Our PurposeMastercard 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 SummarySoftware Engineer IIOverviewJoin a team focused on transforming how Mastercard's payment systems are built, scaled, and operated. As a Software Engineer II, you will design and develop cloud-ready applications, microservices, and APIs that support large-scale payment processing platforms while helping advance modernization, automation, and engineering excellence across the organization.You'll work on scalable backend systems, contribute to platform modernization initiatives, and collaborate with engineers to deliver reliable software solutions. This role is ideal for someone who enjoys solving technical challenges, building production-ready applications, and continuously improving how software is designed, developed, tested, and supported. What You Will Do•Design software components by translating product requirements into scalable technical solutions.•Contribute to software architecture decisions and technical design discussions.•Build modular, extensible, maintainable, and performant applications.•Design, execute, and maintain unit, functional, and integration tests.•Apply secure coding practices throughout the software development lifecycle.•Participate in code reviews and contribute to engineering quality standards.•Support system performance optimization, scalability improvements, and reliability initiatives.•Design applications with observability, operational readiness, and supportability in mind.•Research new technologies, frameworks, and engineering practices.•Participate in proof-of-concepts and technical experimentation.•Troubleshoot application and production issues using structured root cause analysis.•Support applications throughout their lifecycle, including production support.•Collaborate with cross-functional stakeholders to deliver business solutions.All About You•Solid understanding of Java, J2EE, Spring, Spring Boot, Kafka, RESTful Web Services, and JPA.•Experience developing cloud-ready applications and microservices.•Understanding of software architecture and design principles.•Experience with automated testing, unit testing, and integration testing.•Familiarity with performance optimization and scalability concepts.•Understanding of secure software development practices.•Experience participating in code reviews.•Strong analytical and troubleshooting skills.•Exposure to CI/CD and Test-Driven Development practices.•Experience or exposure to AI-assisted applications, autonomous agents, or agentic workflows.•Agile Scrum experience.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 ResponsibilityAll 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, andComplete 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 RangesO'Fallon, Missouri: $92,000 - $147,000 USD