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 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.

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.

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 solid protection of confidential or sensitive information.

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.

Proficient with distributed source control systems (e.g., 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.

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.

In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact View email address on publisher.sourcingsquare.com not include any medical or health information in this email. 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; 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. we give them data and insights. Corporate purchasing is complicated; we help create them. Small businesses are virtual; Retailers want to fight fraud;

📌 Software engineer senior H/F (IT) (Toronto)
🏢 Mastercard
📍 Toronto