Senior Software Engineer - Risk, Fraud and Disputes

As a Senior Software Engineer , you will help us scale the technology as our business continues to grow, while staying focused on shipping software that matters to our customers and their end consumers. You will innovate on various aspects of the platform used by our engineering organization to deliver high quality, highly scalable, and highly secure products to our customers.

Reporting to the Engineering Manager and working as part of the Risk Decisioning Engineering team, the Senior Software Engineer will be responsible for maintaining and enhancing Marqeta’s risk engine and decisioning systems, helping Marqeta customers control their risk. Marqeta provides payment authorization decisioning, cardholder data security, instant card issuing, in-app provisioning directly to digital wallets, and real-time funding with our exclusive Just-in-Time (JIT) funding.

At Marqeta, participation in a rotational on-call pager duty is a required part of the software engineering role. The specifics of the rotation may vary by team, depending on team size and structure, and will be discussed further during the interview process.

We work Flexible First . This role can be performed remotely anywhere within the United States. We’d love for you to join us!

Learn more about our Product and Engineering team

The Impact You'll Have

• Demonstrate experience leading the architecture, design and implementation for major complex distributed systems.
• Demonstrated experience / problems solved in the Fintech space.
• You are in the code. You build the engineering design and the scaffolding that junior and mid level engineers can take and do the in-fill.
• Simple and scalable - you thrive on creating simple elegant solutions that scale and reduce complexity, including removing code. Your solutions keep human toil / support to a minimum.
• Ownership and Proactivity - You lead from the front and own your system, including working with others. You have a passion for making your system better while leveraging the rest of the team to help them learn and grow.
• Excellent verbal and written communication - you must be able to articulately define an architecture including diagraming, while at the same time be able to present / debate with a diverse audience.
• Time management - you will be in demand. How you manage your time and ensure you can delegate / provide opportunities for growth for others vs. get involved where you have to is imperative.

Who You Are

Our (typical) process :

Compensation and Benefits

Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States :

Visit this page or consult with a Recruiter to determine which tier would be applicable to you.

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this position is :

We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company.

Along with monetary compensation, Marqeta offers

About Marqeta

Marqeta is on a mission to change the way money moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our card issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment operations in real time. Marqeta is powering the most well known brands in the new economy (Block, Cash App, Affirm, Instacart, Doordash, Uber, Walmart, etc). You don’t need to be a Payments expert to join the Marqeta Team, let us help you with that.  This is the opportunity of a lifetime to work with innovators around the world and unlock equitable financial access for all.

Marqeta’s Values

– Solve for the Customer : With a deep understanding of our customers' business and empathy for their needs, we deliver products and services that drive their success. Earning and keeping their trust guides everything we do.

– Do What's Right : Knowing businesses and livelihoods depend on us, we pursue solutions that disrupt responsibly and deliver high-quality results that our customers count on. We own our work from start to finish.

– Simplify and Innovate : We approach challenges with curiosity and take smart risks. Innovation comes from finding better, simpler ways to achieve extraordinary outcomes.

– Win as a Team : We succeed together by embracing diverse perspectives and pushing each other to raise the bar. We lead with humility and set aside hierarchy to work as a team.

– Make it Count : We drive forward with focus and agility. With a sense of urgency and purpose, we get the job done, and done right.

Equal Employment Opportunity, Accommodations and Privacy

Marqeta is proud to be an equal opportunity employer that gives consideration to all qualified applicants regardless of race, ancestry, national  origin, color, Indigenous, citizenship, religion / creed, sex, sexual orientation, gender identity, gender expression marital status, family status, disability, veteran status, criminal histories consistent with legal requirements, or any other characteristic protected by applicable law.

Our dedication to diversity and inclusion extends beyond the categories above. Review Marqeta’s ESG Report to see that dedication in action. Fostering an environment where everyone feels valued and respected creates a stronger and more innovative team at Marqeta. We celebrate the unique contributions of each individual and empower all members of our organization. Join us in building a company where diversity thrives and everyone can be their authentic selves.

If you require reasonable accommodation for the application process and beyond (including due to a disability), please submit this form and we will be more than happy to assist you. Marqeta will make reasonable accommodations for candidates when needed in accordance with applicable law. The Applicant and Candidate Privacy Notice applies to the personal data that you directly provide to us or that we collect during the application and candidate recruitment process.