Design, develop, deploy, and operate highly scalable, low-latency distributed authentication services. Build APIs, decisioning systems, and real-time transaction components while driving architecture, cloud modernization, observability, CI/CD, security, and operational reliability. Collaborate with Product, Data Science, SRE, and engineering teams to improve fraud detection and authentication performance. Troubleshoot production issues, contribute to technical planning, mentor engineers, and promote software engineering best practices.
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
Overview
The Decision Management Platform (DMP) Authentication Decisioning team enables one of Mastercard's first lines of defence against fraud by processing authentication requests in real time and transforming them into actionable intelligence. The platform powers products including Identity Check, Smart Authentication, AAV Validation, Token Provisioning Insights, and other authentication decisioning capabilities.
As a Senior Software Engineer, you will play a key role in designing, building, and operating highly scalable, low-latency distributed systems that process authentication transactions at global scale. You will partner closely with Product Management, Architecture, Data Science, SRE, and other engineering teams to deliver innovative capabilities that improve authentication performance, fraud detection, customer experience, and operational resiliency.
This role is ideal for an engineer who enjoys solving complex technical challenges, influencing technical direction, mentoring others, and delivering software that operates at enterprise scale.
Role
As a Senior Software Engineer, you will:
Design, develop, test, and deploy highly available distributed services supporting Mastercard authentication products.
Own delivery of features from technical design through production rollout and operational support.
Participate in team prioritisation and technical planning discussions with Product and Engineering leadership.
Drive solution design and architecture discussions, balancing scalability, resiliency, maintainability, and performance requirements.
Develop APIs, real-time transaction processing components, decisioning services, and platform capabilities supporting authentication flows.
Contribute to modernisation initiatives including cloud adoption, observability, automation, service decoupling, and platform evolution.
Drive engineering excellence through code reviews, testing strategies, CI/CD automation, and operational best practices.
Troubleshoot complex production issues across multi-tier architectures and distributed systems.
Partner with SRE teams to improve system reliability, monitoring, alerting, capacity planning, and incident response.
Collaborate with Data Science and Product teams to implement fraud and authentication intelligence solutions.
Mentor junior engineers and help elevate the engineering capability of the team.
Champion Mastercard technology standards, secure coding practices, and software engineering best practices.
Represent the team during demos, design reviews, architecture discussions, and stakeholder engagements.
All About You
Technical Skills
You have:
Strong software engineering experience developing production-grade Java applications.
Experience building and operating distributed, high-throughput, low-latency systems.
Strong understanding of microservices architectures and API design.
Experience with Spring Boot, REST APIs, event-driven architectures, and asynchronous processing.
Experience with CI/CD pipelines, automated testing frameworks, and infrastructure automation.
Strong understanding of software design patterns and object-oriented design principles.
Experience troubleshooting complex production issues using observability and monitoring tools.
Strong understanding of secure coding practices and application security principles.
Experience working with cloud-native technologies and containerised workloads.
Experience with large-scale data processing or real-time transaction platforms is highly desirable.
Professional Skills
You:
Take ownership and accountability for delivering high-quality outcomes.
Can independently drive work from concept through production delivery.
Communicate effectively with technical and non-technical stakeholders.
Influence technical decisions through data, reasoning, and collaboration.
Balance speed of delivery with resiliency, security, and maintainability.
Enjoy mentoring engineers and helping teams grow.
Thrive in an Agile environment and are comfortable operating in ambiguity.
Continuously learn and apply emerging engineering practices and technologies.
Demonstrate Mastercard cultural values including ownership, simplification, urgency, inclusion, and customer focus.
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:
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
Overview
The Decision Management Platform (DMP) Authentication Decisioning team enables one of Mastercard's first lines of defence against fraud by processing authentication requests in real time and transforming them into actionable intelligence. The platform powers products including Identity Check, Smart Authentication, AAV Validation, Token Provisioning Insights, and other authentication decisioning capabilities.
As a Senior Software Engineer, you will play a key role in designing, building, and operating highly scalable, low-latency distributed systems that process authentication transactions at global scale. You will partner closely with Product Management, Architecture, Data Science, SRE, and other engineering teams to deliver innovative capabilities that improve authentication performance, fraud detection, customer experience, and operational resiliency.
This role is ideal for an engineer who enjoys solving complex technical challenges, influencing technical direction, mentoring others, and delivering software that operates at enterprise scale.
Role
As a Senior Software Engineer, you will:
Design, develop, test, and deploy highly available distributed services supporting Mastercard authentication products.
Own delivery of features from technical design through production rollout and operational support.
Participate in team prioritisation and technical planning discussions with Product and Engineering leadership.
Drive solution design and architecture discussions, balancing scalability, resiliency, maintainability, and performance requirements.
Develop APIs, real-time transaction processing components, decisioning services, and platform capabilities supporting authentication flows.
Contribute to modernisation initiatives including cloud adoption, observability, automation, service decoupling, and platform evolution.
Drive engineering excellence through code reviews, testing strategies, CI/CD automation, and operational best practices.
Troubleshoot complex production issues across multi-tier architectures and distributed systems.
Partner with SRE teams to improve system reliability, monitoring, alerting, capacity planning, and incident response.
Collaborate with Data Science and Product teams to implement fraud and authentication intelligence solutions.
Mentor junior engineers and help elevate the engineering capability of the team.
Champion Mastercard technology standards, secure coding practices, and software engineering best practices.
Represent the team during demos, design reviews, architecture discussions, and stakeholder engagements.
All About You
Technical Skills
You have:
Strong software engineering experience developing production-grade Java applications.
Experience building and operating distributed, high-throughput, low-latency systems.
Strong understanding of microservices architectures and API design.
Experience with Spring Boot, REST APIs, event-driven architectures, and asynchronous processing.
Experience with CI/CD pipelines, automated testing frameworks, and infrastructure automation.
Strong understanding of software design patterns and object-oriented design principles.
Experience troubleshooting complex production issues using observability and monitoring tools.
Strong understanding of secure coding practices and application security principles.
Experience working with cloud-native technologies and containerised workloads.
Experience with large-scale data processing or real-time transaction platforms is highly desirable.
Professional Skills
You:
Take ownership and accountability for delivering high-quality outcomes.
Can independently drive work from concept through production delivery.
Communicate effectively with technical and non-technical stakeholders.
Influence technical decisions through data, reasoning, and collaboration.
Balance speed of delivery with resiliency, security, and maintainability.
Enjoy mentoring engineers and helping teams grow.
Thrive in an Agile environment and are comfortable operating in ambiguity.
Continuously learn and apply emerging engineering practices and technologies.
Demonstrate Mastercard cultural values including ownership, simplification, urgency, inclusion, and customer focus.
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.
Mastercard San Francisco, California, USA Office
123 Mission Street, San Francisco, CA, United States, 94105
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