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
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 Software Engineer II who is eager to grow their technical expertise while taking ownership of delivering high-quality software components from development through deployment. This role is ideal for an engineer who can independently troubleshoot and improve existing solutions, adapt to new technologies and architectural patterns, and contribute meaningfully to team decisions. The successful candidate demonstrates continuous learning, collaborates effectively with peers, supports less experienced team members, and helps deliver reliable, scalable software that meets business and customer needs.
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.
Role
• Design and develop scalable, service-oriented software architectures.• Drive the development of robust web applications and continuously enhance product capabilities.• Produce well-structured, maintainable code using modern design patterns and principles that ensure separation of concerns.• Write clean, testable code and participate in peer code reviews to ensure high engineering standards.• Contribute to all stages of the development lifecycle, including design, implementation, and testing.• Collaborate cross-functionally to deliver scalable and resilient applications aligned with business needs.• Leverage emerging technologies and innovative approaches to optimize performance across large-scale data environments.• Apply expertise in computer science, software engineering concepts to address complex challenges faced by global organizations.
All About You
• Hands-on software engineering experience, with a strong background in full-stack development, building scalable, high-performance applications.• Full-stack development expertise across UI, microservices architecture, and database technologies.• Strong proficiency in Java, Spring Boot, React/Angular, and PostgreSQL; experience with any cloud such as GCP or Azure, Snowflake, GitHub Copilot is a plus.• Solid understanding of software design patterns, system architecture, data structures, and algorithms, with experience designing maintainable, resilient, and high-performance systems.• Demonstrated ability to solve complex, real-world technical challenges and innovate with large-scale data sets.• Proven ability to thrive in collaborative, agile development environments, contributing to team planning, execution, and continuous improvement.• Excellent written and verbal communication skills, with the ability to convey technical concepts to cross-functional teams and stakeholders.• Strong problem-solving mindset, initiative, and creativity in approaching new challenges.• Bachelor degree in Computer Science, Software Engineering, Information Technology, or a related field. Equivalent practical experience may also be considered.
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 [email protected] 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.
Pay Ranges
Toronto, Canada: $91,000 - $140,000 CAD