 - $231,000 USD