Senior Software Engineer

Mastercard Inc.; Toronto; On-site; CAD 120,000 - 180,000; Full time

Job summary

Ethoca, a Mastercard company, is hiring a Senior Software Engineer to design, develop, and deploy high-quality software at scale. You will drive technical initiatives, mentor teammates, and collaborate across product, engineering, operations, security, and compliance to deliver secure, reliable solutions.

The role emphasizes ownership of services throughout their lifecycle, on-call readiness, and strong observability practices to minimize downtime and optimize performance.

Qualifications

• Strong foundation in software engineering principles and secure software development.
• Expert-level proficiency with Java 17+ and Spring-based apps.
• Experience designing RESTful APIs and service integrations.
• Experience building cloud-native apps and distributed systems (Azure preferred).

Responsibilities

• Design, develop, test, deploy, and maintain high-quality software meeting Mastercard standards.
• Drive technical initiatives from concept to production, managing dependencies and outcomes.
• Collaborate with product, engineering, operations, security, and compliance partners.
• Contribute to architecture and design decisions for distributed systems and APIs.
• Own services throughout their lifecycle including monitoring and incident response.
• Troubleshoot production issues using logs, metrics, and root cause analysis.
• Participate in on-call support and operational readiness activities.
• Apply secure-by-design practices when handling sensitive data.
• Mentor others and promote best engineering practices.

Skills

Java 17+

Spring

REST APIs

Azure

Git

CI/CD

Observability

Distributed systems

Security

AI tools

Education

Bachelor's degree in Computer Science or related field

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 Senior Software Engineer Overview:

Ethoca, a Mastercard company, is transforming the way merchants and card issuers work together to combat fraud and improve the digital commerce experience. We build highly scalable, secure, and resilient technology that powers collaboration across the global payments ecosystem. We are looking for a Senior Software Engineer who thrives on solving complex technical problems, takes ownership of outcomes, and enjoys building production-grade software that operates at scale. This role is ideal for an engineer who can independently drive initiatives, influence technical decisions, mentor others, and contribute to a culture of engineering excellence. Mastercard powers an inclusive digital economy by making transactions safe, simple, smart, and accessible. Through secure technology, trusted partnerships, and continuous innovation, we help individuals, businesses, and governments realize their greatest potential.

The Role :

• Design, develop, test, deploy, and maintain high-quality software solutions that meet Mastercard standards for security, reliability, scalability, and operational excellence.
• Independently drive technical initiatives from concept through production, navigating ambiguity, managing dependencies, and delivering measurable business outcomes.
• Collaborate with product, engineering, operations, security, and compliance partners to translate business needs into well-designed technical solutions.
• Contribute to architecture and design decisions for distributed systems, APIs, integrations, and platform capabilities, balancing business priorities with long-term maintainability.
• Own software services throughout their lifecycle, including implementation, deployment, monitoring, incident response, and continuous improvement.
• Troubleshoot complex application and production issues using logs, metrics, traces, debugging tools, and systematic root cause analysis techniques.
• Participate in on-call support, incident reviews, and operational readiness activities while driving improvements that enhance reliability and reduce operational toil.
• Apply secure-by-design and privacy-conscious engineering practices when working with sensitive financial and consumer data.
• Foster engineering excellence through code reviews, technical mentoring, knowledge sharing, and promotion of development best practices.
• Continuously improve automation, testing, observability, developer experience, and software delivery processes.
• Use approved AI-assisted engineering tools responsibly to improve productivity while applying sound engineering judgment, rigorous validation, and strong protection of confidential or sensitive information.

All About You :

• Bachelor's degree in Computer Science, Information Technology, a related field, or equivalent practical experience.
• Strong foundation in software engineering principles including system design, source control, testing, debugging, performance analysis, maintainability, and secure software development.
• Expert-level proficiency with Java (17+) and Spring-based application development.
• Experience designing and building RESTful APIs and service integrations.
• Experience developing cloud-native applications and distributed systems, preferably in Azure environments.
• Proficient with distributed source control systems (e.g., Git), including branching strategies, code review workflows, conflict resolution, and release management practices.
• Experience working within modern CI/CD environments, including build automation, deployment pipelines, release validation, and operational support.
• Demonstrated ability to investigate and resolve complex production issues through structured troubleshooting, evidence-based decision-making, and root cause analysis.
• Strong understanding of observability practices including logging, monitoring, metrics, dashboards, distributed tracing, and reliability-oriented alerting.
• Experience with modern data platforms and databases, including data modeling, scalability, performance, and operational trade-offs.
• Working knowledge of authentication, authorization, secrets management, vulnerability management, and secure handling of sensitive data in regulated environments.
• Strong ownership mindset with a proven ability to take initiative, drive work to completion, remove blockers, and deliver results with limited supervision.
• Ability to collaborate effectively across teams, influence technical decisions, and communicate complex concepts to both technical and non-technical stakeholders.
• Comfortable using approved AI-assisted development tools and applying critical judgment to validate AI-generated outputs before production use.
• Committed to continuous learning, engineering excellence, and helping others grow.

Preferred Qualifications :

• Experience in payments, fintech, commerce, banking, fraud prevention, or other regulated industries.
• Experience building high-throughput, highly available, or event-driven systems.
• Experience with batch processing, workflow orchestration, or large-scale data pipelines.
• Experience incorporating AI-enabled capabilities into products or engineering workflows.

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 [e-mail] 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 Canada, the successful candidate will be offered a competitive pay based on location, experience and other qualifications for the role and may be eligible to participate in a discretionary annual incentive program. This posting reflects one or more current openings on our team.

Everyone wants easier ways to pay; we invent them. Checkout lines are slow; we speed them along. Merchants want more sales; we give them data and insights. People need financial access; we connect them. Corporate purchasing is complicated; we make it simple. Commuters are busy; we speed them on their way. Governments need greater efficiencies; we help create them. Small businesses are virtual; we give them access to a world of buyers. Retailers want to fight fraud; we provide the tools.