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
- 5+ years of experience as a backend engineer with a Bachelor’s degree; or 3 years of experience with an advanced degree. In lieu of a degree, 8+ years of relevant experience may suffice.
- Demonstrated software development (Java) and microservices architecture experience with real time event based processing.
- Java and Spring boot experience preferred but welcome experience in different programming languages.
- Platform engineering experience (AWS preferred) and Infrastructure as Code (we use Terraform).
- Demonstrated experience with deploying and maintaining distributed systems on AWS.
- Demonstrated passion to write code with great quality and test coverage.
- Demonstrated experience with Agile Scrum and TDD.
Our (typical) process:
- Application submission
- Recruiter video call
- Coding interview
- Hiring Manager video call
- Virtual “Onsite” consisting of three 45-60 minute rounds
- Offer!
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: $125,100 - $156,400
- Premium: $135,400 - $169,300
- Premium Plus: $147,200 - $184,000
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
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