Senior Data Engineer - Risk, Fraud & Disputes

As Marqeta’s Senior Data Engineer, you will join our Risk, Fraud and Disputes Engineering Team. In this cross-functional and strategic role, you will own the design and development of scalable, reliable data assets that drive real-time fraud detection, dispute operations, and regulatory reporting. You will be instrumental in bridging data engineering with analytical needs, enabling high quality decisions through structured, labeled data and actionable insights using machine learning models.

We work Flexible First. This role can be performed remotely in the United States, only in one of our Premium or National locations, which you can review here.

The Impact You’ll Have

• You will partner with Risk, Fraud and Disputes Engineers and Product Managers to deeply understand business needs and translate them into actionable data-driven solutions 
• You will lead the creation of high-quality labeled datasets that power supervised machine learning, rules-based fraud detection and predictive chargeback modeling
• You will collaborate closely with Machine Learning and Backend Teams to productionize data assets and enable scalable, reliable decisioning systems
• You will analyze large-scale transactional, fraud and chargeback datasets to surface trends, detect anomalies and support deep-dive investigations (e.g., Chargeback win/loss rates, Fraud rates, anomalous Merchant behaviour etc.) 
• You will build and maintain real-time dashboards and reporting mechanisms that provide leadership, operations and product teams with visibility into critical KPIs across Risk, Fraud and Disputes
• You will identify and recommend data improvements to strengthen fraud and chargeback detection capabilities and reduce false positives and false negatives 
• You will act as a domain expert on fraud and dispute data, supporting internal investigations and responding to customer-facing data queries with clarity and accuracy
• You will partner with Finance and Operations to answer business-critical questions related to dispute performance, costs and trends 
• You will collaborate with Engineering to design, validate and maintain Airflow pipelines and ETL workflows that support scalable and resilient data infrastructure

Who You Are

• You bring 5+ years of experience in data analytics, data science, or data engineering, ideally in risk, fraud, disputes, payments or financial services and are comfortable driving outcomes with limited direction 
• You are an expert in SQL, including analytical functions, performance optimization, and ETL best practices and consistently elevate data quality and efficiency 
• You have deep domain expertise in risk and fraud signals, dispute patterns or related behavioral datasets, and can proactively support emerging risks or anomalies 
• You demonstrate strong analytical intuition and can transform ambiguous business questions into structured, impactful analyses and actionable recommendations 
• You have significant experience with data visualization tools (e.g., Looker, Tableau) and can translate insights into dashboards and narratives that influence decision-making 
• You excel at shaping technical solutions, data models, and architectures that support robust analytics and scalable ML/data applications 
• You are comfortable operating in ambiguous, fast-moving environments and can balance precision with urgency in high-stakes decision contexts 
• You communicate with clarity and influence, and collaborate effectively with cross-functional leaders across Product, Engineering and Operations 
• You are proficient with modern data tooling (e.g., Airflow, dbt) and understand how to design, maintain, and scale ELT/ETL workflows 

Nice-To-Haves

• Experience labelling data for Machine Learning models or partnering with Machine Learning Engineers on future creation. 
• Understanding of card network chargeback rules, fraud reason codes, or dispute lifecycle. 
• Experience with Python or R for advanced analytics or light Machine Learning tasks.

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:

• National: A baseline tier that applies to most of the geographic territory of the United States.
• Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA
• Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City.

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:

• National: $134,400 - $168,000
• Premium: $139,700 - $174,600

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

• Multiple health insurance options
• Flexible time off – take what you need
• Retirement savings program with company contribution and after tax contributions
• Equity in a publicly-traded company and an Employee Stock Purchase Program
• Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave
• Free therapy sessions, financial and professional coaching, and legal advice
• Monthly stipend to support our remote work model
• Annual “development dollars” to support our people growth and development
• Through Flex First, the freedom to live and work wherever you and your family thrive

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.

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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.

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Equal Employment Opportunity, Accommodations and Privacy 

Marqeta is an equal opportunity employer committed to an inclusive workplace that fosters belonging. We do not discriminate based on race, color, religion, sex (including pregnancy, lactation, childbirth, or related medical conditions), veteran status or uniformed service member status, age, national origin or ancestry, citizenship or immigration status, physical or mental disability, gender identity, gender expression, sexual orientation, genetic information (including testing or characteristics) or any other characteristic protected by applicable law. We also consider qualified applicants with criminal histories, consistent with legal requirements. 

Marqeta endeavors to make reasonable accommodations for applicants with disabilities. If you are an individual with a disability and require a reasonable accommodation to submit this application, complete any pre-employment testing, or otherwise participate in the employee selection process, please submit this form with your specific accommodation request.

Personal data that is provided as part of the application and recruitment process is processed in accordance with the Applicant Privacy Notice. Additional information for California residents can be found here.