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Senior Manager, Software Engineering - 3DS

Remote, USA

We are looking for a Senior Manager, Software Engineering to lead the design, development, and execution of our 3D Secure (3DS), KYB/KYC, and Fraud platform initiatives. You will play a pivotal role in building high-performance, real-time systems on AWS that support 500+ transactions per second, while embedding AI/ML models to proactively detect and prevent fraud across 3DS rails.

This role requires a hands-on technical leader with deep experience in payments, fraud detection, 3DS protocols, and distributed system design, who thrives in solving complex problems and unblocking teams. You should be comfortable bridging across internal systems, third-party networks, and cross-functional stakeholders.

We work Flexible First. This role can be performed remotely anywhere within the United States or from our headquarters in Oakland, CA. We’d love for you to join us!

The Impact You’ll Have

  • Architect, design, and implement scalable, reliable, and secure distributed systems for issuer card processing and real-time transaction management.
  • Build and operate low-latency APIs capable of processing 500+ TPS using cloud-native AWS technologies (e.g., Lambda, ECS, EKS).
  • Lead the adoption of Generative AI and Agentic AI to drive a 10x increase in developer productivity, while leveraging these technologies to build innovative business solutions.
  • Define and champion engineering best practices, including CI/CD, observability, incident response, automation, and high availability, to ensure delivery excellence across the SDLC.
  • Collaborate cross-functionally with Product, Risk, Compliance, and Fraud teams to define and prioritize customer needs, technical features, and regulatory requirements.
  • Establish and maintain secure, reliable network integrations with all major U.S. card networks and internal services built on AWS.
  • Partner with data science and fraud teams to integrate real-time ML models into the 3DS flow to detect Fraud behaviors and anomalies.
  • Define and monitor key metrics for system throughput, model accuracy, fraud prevention efficacy, and overall platform stability.
  • Ensure engineering excellence by implementing rigorous development, testing, deployment, and monitoring standards aligned with architectural goals and SLA requirements.
  • Contribute directly to high-impact projects by building core modules, internal frameworks, automation tools, and proof-of-concepts for new technologies.
  • Mentor, unblock, and grow engineering teams through technical leadership, hands-on support, and a culture of ownership, collaboration, and continuous learning.

Who You Are

  • 10+ years of experience in software engineering, with at least 4 years leading high-performing engineering teams.
  • Proven, hands-on experience designing and operating highly available (99.999%), multi-region, real-time critical systems with end-to-end latency consistently under 50ms, ideally in payments, fraud, or risk decisioning.
  • Deep expertise in cloud-native architectures on AWS, including services like Lambda, ECS, and EKS; real-time data streaming using Kafka; and experience building high-performance APIs (REST/gRPC) under tight latency SLAs
  • Solid background in distributed systems design, including asynchronous processing, circuit breakers, retries, and rate-limiting.
  • Strong understanding of DevOps practices, including CI/CD, observability, automation, containerization (Docker), and orchestration using Kubernetes.
  • Hands-on technical ability to write code, debug issues, or write queries to unblock teams, validate new ideas, and integrate emerging technologies.
  • Proficiency in SQL and data analysis using tools like MySQL, Snowflake, and scripting languages.
  • Experience with real-time data streaming using Kafka or AWS Kinesis in support of event-driven architecture.

Nice to Haves

  • Experience integrating with third-party KYC/AML vendors and building identity verification systems.
  • Integration experience with U.S. card networks and fraud/identity platforms to incorporate inline risk signals during authorization.
  • Knowledge of relevant compliance frameworks such as PCI-DSS, PSD2, Reg-E, Reg-Z, and AML requirements in the financial services industry.
  • Deep expertise in EMV 3DS 2.x protocols and their use in verifying PAN ownership and step-up authentication.
  • Proficiency with observability tools such as Datadog and AWS X-Ray to diagnose latency and system issues.
  • Proven experience leveraging Generative AI/Agentic AI to drive team productivity and enhance product innovation.
  • Demonstrated success partnering with ML and fraud teams to deploy real-time models into production with tight latency constraints.
  • Familiarity with emerging AI/ML techniques such as deep learning, reinforcement learning, or graph neural networks applied to fraud detection.

Your Manager:

Recruiter For This Role:

  • Kayla Osuna 

Typical  process:

  1. Application Submission
  2. Recruiter phone call
  3. Hiring manager video call
  4. Virtual “Onsite” consisting of 4-5, 1 hour calls
  5. 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: $182,000 - $227,500
  • Premium: $197,000 - $246,200
  • Premium Plus: $214,100 - $267,600

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

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