Who you are

- Extensive experience designing, building, and supporting production software

- Strong background as a software architect, principal engineer, or senior technical lead

- Deep knowledge of modern architecture, APIs, distributed systems, cloud-native platforms, and security

- Strong PDLC experience across discovery, architecture, delivery, and production readiness

- Hands-on experience building prototypes, proofs of concept, or reference implementations

- Comfortable using AI-assisted coding tools to accelerate development and validation

- Skilled at translating complex needs into practical technical approaches

- Strong communicator across engineering, product, business, and executive audiences

- Able to influence technical direction across teams without direct authority

- Experience in payments, commerce, fraud, identity, cybersecurity, or trust platforms preferred

- Experience with agentic commerce, AI agents, or generative AI is a strong plus

What the job involves

- The Principal Engineer shapes technical architecture, solution patterns, and engineering approaches for strategic initiatives within Mastercard’s Security Solutions Organization (SSO)

- Sitting within Solutions Engineering, the role partners across Product, Engineering, Data Science, Security, and Platform teams to turn business opportunities into practical architecture concepts, reusable patterns, and prototypes
- The role is primarily strategic but includes hands-on prototyping to validate concepts and accelerate decisions

- It supports a range of emerging capabilities with a strong emphasis on reusability and cross-product platform thinking

- Agentic Trust Data, Platforms &
- Non Network Intelligence is a key focus area,



and this role will help define the architecture patterns and reusable foundations that enable Mastercard’s agentic and AI-driven solutions to scale

- Architecture &

- Platform Strategy

- Define solution architectures, reusable patterns, and shared components across SSO initiatives

- Translate product and business needs into clear engineering concepts and architecture options

- Evaluate trade-offs across scalability, security, interoperability, and maintainability

- Identify connective architecture and reusable capabilities across products and platforms.

Product Development Lifecycle Enablement

- Apply solid PDLC experience to move initiatives from concept through validation to production readiness

- Partner with Product and Engineering teams to clarify technical requirements, dependencies, and risks

- Ensure architecture decisions account for real-world delivery, supportability, and platform evolution.

Prototyping &

- Emerging Technology

- Build prototypes and proofs of concept to validate architecture assumptions and demonstrate feasibility

- Use AI-assisted coding to accelerate exploration and development

- Explore emerging technologies, with particular attention to agentic commerce, AI agents, non-network intelligence, modern APIs, and cloud-native platforms

- Distinguish prototype work from production-grade implementation while informing product and engineering direction.

Communication &

- Influence

- Create clear architecture diagrams, technical narratives, and decision materials for varied audiences

- Present concepts and recommendations to engineers, product leaders, and senior stakeholders

- Drive cross-functional alignment and serve as a trusted technical advisor

📌 Principal Software Engineer (Toronto)
🏢 Mastercard
📍 Toronto