Senior Software Engineer - Java Full Stack & AI

The Senior Software Engineer role on Mastercard’s Decision Services Technology team focuses on delivering complex full-stack systems and advancing AI-powered capabilities for transaction analysis, fraud pattern identification, and business decision support. This position emphasizes technical ownership, design influence, and mentoring with limited guidance.

Team and Role Overview

The Decision Services Technology team within Mastercard’s Business & Market Insights organization builds analytics, reporting, and intelligence solutions that help customers investigate transactions, identify fraud patterns, and make informed business decisions.

What You’ll Do - Software Development

• Design, develop, test, deploy, and support complex software solutions.
• Build scalable APIs, backend services, and modern web applications.
• Use 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.

What You’ll Do - Design & Architecture

• Contribute to architecture decisions and participate in 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.

What You’ll Do - Quality & Operational Excellence

• Champion testing practices, secure coding, and code quality standards.
• Conduct code reviews and mentor engineers through technical feedback.
• Lead troubleshooting activities and root-cause analysis for complex issues.
• Improve observability, automation, performance, and operational readiness.
• Drive continuous improvement across the engineering lifecycle.

What You’ll Do - 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.

Core Responsibilities

• Contribute to architecture decisions and system design discussions.
• Influence technical direction and engineering best practices.
• Support integration of AI and machine learning capabilities into business products.
• Drive technical solutions from requirements through deployment.
• Lead implementation efforts for AI-enabled capabilities and automation initiatives.
• Lead troubleshooting efforts and root-cause analysis for complex issues.
• Improve observability, automation, performance, and operational readiness.
• Provide technical mentorship and conduct code reviews.
• Support engineering planning, estimation, and delivery leadership in Agile.

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.

Technologies

• Java, Spring Boot, React, Angular
• Python, REST APIs, microservices
• Oracle, SQL-based databases
• CI/CD, GitHub Copilot
• AWS, Azure, GCP
• Docker, Kubernetes
• Databricks, Spark, Delta Lake

Success Measures

• 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.

Corporate Security Responsibility

• 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.
• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.

Location and Pay Range

Location: O'Fallon, MO (onsite)

Pay range (O'Fallon, Missouri): USD 115,000 - 184,000 per year

Benefits

• Competitive base salary
• Annual bonus or commissions (depending on the role)
• Insurance including medical, prescription drug, dental, vision, disability, and 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

• Intern benefits: 56 hours of Paid Sick and Safe Time
• Intern benefits: jury duty leave
• Intern benefits: on-site fitness facilities in some locations