Principal 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

Principal Software Architect

Overview:
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.
In this role you will:
As a Principal Architect, you will:
• Lead the end-to-end architecture of transformative Open Finance solutions, ensuring they are scalable, secure, and future-ready.
• Define and drive the technical vision, collaborating with product and business leaders to shape what and how of our most critical initiatives.
• Mentor and elevate engineering teams, fostering a culture of craftsmanship, creativity, and continuous improvement.
• Solve the right problems the right way, balancing innovation with pragmatism and always optimizing for long-term value.
• Simplify complexity, making thoughtful trade-offs and designing systems that are elegant, efficient, and resilient.
• Champion the “art of the possible”, bringing a bold, creative mindset to every challenge and opportunity.
• Engage across the enterprise, breaking down silos, identifying synergies, and aligning architecture with business strategy.
• Lead by example—publishing thought leadership, speaking at industry events, and contributing to the global tech community.
• Be a force multiplier, raise the bar, and drive architectural excellence across a rapidly evolving ecosystem.
• Drive enterprise-wide architectural reviews, addressing regulatory needs and ensuring alignment with Mastercard’s global standards.
• Hire and grow top-tier talent, conducting technical interviews and helping shape the future of our engineering organization.
All About You:
• 10+ years of progressive experience in software engineering and architecture, with deep expertise in Java, Spring Boot, Hibernate, and microservices.
• Extensive experience in secure software development, including cryptography, encryption, and secure communication protocols.
• Proven leadership in large-scale, cross-functional initiatives—especially within the Financial Services industry, with a strong understanding of compliance requirements and the evolving regulatory landscape.
• Cloud-native expertise, with hands-on experience in AWS, Azure, or GCP.
• Strategic mindset, with a strong grasp of architectural principles, design patterns, and regulatory frameworks.
• Exceptional communication and collaboration skills, with the ability to influence, resolve conflicts, and align diverse stakeholders.
• Creative problem-solving ability, with a bias for action and a passion for continuous learning.
• Evidence of a “can-do” attitude, ownership mindset, and a commitment to delivering high-impact outcomes.
• Strong understanding of Agile methodologies, with the ability to drive iterative delivery and cross-team collaboration.
• Strong communicator with the ability to explain complex concepts to both technical and non-technical audiences, and to influence stakeholders across product, engineering, and acquisition teams.
• Bachelor’s degree in Computer Science, Data Analytics, Mathematics, Software Engineering, or a related field or equivalent practical experience.

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 the US, the successful candidate will be offered a competitive base salary based on location, experience and other qualifications for the role and may be eligible for an annual bonus or commissions depending on the role. 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 new parent leave, up to 20 paid days bereavement leave), 10 annual paid sick days, 10 or more annual paid vacation days based on level, 5 personal days, 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, gender-inclusive benefits and many more.

Pay Ranges

Salt Lake City, Utah: $165,000 - $264,000 USD