Senior Software Engineer

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

Who is Mastercard?

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.

Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

Overview

The Mastercard Open Finance Connect team is looking for a Senior Software Engineer to help shape the future of financial connectivity and consumer experiences through consistent innovation and problem-solving.

We are seeking an exceptional, hands-on engineer with advanced expertise in React.js, Node.js, TypeScript, API engineering, and cloud-native development. The ideal candidate combines strong software engineering fundamentals with intellectual curiosity, customer focus, and practical AI fluency. You will build scalable experiences and backend platforms, use tools such as GitHub Copilot, Claude, or Cursor responsibly, and explore AI-powered applications, agents, and agentic workflows while maintaining high standards for architecture, security, testing, reliability, and code quality.

Role

• Design, develop, and operate scalable customer-facing applications and backend services using React.js, Node.js, JavaScript, and TypeScript.
• Build secure, reusable, commercial-grade REST APIs and integrations used by internal teams, financial institutions, data providers, and external partners.
• Design microservices, distributed systems, and event-driven solutions with strong availability, performance, observability, and operational readiness.
• Own features and services end to end, including design, estimation, development, testing, deployment, documentation, production support, and continuous improvement.
• Use AI-assisted development tools to accelerate coding, testing, debugging, documentation, code reviews, and technical exploration without compromising engineering judgment.
• Design and build AI-powered capabilities, intelligent automation, agents, and agentic workflows that address meaningful customer and engineering needs.
• Lead technical and architecture discussions, conduct high-quality code reviews, mentor engineers, and promote reusable frameworks, standards, and engineering best practices.

The ideal candidate for this position should

• Bachelor's degree in Computer Science, Computer Engineering, Information Technology, a related field, or equivalent practical software development experience.
• Extensive experience in software engineering.
• Demonstrate advanced full-stack expertise in React.js, Node.js, JavaScript, and TypeScript, with a strong understanding of component architecture, state management, performance optimization, and modern testing practices.
• Have deep experience designing and developing scalable backend services and REST APIs using Node.js and frameworks such as Express.js or NestJS, including API contracts, versioning, lifecycle management, gateways, caching, and asynchronous integration patterns.
• Understand application security, authentication, and authorization, including OAuth2, JWT, OWASP secure coding practices, data protection, and vulnerability management.
• Be experienced with microservices, distributed and event-driven architectures, relational or NoSQL databases, Docker, Kubernetes, CI/CD, cloud platforms, monitoring, logging, and observability.
• Use AI coding assistants such as GitHub Copilot, Claude, or Cursor effectively and responsibly for code generation, refactoring, testing, debugging, and documentation, while validating outputs for security, quality, and maintainability.
• Be an exceptional problem-solver and systems thinker who takes ownership, communicates clearly, collaborates across Product, UX, QA, and Engineering, and consistently delivers production-quality outcomes.

Desirable Capabilities

• Experience building AI-powered applications, agents, agentic workflows, or LLM integrations using platforms such as OpenAI, Anthropic, Azure OpenAI, or Gemini.
• Knowledge of prompt engineering, retrieval-augmented generation, vector databases, model context protocols, and responsible AI practices.
• Experience with technologies such as Kafka, Redis, GraphQL, Next.js, or similar tools used in scalable platforms.
• Experience in FinTech, Open Banking, payments, or another regulated industry.

Additional information

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 and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email.

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.

Pay and benefits

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 01/05/2027. If the fill date has passed, Mastercard intends to fill this position as soon as possible.

Pay Ranges

Salt Lake City, Utah: $115,000 - $184,000 USD