MasterCard

Principal AI Engineer

MasterCard$138K — $221K *
Enterprise Technology
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5-7 years of engineering experience in large-scale production systems
  • Experience leading platform, infrastructure, or enterprise software solutions from design to production
  • Hands-on expertise with Python and backend technologies
  • Familiarity with APIs, distributed systems, and cloud-native applications
  • Experience with infrastructure as code tools like Terraform or CloudFormation
  • Deep understanding of AI application patterns and lifecycle management
  • Proficient in operational readiness and incident management practices

Responsibilities

  • Design scalable architectures for AI applications and distributed services
  • Build production-grade backend services and orchestration frameworks
  • Define platform patterns that accelerate AI adoption across the enterprise
  • Translate business requirements into secure technical solutions
  • Drive architectural decisions concerning performance and reliability
  • Design cloud-native foundations using Kubernetes and containers
  • Establish standards for observability and disaster recovery processes
  • Produce architecture diagrams and lead governance reviews

Benefits

  • Opportunities for professional development and mentoring
  • Participation in a discretionary annual incentive program
  • Access to comprehensive security training
  • Involvement in cutting-edge AI platform projects
  • Work in a dynamic, collaborative team environment
Full Job Description
Title and Summary

Principal AI Engineer

Overview:

Mastercard is seeking a Principal AI Engineer to design and deliver enterprise-scale AI platform capabilities that help teams build, deploy, evaluate, and operate AI-powered applications securely and reliably.

This role combines deep software engineering expertise with platform engineering and cloud architecture experience. You will operate as a hands-on technical leader responsible for designing scalable AI systems, defining platform standards, and driving implementation across application, infrastructure, and operational domains.

Role:
• Design scalable architectures for AI applications, distributed services, APIs, event-driven workflows, and data-intensive workloads.
• Build production-grade backend services, orchestration frameworks, and reusable platform components.
• Define platform patterns, reference architectures, and implementation standards that accelerate enterprise AI adoption.
• Translate ambiguous business and product requirements into secure, scalable technical solutions that can pass architecture, governance, and security review.
• Drive architectural decisions across service boundaries, data flows, performance, extensibility, reliability, and security.
• Design and evolve cloud-native foundations, including Kubernetes, containers, networking, deployment automation, and infrastructure as code.
• Establish standards for observability, SLOs, deployment and rollback, capacity planning, resiliency, and disaster recovery.
• Produce architecture diagrams, flowcharts, and design documentation, and lead architecture, security, and governance reviews.
• Contribute hands-on through development, code reviews, design reviews, and technical coaching.
• Evaluate emerging AI, cloud, and platform technologies and guide practical adoption decisions.

All About You:
• Strong engineering experience designing, delivering, and operating large-scale production systems.
• Proven ownership of complex platform, infrastructure, or enterprise software solutions from design through production.
• Experience leading technical initiatives across multiple teams and influencing architecture decisions at scale.
• Hands-on experience with Python and modern backend technologies.
• Experience designing APIs, distributed systems, event-driven architectures, and cloud-native applications.
• Strong understanding of software design principles, testing strategies, CI/CD, and continuous delivery practices.
• Deep experience operating systems on AWS, Azure, or GCP, with hands-on Kubernetes, containers, and cloud-native architecture experience.
• Experience with infrastructure as code tools such as Terraform, CloudFormation, Helm, or similar technologies.
• Understanding of modern GenAI application patterns, including RAG, evaluation frameworks, prompt engineering, AI observability, model lifecycle management, and agents or agent orchestration.
• Strong knowledge of networking, identity, security, reliability, monitoring, incident management, and operational readiness practices.
• Ability to present, promote, defend, and demonstrate technical solutions to engineers, architects, product leaders, security partners, governance bodies, and executive stakeholders.
• Track record of mentoring teams and driving technical excellence across an organization.

Preferred:
• Experience building enterprise AI platforms, GenAI solutions, or developer platforms.
• Experience with AI observability and evaluation platforms.
• Experience with fintech, regulated environments, or enterprise security and governance processes.
• Experience supporting highly regulated or high-security environments.

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 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. This posting reflects one or more current openings on our team.

Pay Ranges
Toronto, Canada: $138,000 - $221,000 CAD

About MasterCard

Transactis transforms traditional paper billing and payment processing by enabling businesses of all sizes to replace paper bills, statements, invoices, payments and documents with more efficient digital alternatives. Transactis goes to market exclusively with resellers—financial institutions, technology companies, printers and business process outsourcers—to provide their customers with secure, configurable, white-label, industry-leading SaaS solutions. More than a technology provider to resellers, Transactis is a full-service business partner, delivering a broad and deep suite of sales, marketing, technical and operational support, empowering resellers to more successfully serve their clients. Transactis meets the strictest regulatory and compliance requirements including HIPAA, SSAE 16, PCI Level 1, and SOC 2. Transactis’ investors include ff Venture Capital, MacAndrews & Forbes, Metamorphic Ventures, Safeguard Scientifics, StarVest Partners, Capital One, Fifth Third Bank, PNC, TD Bank and Wells Fargo.

MasterCard Careers

Joining MasterCard offers more than just a job opportunity; it's a gateway to a career infused with innovation, leadership, and growth. As a global leader in payment solutions, MasterCard is at the forefront of the digital economy, driving transformation in the fintech sector.

Work You’ll Do

At MasterCard, your work impacts the global economy. Our team is dedicated to shaping the future of commerce with advanced payment technologies and robust security measures. By joining our team, you will collaborate with some of the brightest minds in technology and business, contributing to projects that enhance how people pay and get paid across the world.

Innovate and Lead

MasterCard is synonymous with innovation. We encourage our professionals to lead with creativity and vision, supported by our substantial investments in technology and research. Our leadership in the digital payments space is not just about technology, but also about the innovative minds that drive our company forward.

Grow Your Career

Career growth at MasterCard is dynamic and rewarding. With a plethora of job opportunities ranging from internships to executive positions, your potential for advancement is limitless. Our commitment to professional development is evident through comprehensive leadership and diversity training programs that prepare you for the next steps in your career.

Be Part of Our Diverse Team

Diversity and inclusion are the bedrock of our company culture. MasterCard’s global team is rich in diverse perspectives, and we believe this is key to our innovation. By joining us, you become part of a culture that values every individual’s unique background and experiences.

Benefits and Culture

MasterCard is committed to supporting our employees’ well-being both inside and outside of work. Our benefits package is designed to enhance your life and help you build a rewarding career. From health and wellness programs to flexible working arrangements, we ensure that our team members are well taken care of.

Explore Job Opportunities

Whether you’re starting out with an internship or seeking a leadership role, MasterCard offers positions that challenge your skills and push you towards personal and professional achievements. Our hiring process is thorough, ensuring that we match the right talent to the right roles.

Networking and Professional Development

Networking at MasterCard goes beyond connecting with colleagues; it involves engaging with industry leaders and innovators who are shaping the future of commerce. Our employees have access to a wide range of networking events, workshops, and seminars that enhance their skills and career trajectories.

Join Our Team

Search open positions that match your skills and interests on the MasterCard Careers page. We are looking for passionate, curious, and innovative team players who are ready to make a difference in the world of digital payments.

Stay Connected

Keep up to date with career tips, insider perspectives, and industry-leading insights you can put to use today—all from the people who work here. MasterCard is not just a company; it’s a place where you can shape your future and the future of commerce worldwide.

Apply Now

Ready to take the next step in your career? Update your resume, prepare for your interview, and apply for a position at MasterCard. Discover the exciting and rewarding opportunities that await you in a career at one of the world’s leading financial technology companies.

MasterCard Jobs and Careers

Empower your professional journey with MasterCard, where innovation, leadership, and growth come together to create transformative career experiences. Join us and make your mark in the evolving landscape of digital payments.
Learn more about MasterCard
Size
24,000 employees
Market Cap
$330.8 billion
Industry
Net Income
$6.4 billion
Founded
1966
5 Year Trend
+11.9%
Revenue
$15.3 billion
NASDAQ

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