Principal AI Engineer

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 AI Engineer About Mastercard Mastercard is a global technology company in the payments industry, connecting billions of consumers, financial institutions, merchants, governments, and businesses worldwide. We are driving the future of commerce by enabling secure, simple, and smart transactions. Artificial Intelligence is at the core of our strategy to make Mastercard stronger and commerce safer, smarter and more personal. The Role At Mastercard, we’re building next-generation AI-powered platforms to drive innovation and impact. As an AI Engineer, you’ll work with cutting-edge tools, large language models (LLMs), and emerging frameworks to develop intelligent systems. You’ll collaborate with senior engineers, data scientists, and product teams—gaining hands‑on experience while contributing to real‑world AI solutions. You’ll help implement Agentic AI systems, develop backend services, and explore new AI capabilities. Your focus will include prompt engineering, guardrail design, and experimentation to ensure safe, scalable, and effective AI applications. Key Responsibilities Develop and enhance AI agents and backend systems for Mastercard’s AI platform Evaluate LLMs and emerging technologies to identify innovation opportunities Design and optimize prompts for LLMs Implement safeguards to ensure secure, ethical AI responses Build APIs, microservices, and data integrations for AI features Write clean, maintainable code following industry best practices Stay current with advancements in AI and software engineering All About You Basic understanding of AI/ML concepts and enthusiasm for generative AI Experience with Python and backend frameworks (e.g., FastAPI, Flask, Node.js) Knowledge of REST APIs and cloud platforms (AWS, Azure, GCP) Strong analytical skills and curiosity for exploring new AI capabilities Collaborative mindset and openness to feedback and mentorship Interest in prompt engineering, AI safety, and scalable deployment Why Join Us? At Mastercard, you’ll help shape the future of AI in global commerce—solving complex challenges at scale, driving financial inclusion, and reinforcing the trust and security that define our brand. You’ll work with world‑class talent, cutting‑edge technologies, and will make a lasting impact. 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. Mastercard benefits for interns generally include: 56 hours of Paid Sick and Safe Time; jury duty leave; and on‑site fitness facilities in some locations. Pay Ranges San Francisco, California: $187,000 - $318,000 USD Arlington, Virginia: $179,000 - $305,000 USD Purchase, New York: $179,000 - $305,000 USD #J-18808-Ljbffr