Principal Software Engineer - Treasury Services

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 Engineer - Treasury Services

The Opportunity
We’re seeking a Principal Software Engineer who combines hands-on technical depth with cross-organizational influence. You’ll be the technical SME for modernizing data flows across the treasury platforms, leading design and delivery of event-driven microservices and enabling expanded use of our Treasury Management System (TMS) to elevate automation, reliability, and real-time decision making.
This role is ideal for a principal-level engineer who is equally comfortable writing production code, setting architectural guardrails, partnering with Finance/Treasury stakeholders, and aligning multiple engineering teams around a cohesive platform strategy.

What You’ll Do
• Architect and implement data integration pipelines with Mastercard’s Treasury Management System (TMS) including:
o Bank connectivity (APIs, Swift, host-to-host), statement ingestion, payment/settlement instructions, reconciliation.
o Market data ingestion (rates, curves, credit spreads) and valuation workflows.
o Trade/hedge lifecycle (creation, amendment, valuation, accounting, P&L/GL posting).
o Extensibility: custom adapters, data pipelines, reference data mastering, error handling/observability patterns.
• Lead end-to-end technical delivery for critical treasury capabilities (e.g., cash positioning, liquidity forecasting, hedge lifecycle management, deal capture/valuation, settlements, GL posting flows).
• Drive platform hardening: throughput, latency, operational resilience, and observability (metrics, logs, traces, SLOs).
• Define and evolve the integration architecture within Treasury Services: domain-driven, event-driven, microservices-based, secure-by-default, and API enabled.
• Establish eventing patterns and schemas (Kafka topics, contracts, idempotency, exactly-once semantics where applicable) across teams; drive adoption of consumer-first and backward-compatible contracts.
• Serve as a trusted technical advisor for senior engineering leaders, Finance/Treasury product owners, InfoSec, Risk, and Compliance.
• Lead architecture reviews, RFCs, and design forums; mentor Staff/Senior Engineers; uplift engineering standards (testing, code quality, performance).
• Aligning multiple teams on platform roadmaps, migration/modernization plans, and incremental delivery that de-risks change.
• Build for HA/DR, regional failover, runbooks, chaos testing, and fault injection.
• Ensure compliance with internal controls and relevant financial reporting standards in integration patterns and data flows.

Basic Qualifications
• 10+ years in professional software engineering with 7+ years building Java services at scale.
• Expert in Java, Spring / Spring Boot, Hibernate/JPA, REST/APIs, Kafka (or similar event streaming), and microservices architecture.
• Proven track record integrating and extending a vendor TMS, preferably ION Reval (or similar: Kyriba, FIS Quantum, GTreasury, SAP TRM), including building robust adapters and data pipelines.
• Demonstrated cross-organizational influence: leading architecture decisions, aligning multiple teams, mentoring senior engineers, and driving platform-wide standards.
• Solid grasp of data modeling (relational & event schemas), transactional integrity, idempotency, eventual consistency, and distributed systems patterns.
Preferred Qualifications
• Direct experience with ION Reval or similar TMS systems to enhance corporate treasury products and services (e.g., trade import/export, valuation, accounting, payment workflows, statement ingestion, market data integration).
• Experience with financial data and treasury domain concepts: cash positioning, liquidity optimization, FX/IR hedging, intercompany loans, netting, settlements, GL/subledger integration.
• Knowledge of data platforms (e.g., Kafka Streams/Flink/Spark), schema management (Avro/Protobuf/JSON Schema), and streaming ETL patterns.
• Familiarity with security & compliance in financial systems (audit trails, SOX/internal controls, data retention, PII handling).
Tech Stack
• Languages/Frameworks: Java 17+, Spring Boot, Spring Data, Hibernate/JPA
• Eventing/Streaming: Kafka (producers/consumers, Streams/KSQL optional)
• APIs: REST/JSON, Async/Reactive where appropriate
• Datastores: Postgres/Oracle, Redis/Cache; exposure to columnar/NoSQL a plus
• Cloud & Ops: Docker, Kubernetes, CI/CD (GitHub Actions/Jenkins), Observability, Feature Flags
• Data & Integration: Schema Registry, API/Swift connectivity, SFTP, ETL pipelines
Education
• BS/MS in Computer Science or related field (or equivalent practical experience).

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.