exo-is/governance-reporting-on-listed-companies huggingface dataset:
Keyword: tax
Tax practices 
At Mastercard, we recognize that paying tax 
is an important element of our commitment 
to ethical and responsible operations. 
Our approach to tax is guided by a set of key 
principles designed to foster trust between 
the company and its stakeholders and to 
ensure that Mastercard complies with all 
relevant tax laws, paying the appropriate 
amount of tax in each of the jurisdictions in 
which we operate. We have also 
implemented a robust tax control 
framework to ensure that these guiding 
principles are adhered to, and the 
organization engages only in transactions or 
tax planning that are aligned with our core 
principles. Our tax strategy applies to all 
wholly owned Mastercard entities and 
majority-owned Mastercard aff
Keyword: tax
Tax policies, strategies and risks are 
overseen by and reported regularly to 
Mastercard’s Audit Committee. The 
Executive Vice President for Tax meets with 
the Audit Committee formally at least once 
a year to discuss tax issues that are relevant 
to the worldwide group, including details of 
relevant global tax developments, tax 
audits, tax controversy and other relevant 
topics. For more information on our 
approach to tax, refer to our global tax 
principles.
Keyword: tax
Total tax paid 
2023 10-K 
Statement from senior decision-maker 
CEO Letter 
Key impacts, risks and opportunities 
2023 10-K 
Stakeholder engagement, including memberships 
2023 Proxy Statement 
Reporting practice 
Entities included in the consolidated financial statements 
2023 10-K 
List of material topics 
ESG Materiality 
Reporting cycle 
Annual; The report covers the 2023 fiscal year, spanning Jan. 1 to Dec. 31, 2023. In some cases, we include data and information about programs and activities relevant to our corporate 
sustainability key areas of impact that occurred in the 2024 fiscal year, as noted. 
Contact point for questions regarding report 
sustainability@mastercard.com 
Claims of reporting in accordance with the GRI Standards 
This rep
Keyword: tax
Global  Tax Principles 
Supplemental  Code  of  Ethics for the  CEO and  Senior  Officers 
Supplier  Code  of  Conduct 
Anti-Piracy  Policy 
Environmental  Statement 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
  
 
 
 
 
  
 
 
 
 
 
 
 
 
 
  
 
 
 
 
  
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
1 0 5 
MASTERCARD 2023 ESG REPORT 
INTRODUCTION 
ENVIRONMENT 
OUR PEOPLE 
SUPPLIERS 
CUSTOMERS 
COMMUNITIES 
GOVERNANCE 
DATA TABLES 
APPENDIX  
GRI STANDARD 
DISCLOSURE 
GRI 2: General 
Disclosures 2021 
2-24 Embedding policy commitments 
Introduction  —  Our  ESG  strategy;  Communities —  Human  rights;  Governance  — Ethics and compliance 
Corporate  Governance  Guidelines 
Code  of Conduct 
Supplemental  Cod
Keyword: tax
Global Tax Principles 
Supplemental Code of Ethics for the CEO and Senior Officers 
Supplier Code of Conduct 
Anti-Piracy Policy 
GRI 201: Economic 
Performance 2016 
201-1 Direct economic value generated 
and distributed 
Communities — Community giving and volunteerism; Data table — Social, pages 78-84 
2023 Form 10-K: pages 6-7; 47-55; 82-83 
2023 Proxy Statement 
2023 Sustainability Bond Report 
201-2 Financial implications and other risks 
and opportunities due to climate change 
Environment — Climate resilience 
2023 CDP Climate Change Questionnaire response 
201-3 Defined benefit plan obligations and 
other retirement plans 
2023 Form 10-K 
GRI 205: Anti-
corruption 2016 
205-1 Operations assessed for risks related 
to corruption 
Governance —
Keyword: tax
GRI 207: Tax 2019 
207-1 Approach to tax 
Governance — Tax practices 
Global Tax Principles 
207-2 Tax governance, control, and 
risk management 
Governance — Tax practices 
Global Tax Principles 
207-3 Stakeholder engagement and 
management of concerns related to tax 
Governance — Tax practices 
Global Tax Principles 
207-4 Country-by-country reporting 
Governance — Tax practices 
Global Tax Principles 
GRI 302: 
Energy 2016 
302-1 Energy consumption within 
the organization 
2023 CDP Climate Change Questionnaire response 
Environment — Operational environmental footprint 
Data table — Environmental, pages 76-77 
GRI 303: Water and 
Effluents 2018 
303-5 Water consumption 
2023 CDP Climate Change Questionnaire response 
GRI 305: 
Emissions 2016 
305-1
Keyword: governance
Governance Report 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2 
MASTERCARD 2023 ESG REPORT 
INTRODUCTION 
ENVIRONMENT 
OUR PEOPLE 
SUPPLIERS 
CUSTOMERS 
COMMUNITIES 
GOVERNANCE 
DATA TABLES 
APPENDIX 
INTRODUCTION 
CEO letter 
About Mastercard 
 
Our ESG strategy 
Our ESG governance 
 
 
Stakeholder engagement 
ESG materiality 
Recognition 
Environment 
ENVIRONMENT 
Operational 
environmental 
footprint 
Climate resilience 
Environmentally 
focused solutions 
 
 
Social 
OUR PEOPLE 
Culture 
Talent attraction 
 
Equity and inclusion in
 
 
  
the workplace 
 
Talent development 
Rewards, benefits and 
well-being 
Workplace experience 
SUPPLIERS 
Responsible sourcing 
CUSTOMERS 
Use of our network
Keyword: governance
Governance 
GOVERNANCE 
Ethics and compliance 
Policy engagement 
 
and political activity 
 
 
DATA TABLES 
General 
Environmental 
Social 
Governance 
APPENDIX 
About this report 
Assurance letters 
Sustainable  
Development Goals 
 
SASB index 
GRI index 
 
TCFD index 
 
Mastercard's ESG disclosures:  
Forward-looking statements and other disclaimers are available on page 87 of this report.  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
3 
MASTERCARD 2023 ESG REPORT 
INTRODUCTION 
ENVIRONMENT 
OUR PEOPLE 
SUPPLIERS 
CUSTOMERS 
COMMUNITIES 
GOVERNANCE 
DATA TABLES 
APPENDIX 
Introduction  
For us, doing well by doing good 
means we drive long-term value for 
our stockholders by empowering 
people to reach th
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
Aspiration by itself does not become a reality. It takes a plan, passion and commitment.  
Our company’s aspiration is to 
power economies and empower 
people, building a sustainable 
economy where everyone 
prospers. Every day, our 
dedicated teams around the 
world are focused on addressing 
real needs and building toward 
this goal. They bring their 
creativity, their knowledge and 
their unique perspectives to 
drive innovation and our 
business in meaningful ways. 
Our network connects billions of people and 
businesses to the digital economy – from 
multinational corporations to small mom-
and-pop shops in the Global South. Our 
services help businesses build loyalty, make 
smarter decisions and deliver the se
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
 
 
  
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
  
 
 
 
 
 
  
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
Our ESG strategy  
At Mastercard, we’re powering 
economies and empowering people, 
building a sustainable economy where 
everyone prospers. Environmental, 
social and governance (ESG) 
matters are core to our business 
strategy and are fundamental for 
driving long-term value for our 
stockholders. We leverage 
our employees, technology
Keyword: governance
governance principles. 
People  
Empowering people to reach their  
full potential  
We are creating an inclusive  
workplace where everyone has  
an opportunity to succeed,  
enabled by a culture of inclusion  
and belonging and reflective of  
the diverse communities  
we serve.  
Prosperity  
Fostering prosperity around  
the world  
We are focused on
 
 
 
   
helping everyone participate
 
 
   
equitably in the digital
 
 
 
   
economy, connecting people to
 
 
 
   
the tools and resources that
 
 
 
 
   
can help them chart pathways
 
 
 
 
   
to prosperity for their families,
 
 
 
 
   
communities and beyond.
 
 
   
Planet  
Preserving the planet for  
future generations  
We are driving our business  
toward net zero emissions and  
a
Keyword: governance
Governance principles  
Securing trust  
We are committed to a culture of ethics and compliance that is grounded in honesty, decency, trust and personal  
accountability, and we are committed to adhering to the highest standards in protection and use of data.  
Our ESG goals and progress
 
7
MASTERCARD 2023 ESG REPORT
INTRODUCTION
ENVIRONMENT
OUR PEOPLE
SUPPLIERS
CUSTOMERS
COMMUNITIES
GOVERNANCE
DATA TABLES
APPENDIX
To further our ESG 
strategy and drive 
impact, we have set 
ambitious goals 
focused on People, 
Prosperity and Planet, 
including achievable 
steps toward our 
long-term vision of a 
sustainable economy 
where everyone 
prospers.
GOAL
PROGRESS
People
Equity and inclusion in 
the workplace
Close the gap between female and male global med
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
Our ESG 
governance 
Sustainability at Mastercard is 
driven from the top by our Board 
of Directors and CEO and is 
embedded at every level of our 
organization. 
Embedding ESG in 
executive and employee 
compensation 
To help further align our actions 
with our ESG goals, and to help 
ensure that all Mastercard 
employees share in the 
responsibility to uphold these 
goals, we link our annual 
incentive programs for executives 
and employees to ESG 
performance measures, including 
quantitative objectives for 
financial inclusion, gender pay 
equity and greenhouse gas 
emissions reductions. 
BOARD OF DIRECTORS  
The Board oversees our ESG strategy as well as discrete sustainability matters like cybersecurity and t
Keyword: governance
Corporate Governance
Committee 
Oversees significant ESG 
activities, policies and 
programs including: 
•  Corporate responsibility  
• Environmental  
stewardship  
•  Human rights 
•  Public policy activities 
Audit 
Committee 
Oversees financial and 
operational risk exposures, 
and compliance with legal 
and regulatory 
requirements and 
disclosures, including: 
•  Tax practices 
•  Compliance with Code 
of Conduct 
Risk 
Committee 
In coordination with Audit 
Committee, oversees risk 
assessment and risk 
management, including: 
•  Enterprise risk 
management 
•  Privacy, data 
responsibility and 
information security 
Human Resources 
and Compensation
Committee 
Reviews people and culture 
strategy, including: 
•  DEI initiatives 
•  Compensation and be
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
Application of our enterprise risk management framework for ESG  
Effective risk management and oversight 
are essential to the success of our business 
strategy and continue to be an important 
element of our ESG strategy. Mastercard’s 
Enterprise Risk Management (ERM) 
program seeks to ensure risks to the 
business are identified, escalated 
and managed. 
To foster organizational resilience and 
commercial success, we take a disciplined 
and consistent approach to risk 
management responding to new, existing 
and emerging risks, such as changing market 
trends, external events and the global 
regulatory environment. ERM works with 
the business to help ensure adequate 
identification, escalation and management 
of
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Stakeholder engagement 
At Mastercard, we regularly engage with our stakeholders on a wide range of topics. Everyday, across the globe, we interact with a variety of stakeholders in both structured and ad hoc ways. This 
engagement is an essential part of how we shape our ESG strategy and deliver on being a responsible business. Through open and ongoing dialogue with our stakeholders, we gain insight into their 
interests and perspectives, which helps inform our ESG strategy and efforts to drive positive, lasting impact. Throughout the year, we proactively engage with a wide range of stakeholders, including: 
STAKEHOLDER GROUP 
Our people
 
  
Employees of Mastercard  
Why we engage: 
Our people are our greatest as
Keyword: governance
social and governance topics that we believe 
are of greatest importance to our business 
and to our stakeholders across our value 
chain. We do this by conducting ESG 
materiality1 assessments which are informed 
by our key stakeholders. Assessing these 
topics enables us to prioritize and focus on 
the most material topics and effectively 
address them through our policies 
and programs. 
We completed an ESG materiality assessment in 2020, which 
is the basis of our current ESG strategy, including our priority 
topics. In 2023, we completed an initial double materiality 
assessment to identify a list of material ESG topics from the 
perspective of financial materiality (financial risks and/or 
opportunities to our business) as well as impact materiality 
(Mas
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
The topics included in this report are relevant to our stakeholders and are informed by our most recent materiality assessment: 
Environment 
• Climate resilience 
• Environmentally focused solutions 
• Operational environmental 
footprint 
Social 
• Community giving and volunteerism 
• Financial inclusion 
• Human rights 
• Inclusive product design 
• Privacy, data responsibility and 
security 
• Responsible sourcing 
• Culture; talent attraction and 
development; equity and inclusion in 
the workplace; rewards, benefits, 
and employee well-being; 
workplace experience 
• Use of our network 
Governance 
• Ethics and compliance 
• Policy engagement and 
political activity 
1 
In this report, our use of the terms “ma
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
MSCI. The use by Mastercard of any MSCI ESG Research LLC or its affiliates ("MSCI") data, and the use of MSCI logos, trademarks, service marks or index names herein, do not constitute a sponsorship, endorsement, recommendation, or promotion of Mastercard by MSCI. MSCI services and data are the property of MSCI or its information 
providers, and are provided 'as-is' and without warranty. MSCI names and logos are trademarks or service marks of MSCI. 
FTSE Russell. FTSE Russell (the trading name of FTSE International Limited and Frank Russell Company) confirms that Mastercard has been independently assessed according to the FTSE4Good criteria, and has satisfied the requirements to become a constituent of the FTSE4Good
Keyword: governance
Created by the global index provider FTSE Russell, the FTSE4Good Index Series is designed to measure the performance of companies that demonstrate strong Environmental, Social and Governance (ESG) practices. The FTSE4Good indices are used by a wide variety of market participants to create 
and assess responsible investment funds and other products. 
1 3 
MASTERCARD 2023 ESG REPORT 
INTRODUCTION 
ENVIRONMENT 
OUR PEOPLE 
SUPPLIERS 
CUSTOMERS 
COMMUNITIES 
GOVERNANCE 
DATA TABLES 
APPENDIX 
Environment 
Environment 
At Mastercard, we are reducing 
emissions and resource use in 
our own operations and seeking 
to do so across our supply chain, 
and we offer innovative 
solutions that help our 
customers and consumers do 
the same. These activities 
strengthen our business, create 
long-term value and help 
protect our planet. 
Our approach to managing environmental 
issues, including climate change, water and 
waste across our va
Keyword: governance
Governance Committee and reviewed by our 
full Board of Directors. 
Our work to reduce GHG emissions — 78% 
of which flow from our supply chain — and 
management of other resources is led by the 
EVP of Financial Operations, who reports to 
the Chief Financial Officer. 
Our climate resilience efforts, including 
climate scenario analysis and physical risk 
resilience are also led by the EVP of 
Financial Operations. 
Responsibility for environmentally focused 
products and services that help our 
customers and consumers cuts across our 
Product & Engineering, Data & Services, 
Cyber & Intelligence and Mastercard 
Strategic Growth business units. 
1 4 
MASTERCARD 2023 ESG REPORT 
INTRODUCTION 
ENVIRONMENT 
OUR PEOPLE 
SUPPLIERS 
CUSTOMERS 
COMMUNITIES
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
100% 
renewable energy used for 
our operations 
37% 
of our top suppliers have 
committed to science-based 
targets1 
17 million 
trees funded for restoration 
through our Priceless 
Planet Coalition 
toward our goal of 100 million trees 
1     As a percentage of suppliers who were invited and provided a full 
response through CDP 
Operational environmental footprint 
Mastercard’s commitment to 
environmental sustainability 
begins with decarbonization of our 
operations and across our supply 
chain. We aim to reduce overall 
greenhouse gas (GHG) emissions 
and work with our suppliers and 
employees to do the same. 
Greenhouse gas 
emissions reduction 
Climate change is one of the most pressing 
issues facing our s
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
Total emissions, 2016–2023 MTCO2e 
849,277 
490,706 
495,962 
503,012 
366,143 
494,564 
94,728 
64,917 
52,859 
52,141 
52,538 
48,974 
4,486 
6,587 
4,828 
4,758 
3,221 
5,164 
2016 
2017 
2018 
2019 
2020 
2021 
2022 
948,491 
562,210 
553,649 
559,911 
421,902 
548,702 
562,583 
4,769 
506,581 
51,233 
●
Scope 1 
●
Scope 2 
●
Scope 3 
3,556 
505,491 
48,498 
2023 
557,545 
 
 
 
 
 
 
  
 
  
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
  
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
1 6 
MASTERCARD 2023 ESG REPORT 
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ENVIRONMEN
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Our interim targets to reduce absolute 
Scope 1 and Scope 2 GHG emissions by 38% 
and absolute Scope 3 GHG emissions by 
20% by 2025, compared to 2016, have been 
approved by SBTi. Mastercard remains on 
target to achieve the short-term milestones 
in 2025, reaching a reduction of 48% and 
40%, respectively, in 2023. 
Since 2020, Mastercard's global operations 
(Scope 1 and 2) have been carbon neutral, 
achieved through ongoing decarbonization 
efforts, energy efficiency, generation or 
purchase of 100% renewable electricity and 
purchase of carbon credits to address 
residual emissions. 
We employ high-integrity carbon credits, 
verified to recognized standards, and only in 
conjunction with real reductions in car
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
This decrease in emissions is primarily driven 
by several key factors, including: increase in 
renewable energy production, decrease in 
energy usage from capital projects and 
decrease in U.S. Environmental Protection 
Agency (EPA) eGrid emission factors. 
Our suppliers (Scope 3, Categories 1, 2 and 
 
 
  
   
 
4) account for 
 
 
 78% of our GHG emissions, 
 
 
 
 
 
and their efforts to reduce emissions are key 
 
 
 
 
 
 
 
 
to our emissions reduction efforts. In 2023, 
 
 
 
 
  
 
our supply chain produced 
 
 
 
 437,588  MTCO2e, 
which is a 
   3% decrease compared to 2022. 
 
 
 
 
 
Other  Scope 3 categories including fuel-
  
 
 
 and  
energy-related activities, employee 
 
 
 
commuting and busine
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Energy efficiency 
Energy efficiency is a key strategy to 
achieving our Net Zero target. Mastercard 
has committed to this strategy in our built 
environment, investing in capital projects 
specifically chosen to improve our buildings' 
energy efficiency, including high efficiency 
mechanical and electrical systems. 
In 2023, we made energy efficiency 
improvements at our global headquarters in 
Purchase, New York, by installing a new 
window system: an insulated glass unit 
assembly that was added to the single-pane 
windows of the building’s exterior. We 
expect the upgrade to reduce our natural 
gas heating consumption by 50% and 
electricity consumption by 6% annually 
starting 2024, while insulating the 
work
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Renewable energy 
In 2023, for the seventh consecutive year, 
Mastercard generated or purchased 100% 
renewable energy for our operations. We 
have been a member of RE100 since 2020. 
Additionally, we have reduced our 
percentage of unbundled renewable-energy 
credits (RECs) and increased longer-term 
sources of renewable energy. 
We have a three-step approach to 
renewable energy: 
•  The first, and most important, is 
investing in on-site renewable energy. We 
have installed 5.55 MW of solar at our 
facilities with plans to expand 
•  The second step involves investing in new, 
long-term renewable energy projects 
such as power purchase agreements 
(PPA) and green tariffs. These 
investments improve local utility
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Partnering with suppliers to reduce 
our Scope 3 emissions 
Our supply chain emissions account for 78% 
of Mastercard's total global emissions which 
includes roughly 250 suppliers that account 
for around 85% of those emissions in 2022. 
In order to reduce our supply chain 
emissions, we actively engage suppliers 
around a four-stage model that encourages 
suppliers to: 
•  Disclose their emissions footprint by 
reporting and allocating annual emissions 
(i.e., CDP Climate Change Questionnaire) 
•  Leverage educational resources, both 
Mastercard and external, to aid suppliers 
in advancing their environmental 
management practices and performance 
•  Evaluate and align on key performance 
indicators, including se
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Resources 
We recognize the importance of respecting 
the world's shared resources and natural 
environment. We take steps to minimize our 
waste and manage our water 
usage responsibly. 
Waste reduction 
Mastercard generates waste through the 
operations of our offices globally, but we do 
not produce physical goods in our business 
operations. Issuance of physical cards is 
generally the responsibility of the issuer; 
however, Mastercard provides options to 
issuers and establishes standards for cards 
issued using the Mastercard network (learn 
more here about our sustainable card and 
card recycling efforts). We continue efforts 
to eliminate waste in our operations to 
reach a high percentage of waste diverted
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX 
Climate resilience 
The climate is changing, and 
society is facing significant 
impacts as a result. 
Communities are already 
navigating the consequences of 
extreme weather events — they 
are no longer simply a forecast 
of the future. Mastercard 
recognizes the importance of 
acting this decade to adapt to 
these impacts, and we are 
taking steps to operationalize 
climate risk and resilience across 
our organization. 
Integrated climate
resilience 
Our climate resilience strategy is centered 
on continuous monitoring of the long-term 
impacts of a changing climate on our 
business, society and the environment. 
Through comprehensive risk management, 
including scenario analysis, this process is 
designed to pro
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
importance of identifying climate risks and 
improving resilience at these critical locations, 
and we regularly assess climatic risks, evaluate 
mitigating strategies and apply broader 
industry perspective to improve our resilience. 
Additionally, we assess the impact of 
climate change to our supply chain. We 
review our hardware storage providers on a 
regular basis against projected climate perils 
and actively engage with them to evaluate 
their resiliency measures. 
Beyond the built 
environment 
Beyond our physical assets and operations, 
we understand that climate-related physical 
vulnerabilities have the potential to disrupt 
technical capabilities, service delivery, 
customer service, and employee safet
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Environmentally focused solutions  
Tackling global climate change 
requires collective action. At 
Mastercard, we're committed 
to activating the power of our 
networks — of businesses, of 
expert organizations and of 
individual consumers — to drive 
collective action in the fight 
against climate change. We are 
creating innovative solutions 
and initiatives that inspire, 
inform and enable action to 
build a sustainable and 
inclusive future. 
INSPIRE
Sustainable  
choices and 
 
 
purchase 
decisions 
INFORM 
Consumers of 
 
 
the carbon 
 
 
emissions of 
 
 
goods and
 
 
services  
purchased 
ENABLE
Lower carbon 
 
 
emission  
outcomes  
through our 
 
 
payment 
solutions 
Solutions to support 
sustainabl
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Enabling frictionless
 
   
sustainable solutions
 
  
Ongoing, rapid urbanization calls for 
sustainable and affordable solutions. We 
are leveraging our solutions to make the 
sustainable choice the easy and most 
accessible choice, and this extends to our 
work in urban mobility. 
Whether taking a train, bus, bike, scooter, 
taxi, ride-hail or driving, riders are moving 
about urban environments in more diverse 
ways than ever. At Mastercard, we are 
working to make rider journeys simpler, 
quicker and more efficient. We partner with 
urban mobility operators and technology 
companies to make it easier to drive 
increased ridership and move riders to more 
sustainable forms of travel. 
By allowing riders to simp
Keyword: governance
GOVERNANCE 
DATA TABLES 
 
APPENDIX  
Priceless Planet  
Coalition  
Through our Priceless Planet Coalition, we are 
collaborating with individuals, businesses and corporate 
partners to help address climate change by funding the 
restoration of 100 million trees. 
Since launching the Priceless Planet Coalition in 2020, 
we have engaged more than 150 corporate partners 
globally to support forest restoration projects that seek 
to mitigate global GHG emissions, promote biodiversity 
and benefit the communities that live in or near 
reforested landscapes. 
The Priceless Planet Coalition employs a forest 
restoration model dedicated to regrowing forests in 
locations that represent a heightened global need. We 
partner with Conservation International a
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Solutions to reduce 
plastic waste 
Today’s payment card is the result of 
decades of innovation and collaboration 
across the industry, but one element has 
largely remained the same — the plastic 
itself. Of the billions of cards in circulation 
today, most are made from first-use plastics 
that will not break down and decompose, 
and they can be difficult to recycle because 
of the metals and other materials 
embedded within. 
To combat this, it will take a collective 
effort. That’s been our mantra as we pursue 
ways to reduce our impact on the 
environment, including our recent decision to 
require the use of more sustainable 
materials in all new payment cards starting 
in 2028, and our work to propel the sec
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Our people  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2 9 
MASTERCARD 2023 ESG REPORT 
INTRODUCTION 
ENVIRONMENT 
OUR PEOPLE 
SUPPLIERS 
CUSTOMERS 
COMMUNITIES 
GOVERNANCE 
DATA TABLES 
APPENDIX  
 
Our people 
 
At Mastercard, our people are 
our greates
Keyword: governance
and monitoring governance trends in areas 
such as human rights. 
Our People and Capability team supports 
our overall people strategy and is led by the 
Chief People Officer, who reports to the 
Chief Administrative Officer. 
For data on our workforce, see the Our 
People section of our Data Tables. 
#1  
in Fair360's 2023 list of 
 
 
 
 
 
Top 50 Companies for
 
 
 
 
Diversity 
4.3 
Glassdoor  satisfaction  
rating 
vs. an o
 
 verall average rating acro
 
 
 
ss  industries  of 3.7 in 2023 
 
 
 
Over  90%  would  
recommend  Mastercard  as  
a  good  place  to  work 
Based o
 n res
 
pondents  to  2023 Mas
 
tercard emplo
 
yee 
experience s urvey
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Culture 
We define our culture as the 
Mastercard Way, and it 
fuels our vision and 
strategic priorities. 
Our Mastercard Way principles — “create 
value,” “grow together” and “move fast” — 
address where we’re going as an 
organization, how we work together and 
how we deliver for our customers and each 
other. Each of these principles has a set of 
underpinning behaviors that everyone in the 
company is expected to demonstrate. 
At Mastercard, we hold ourselves 
accountable for both “what we do” and 
“how we do it” through performance and 
development processes that incorporate the 
Mastercard Way behaviors. This includes 
objective setting, talent assessments and 
compensation decisions. To hone skills and 
clo
Keyword: governance
GOVERNANCE 
DATA TABLES 
APPENDIX  
Talent attraction  
We aim to attract and retain 
the best talent while ensuring 
we have the right people with 
the right skills in the right 
markets to execute our 
business strategy. 
In 2023, our employee headcount grew to 
33,400, a 12% increase compared to 2022. 
Our voluntary workforce turnover (rolling 
12-month attrition) was 4%, which was a 
6% decrease from 2022. 
Always-on talent 
acquisition 
The talent market continued to 
be competitive in 2023, especially for 
technology and engineering talent. Against 
this backdrop, we continued to rely on a 
variety of sources to attract talent, 
including leveraging the strength of our 
brand and employing an always-on 
recruitment model. This helps us prioriti
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Equity and inclusion in the workplace  
We aim to create a world where 
opportunity is available to 
everyone, everywhere. 
An inclusive environment makes us more 
adaptable, more innovative and more 
creative, strengthening our ability to deliver 
the most relevant, innovative and trusted 
products and services. It unlocks the full 
potential of our employees, customers, 
partners and communities. 
We believe this work not only has a 
meaningful impact on our business, but is 
the right thing to do. Mastercard is guided 
by our commitment to decency, which 
permeates everything we do. We respect 
the rights of all people and have no 
tolerance for hate, discrimination or any 
form of hostility towards others. We s
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Key initiatives  
and programs  
Mastercard has initiatives and programs 
focused on communities who historically 
have been marginalized or whose 
perspectives are often missing from 
leadership tables. These programs and 
initiatives focus on actions to support our 
employees, as well as suppliers, customers 
and society at large. 
Gender balance 
Mastercard is focused on increasing female 
representation at all levels of the 
organization by expanding opportunities for 
female employees to advance their careers. 
For example, our women's mentoring 
program provides facilitated mentor 
matching, curated conversation starters and 
regular events for mentors and mentees 
across the company. 
In 2023, women at Maste
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Disability and accessibility 
Accessibility is an important part of our 
work to open doors, enable equal 
opportunities and empower people. We 
strive to invest in technology and resources 
that help ensure our workspaces are 
accessible to everyone. Mastercard is 
committed to providing reasonable 
accommodations to applicants and 
employees with disabilities who request 
them so they can perform the essential 
functions of their jobs and access equal 
employment opportunities. 
In 2023, we hired our first head of 
Accessibility and Inclusive Design to 
formalize and scale our accessibility 
strategy. The role focuses on further 
integrating accessibility into all of 
Mastercard's activities, from employee 
exper
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Talent development  
Developing talent and enabling 
skills movement within and 
across teams are ways 
Mastercard positions our 
company to successfully 
compete in a fast-paced digital 
environment, respond to 
changing market dynamics and 
retain high-caliber talent. 
We empower people to own their careers by 
making learning experiences and 
development opportunities available to 
everyone. Our programs allow for 
continuous growth, unlock employee 
potential and position us to deliver on 
priorities with speed and at scale. 
We implement robust succession planning 
for leadership and critical roles across the 
company, along with mentorship programs 
and aligned development plans. 
Learning programs 
Mastercar
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FEATURED STORY 
Code green: Why this tech recruiter 
tackled a hackathon and what 
she learned 
Technology recruiter Fakhera Ravji is one 
of many Mastercard employees who 
stepped outside their comfort zone to 
take part in Discovery Days, Mastercard 
Cyber & Intelligence Solutions' month-
long innovation event that asked 
participants to apply what they learn 
from a series of product presentations 
and knowledge-sharing sessions. 
Learn more at the Mastercard 
Newsroom 
Rewards, benefits and well-being 
Mastercard's rewards, benefits 
and employment policies are 
designed to support and retain 
our diverse and inclusive 
workforce at every stage of 
their life journeys, while making 
the company competitive in 
g
Keyword: governance
ESG governance section of this report. 
Benefits 
At Mastercard we believe that taking care 
of our employees’ well-being is critical to 
their professional and personal success. We 
invest globally in programs and practices 
that support individuals with their well-
being. We provide resources for mental, 
physical, financial and social well-being to 
help our employees be at their best and 
achieve personal growth. 
Well-being programs and services 
Our well-being programs and services help 
improve employees’ daily work habits and 
routines and help them maintain a 
successful work-life integration. Through our 
partnerships, we provide employees with 
online resources, services, and individual 
and/or team challenges to support healthy 
lifestyle hab
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These services also support mental well-
being, guiding employees through 
awareness to action plans. Additionally, our 
Employee and Family Resource Program 
offers no-cost counseling, 24/7 access to 
licensed clinicians, digital tools and resources 
for Mastercard employees and their 
family members. 
To help ensure a continual focus on the well-
being of employees, we have dedicated 
resources in our People and Capability team 
who focus on designing impactful programs 
and policies to support the diverse needs of 
our employees. 
We have also expanded our Mental Health 
Champions training certification program to 
employees globally to raise awareness, 
support and reduce stigma about mental 
health in the workp
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Overview of benefits offered to full-time, permanent employees (offerings will vary by country) 
Healthcare, 
life and 
disability 
benefits 
• Medical coverage
• Life insurance 
• Accidental death and dismemberment (AD&D) coverage
• Emergency travel assistance 
Additional offerings in some countries: 
• Drug/pharmaceutical, telemedicine, dental, vision 
• Financial support for adoption, surrogacy and fertility treatments not covered by employee’s medical insurance 
• Health savings and flexible spending accounts 
Retirement 
and financial 
assistance 
• Matching retirement savings plan contributions (10% of base pay each year)
• Financial planning resources/tools
• Employee assistance fund for catastrophic events a
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Community engagement 
opportunities 
Mastercard offers an array of volunteer 
programs that provide opportunities for 
employees to give back to their communities 
while also building leadership and 
professional skills. We find that such 
volunteer opportunities instill pride in our 
employees and advance our purpose-driven 
culture. We consider these opportunities 
a part of our talent acquisition and 
retention strategy. 
We offer our employees five paid volunteer 
days to make a difference in a way 
meaningful to them. In addition, employees 
who volunteered more than 40 hours in 
2023 were eligible to participate in our 
Volunteer Incentive program, which provided 
up to $500 grants to an eligible charity of 
t
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4 1 
MASTERCARD 2023 ESG REPORT 
INTRODUCTION 
ENVIRONMENT 
OUR PEOPLE 
SUPPLIERS 
CUSTOMERS 
COMMUNITIES 
GOVERNANCE 
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APPENDIX  
Suppliers  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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ENVIRONMENT 
OUR PEOPLE 
SUPPLIERS 
CUSTOMERS 
COMMUNITIES 
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APPENDIX  
Suppliers 
At Mastercard, we are 
committed to advancing equity 
and inclusion and
Keyword: governance
governance topics. 
We believe that to address the diverse 
needs of a global marketplace, we must 
ensure the demographics of our suppliers 
reflect those of our customers and 
consumers. We also expect our suppliers to 
share our commitment to respecting and 
promoting human rights, and identifying and 
addressing human rights abuses. 
Our diversity, equity and inclusion initiatives  
are overseen by the Human Resources and  
Compensation Committee and our human  
rights policy is overseen by the Nominating 
and Corporate Governance Committee. 
Our sourcing and supplier management 
team is led by our Executive Vice President 
of Financial Operations, who reports to the 
Chief Financial Officer. This team and our 
Environmental Sustainability team w
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Responsible sourcing  
Supplier diversity 
We aim to create an inclusive and 
sustainable supply base that reflects the 
diversity of our marketplace, strengthens 
our communities and creates lasting value 
for Mastercard and our partners. 
Our supplier diversity program fosters the 
inclusion of diverse suppliers, such as 
businesses owned by minorities, women, 
veterans, LGBTQ+ individuals and people 
with disabilities, in our procurement 
activities. This helps us create business 
opportunities that support the overall 
economy through jobs, wages and taxes, as 
well as promote community development. 
We encourage our direct suppliers, also 
known as Tier 1 suppliers, to establish their 
own diverse supply chain
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Customers  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
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CUSTOMERS 
COMMUNITIES 
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Customers 
At Mastercard, we connect 
consumers, financial 
institutions, merchants, 
governments, digital partners,
Keyword: governance
pertaining to security governance and data 
privacy. These executives include our Chief 
Security Officer, Chief Privacy and Data 
Responsibility Officer, Chief Data Officer 
and Data Protection Officer. 
143.2 billion 
switched transactions 
processed in 2023 
$20 billion 
in fraud losses stopped
in 2023 
due  to  AI-powered  cybersecurity  solutions 
$7 billion 
invested in cybersecurity in
the past 5 years1 
1 
Investment amo
 
unt in
 
clusive  of  operating e
 xpense, acquisitio
 
n  
costs an
 
d te
 
chnology spe
 
nd.
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Use of our network  
Mastercard creates a common, 
consistent experience for 
payments in different sectors 
and geographies by setting 
standards and rules for all 
participants in our global 
payments network, ensuring 
interoperability among them 
while balancing risk and value 
across all stakeholders. 
Through our franchise model, we work to 
ensure a balanced payments ecosystem 
where all participants may benefit by 
maintaining the ability to differentiate 
themselves from their competition. 
We create trust and enable scale through 
standards, rules, governance and issue 
resolution. Their successful application leads 
to further growth opportunities in adjacent 
businesses and results in four key benefits
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We have a deep respect for the rights of 
individuals to transact with others so long 
as such transactions are lawful. We hold all 
participants in our payments network to 
high standards, including: 
•  Requiring they follow the laws of any 
geographic area in which they operate 
and connect to our network. If we 
identify or are alerted to potential 
violations, we quickly investigate and 
take appropriate remedial action with 
the acquiring and issuing banks. We levy 
financial penalties and suspend or 
terminate the licenses of customers 
based on specific incidents. Generally, 
our goal is to work with acquirers and 
issuers to improve compliance with our 
rules. This process includes sharing 
guidance on how
Keyword: governance
strengthen the governance around our 
payments network and the broader 
payments ecosystem. For example, we 
continue to engage with lawmakers, law 
enforcement and other groups to 
understand the broader environment in 
which we operate, including any 
developments in the definition 
of lawful purchases. 
Our work with and membership in industry 
groups is key for allowing us to learn from 
others’ experiences and share our own best 
practices. These relationships span a wide 
range of organizations and geographies, 
including the Internet Watch Foundation, 
the National Center for Missing and 
Exploited Children, the International Centre 
for Missing and Exploited Children, the 
International Anti-Counterfeiting Coalition, 
the Center for Safe Internet Pharmacies
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Privacy, data responsibility and security  
In 2023, consumers relied on the 
Mastercard network to 
transmit 143.2 billion 
transactions. Our reputation is 
built on their trust and on the 
technology and data that 
power these transactions. As 
the digital world and digital 
payments evolve, we have 
committed ourselves to high 
standards in privacy, data 
responsibility and cybersecurity 
to stay one step ahead. 
We employ a set of rigorous standards to 
ensure the protection, safety and security of 
data within Mastercard, our partners and 
our vendors. At Mastercard, Privacy by 
Design, data responsibility and best-in-class 
technology and cybersecurity are at the 
heart of our trust strategy. 
Privacy and dat
Keyword: governance
governance  to 
ensure  proper 
controls  and  
oversight  over 
our  use  of  data  
and  technology 
Fairness 
Be  deliberate  in minimizing  
biases,  inaccuracies  and  
unintended  harms  in our use  
of  data  and  technology 
Inclusion 
Ensure  our use  of  data  and  technology  
fosters  inclusion and  equity 
Innovation 
Provide  innovative  
experiences,  products  
and services  that  
benefit  all our 
stakeholders 
Social impact 
 
Use  data  and  
technology to 
make  a positive  
impact on 
communities  and  
individuals  
around  the  world 
Privacy and se
 
 
curity 
Advance  and  uphold best-in-
class  security  and  privacy  
practices 
Data rights of individuals 
Mastercard believes that our data practices must be guided by t
Keyword: governance
more secure. By developing and implementing an AI Governance pr
 
 
 
 
 
 
 
 
 
ocess, we are able to ensure 
 
 
 
 
 
 
that our AI continues to be both beneficial to individuals and 
 
 
 
 
 
 
 
 
 
 
 society and aligned with our 
 
 
 
 
 
broader data and technology responsibility principles. 
 
 
 
 
 
4. We protect it 
We  believe  privacy must be 
 
 
 embedded in the 
  
 design of e
 
 very one 
 
 of our products 
 
 
 
and solutions and in e
 
 
  verything we 
 
 do.  Our cutting-edge product innovation process is 
 
 
 
 
  
centered on the individual and ensures the respect and protecti
 
 
 
 
 
 
 
 
 
on of their privacy and personal 
 
 
 
 
 
 
information from ideation to creation. The products and solutio
 
 
 
 
 
 
 
 
ns we develop embrace the 
 
 
 
 
 
concept of Priv
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Committed thought leadership 
 
 
Mastercard promotes responsible privacy and 
 
 
 
 
 
data practices, including externally validating 
 
 
 
 
 
its own practices 
 
 
External e ngagement. We actively engage 
 
 
 
 
with governments, industry and thought-
 
 
 
 
leadership organizations worldwide on novel 
 
 
 
 
 
and complex issues at the intersection of law, 
 
 
 
 
 
 
 
 
technology and society, including on trusted 
 
 
 
 
 
 
global data flows and on responsible AI. 
 
 
 
 
 
 
 
External validation of our practice
 
 
 
 
s. At least 
 
 
 
annually, Mastercard’s security, privacy and 
 
 
 
 
 
information practices are reviewed by U.S. 
 
 
 
 
 
 
financial regulators to ensure ongoing
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Data security 
and cybersecurity 
As a technology company in the global 
payments industry entrusted with the 
safeguarding of sensitive information, 
cybersecurity risk management is an 
integral part of our overall enterprise risk 
management program. A robust program to 
protect our network from cyber and 
information security threats is critical to 
managing risk effectively. Our network and 
platforms incorporate multiple layers of 
protection, providing greater resiliency and 
security protection. 
Our programs are assessed by third parties 
and incorporate benchmarking and other 
data from peer companies and consultants. 
We engage in many efforts to mitigate 
information security challenges, including 
main
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Continuous best practices 
security approach 
Mastercard works to actively identify, 
respond to and manage cyber and physical 
threats while reducing our risk profile and 
enabling our business partners to operate 
in any physical locality. 
Our security approach includes the following 
best practices: 
• 
 
 
 
 
 Our Security Operations Center supports 
our follow-the-sun security model, 
enabling 24/7/365 security monitoring 
and support across the entire sector and 
involving our entire team in incident 
response to minimize and/or mitigate 
threats to the Mastercard network. 
• Our Fusion Center serves as the central 
global hub for our ability to anticipate, 
identify and mitigate fraud, and cyber 
and physi
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Internationally, we work in close 
 
 
  
 
partnership with key 
 
 
 government  
partners, including the G7, G20 and the 
 
 
 
 
 
 
 
Dubai International Financial Centre. We 
 
 
 
 
 
also work and collaborate with law 
 
 
 
 
 
 
enforcement agencies around the globe, 
 
 
 
 
 
including Europol, INTERPOL and the 
 
 
 
 
 
U.S.  Secret Service, to support their 
 
 
 
 
 
investigative, prevention and 
 
 
 
intelligence-sharing efforts. We believe 
 
 
 
 
in the sharing of intelligence and best 
 
 
 
 
 
 
 
practices across the public and private 
 
 
 
 
 
 
sectors to drive detection, response and 
 
 
 
 
 
 
interoperability of cyber-defense 
 
 
 
practices, and are active members of the