Software Engineer II

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

Software Engineer II L8 ENGINEER REQ Wednesday 8 July 2026 12:56 Software Engineer II – AI & Decision Product Enablement (Decision Enrichments) Overview At Mastercard, we are building the next generation of intelligent decisioning platforms that power fraud prevention, risk management, payment intelligence, and customer experiences at global scale. The AI & Decision Product Enablement (AI & DPE) – Decision Enrichments team in Dublin is looking for an exceptional Software Engineer II to help shape the future of real-time decisioning. Our platforms process billions of transactions and data signals, enabling critical decisions across Mastercard's global network. This is an opportunity to work on highly scalable distributed systems, modern cloud-native architectures, AI-enabled development practices, and mission-critical products that directly impact the safety and efficiency of the global payments ecosystem. Why Join Us? • Build technology that protects and enables commerce at global scale • Solve complex engineering and business challenges using modern technologies • Work alongside talented engineers, architects, product leaders, and data specialists • Influence the future architecture of Mastercard's decisioning platforms • Leverage AI throughout the software development lifecycle • Help create a world beyond cash through innovation, security, and intelligent decisioning Role As a Software Engineer, II you will play a key role in designing and delivering high-performance, large-scale software solutions that power Mastercard's Decision Enrichments platform. Responsibilities ○ Design and deliver innovative Java-based capabilities for Mastercard's Decision Enrichments platform. ○ Build highly scalable, resilient, secure, and performant distributed systems. ○ Collaborate within Agile teams to develop and deliver business-critical capabilities. ○ Partner closely with Product Owners, Business Analysts, Architects, Technical Leads, and fellow Engineers to define and deliver solutions. ○ Work closely with Quality Engineering teams to ensure high-quality releases. ○ Contribute to architecture, design, implementation, testing, deployment, and operational excellence. ○ Troubleshoot complex production issues and drive root-cause resolution. ○ Evaluate emerging technologies and recommend improvements to platform capabilities. ○ Drive engineering best practices, automation, and continuous improvement. ○ Produce technical designs and documentation aligned with Mastercard engineering standards. ○ Use AI-assisted engineering practices within Mastercard guidelines to maximise productivity and quality throughout the SDLC. What We're Looking For Technical Skills § Strong software engineering expertise using Java (JDK 17+). § Experience building applications using Spring Framework and Spring Boot. § Experience designing and developing RESTful APIs and microservices. § Strong understanding of distributed systems, scalability, resilience, and fault tolerance. § Experience working with event-driven architectures and messaging platforms. § Knowledge of multithreading, concurrency, and high-performance application design. § Experience with relational databases and data-intensive applications. § Familiarity with cloud-native application development, containerisation, and modern deployment platforms. § Strong understanding of security, observability, monitoring, and operational excellence. § Experience with automated testing frameworks, CI/CD pipelines, and DevOps practices. § Understanding of software design patterns and clean architecture principles. § Experience using source control and collaborating in multi-developer environments. § Familiarity with Business Rules Management Systems or decisioning platforms is advantageous. § Experience leveraging AI tools and capabilities throughout the software development lifecycle. Engineering Mindset □ Passion for building reliable, maintainable, and scalable software. □ Strong problem-solving and analytical skills. □ Curiosity to learn new technologies and challenge existing approaches. □ Ability to operate effectively in complex, high-scale environments. □ Commitment to engineering excellence, quality, and continuous improvement. What Sets You Apart ® Experience building systems that operate at enterprise scale. ® Ability to balance hands-on development with technical leadership. ® Strong ownership mindset and bias for action. ® Interest in AI, intelligent decisioning, fraud prevention, risk systems, or large-scale data platforms. ® A desire to influence architecture and shape the future of critical Mastercard platforms. Working Style ◊ Agile development using Scrum and/or SAFe methodologies. ◊ Collaborative, inclusive, and high-performing engineering culture. ◊ Opportunities to work across global teams and functions. ◊ Significant focus on innovation, platform modernisation, and engineering excellence. Qualifications } Bachelor's degree in Computer Science, Software Engineering, Information Technology, or equivalent practical experience. } Relevant industry experience building enterprise-grade software solutions. Join Us Help build the future of intelligent decisioning at Mastercard. Work on platforms that make payments safer, smarter, and more secure for millions of businesses and consumers worldwide, while shaping the next generation of AI-enabled engineering and payment technology.

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.