Lead Software Engineer (Architect)

Mastercard

Confirmed live yesterday High trust

Quick summary

Work type: On-site
Location: O Fallon, MO
Salary: $140,000–$231,000 / yr
Posted: 4 days ago
Freshness: Confirmed live yesterday
Nearby: 99+ roles within 25 mi

Market check

Salary context

Competitive pay

How this pay compares to similar roles

Similar $195k

This role $186k

$126k $271k

below market most similar roles pay here above market

This role pays less than 58% of similar roles. Most pay $174,600–$214,625 — the blue band above. At the midpoint, this role pays about $186k versus about $195k for comparable roles.

Based on 240 similar postings.

Employer

About Mastercard

Mastercard is a global technology company in the payments industry, processing transactions between financial institutions and merchants using its extensive network of credit, debit, and prepaid card products. Industry: Payments Technology & Financial Services

Mastercard currently has 150 open roles on FindRole.

Listed pay typically runs $122,000–$207,000 across 142 roles with salary data.

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View all roles at Mastercard

At a glance

TL;DR · Lead Software Engineer (Architect)

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The Lead Software Engineer (Architect) joins the Mastercard Authentication Program to provide technical leadership for the Smart Interface platform. This role involves defining the long-term architecture and technology strategy for the EMV 3-D Secure 3DS Server platform. You will lead the design, development, and evolution of scalable, low-latency transaction systems and cloud-native distributed applications. Key responsibilities include translating requirements into secure solutions, mentoring engineers, and managing code reviews. You will utilize Java, Spring Boot, microservices, REST APIs, OpenAPI, and event-driven architectures across Azure, AWS, or GCP. The role requires deep expertise in the EMV 3DS ecosystem, including Directory Servers and Access Control Servers. You will solve complex problems regarding digital identity, authentication protocols, fraud prevention, and transaction lifecycles within global payment processing systems.

Skills

Java Spring Boot Microservices REST APIs OpenAPI Event-Driven Architecture Distributed Systems Azure AWS GCP Kafka NoSQL CI/CD DevSecOps TLS/mTLS Encryption Domain-Driven Design SRE

What you'll do

Lead the design, development, and evolution of the Smart Interface platform.
Translate business and technical requirements into scalable, secure, and maintainable distributed solutions.
Own the platform architecture and contribute to long-term technical roadmaps.
Design high-availability, low-latency transaction systems using microservices and event-driven architectures.
Define integration and API standards while leading modernization initiatives for performance and scalability.
Apply secure coding practices including encryption, TLS/mTLS, and secrets management.
Mentor engineers on software design, development practices, and complex technical decision-making.
Lead the development of EMV 3DS capabilities to support current and future EMVCo standards.

What we're looking for

Bachelor’s degree in Computer Science, Software Engineering, or a related discipline.
15+ years of software engineering experience, including significant technical leadership responsibilities.
Proven experience designing and delivering large-scale distributed enterprise applications and platforms.
Strong cloud engineering experience across Azure, AWS, GCP, or equivalent platforms, including containerization.
Hands-on development experience with Java and Spring Boot.
Deep expertise in microservices, REST APIs, OpenAPI specifications, event-driven architectures, and distributed systems.
Deep knowledge of the EMV 3-D Secure ecosystem, authentication flows, and payment processing systems.
Experience developing or supporting a commercial EMV 3DS Server platform and EMVCo certification (preferred).

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