Lead Software Architect

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 Lead Software Architect Join Us in Shaping the Future of Open Finance Imagine a world where your financial data works for you—securely, seamlessly, and smartly. Mastercard Open Banking is making that vision a reality. By putting control back into the hands of consumers and businesses, we’re redefining how financial information is shared and used. Through trusted, consent-driven connections, our global open banking platform—enables everything from real-time account insights to frictionless payments. It’s not just about access; it’s about empowerment. With secure APIs and a commitment to compliance, we’re building a more inclusive digital economy where innovation thrives, and smarter financial decisions are just a tap away. Innovation doesn’t happen by chance—it’s designed. That’s why architecture is at the core of this transformation journey. As technologies converge and ecosystems expand, our architects ensure every solution is scalable, secure, and built for the future. We are visionaries who transform data into opportunities and translate bold ideas into resilient, real-world systems. If you're passionate about building what’s next, and thrive at the intersection of strategy, systems, and scale—this is your moment. Role Responsibilities : As a Lead Architect, you will :

• Design and deliver robust, scalable, and secure Open Banking services that power next-generation financial experiences.
• Be deeply hands-on, diving into code, architecture reviews, and design sessions to ensure technical excellence and execution.
• Collaborate closely with product and business teams to shape what and how of our most critical initiatives.
• Mentor engineers and tech leads, raising the bar through coaching, code reviews, and architectural guidance.
• Solve the right problems the right way, applying sound judgment and balancing trade-offs between speed, scale, and sustainability.
• Simplify complexity, optimize cost-benefit strategies, and drive architectural decisions that deliver long-term value.
• Foster a “can-do” culture, showing bias for action, creative thinking, and a refusal to settle for the status quo.
• Engage across teams, identifying reuse opportunities, breaking down silos, and contributing to enterprise-wide architectural alignment.
• Lead by doing, not just directing—your technical depth and execution mindset will inspire those around you. All About you :
• Expertise in software engineering and architecture, with strong experience in Java, Spring Boot, Hibernate, and microservices.
• Hands-on experience designing and building secure, scalable systems in cloud environments (AWS, Azure, or GCP).
• Strong foundation in secure development practices, including cryptography, encryption, and secure communication protocols.
• Proficiency in secure coding practices in any of modern languages - Java, C#, Python, Node.js and more. Fluency in OWASP, CWE and vulnerability management -write code that’s not just functional - but fortified.
• Proven ability to lead technical initiatives, especially in fast-paced, high-impact environments like Financial Services with a strong understanding of compliance needs and regulatory frameworks.
• Excellent collaboration and communication skills, with the ability to influence, resolve conflicts, and align cross-functional teams.
• Creative problem-solving mindset, with a passion for continuous improvement and a drive to tackle increasingly complex challenges.
• Force multiplier, bar raiser, ownership mentality, and a commitment to delivering high-impact outcomes.
• Experience mentoring engineers, conducting technical interviews, and helping build high-performing teams. Why Mastercard? This is more than a role—it’s a mission. You’ll be part of a team that’s building the future of Open Finance, where data empowers people, and technology unlocks opportunity. You’ll work with brilliant minds, cutting-edge tools, and a culture that values innovation, integrity, and impact. 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 reasonable_accommodation@mastercard.com 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 the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include : insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Pay Ranges Salt Lake City, Utah : $138,000 - $221,000 USD