Senior Software Engineer

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). Today nearly 8 out of 10 Americans use a product powered by Marqeta every week. This is the opportunity of a lifetime to work with innovators around the world and unlock equitable financial access for all.

Marqeta is looking for talented Senior Software Engineers to join our Engineering team.

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

Here is some more information about our current teams who have openings:

• Banking & Money Movement: The Banking and Money Movement engineering team develops and optimizes financial services, including account creation, transaction processing, payment systems, banking integrations, reporting, and reconciliation. We work collaboratively to ensure secure, efficient, and innovative solutions that meet regulatory standards and enhance user experiences in moving the money.
• Transaction Management & Message Delivery: Transaction Data Engineering owns the Transaction Management and the Webhooks Message Delivery Systems which provides an efficient, secure and durable means of authorization service flow and critical message delivery of financial data.
• 3DS: 3D Secure (3DS) makes e-commerce more secure by requiring cardholders to complete an additional verification step with the card issuer at the time of payment on certain transactions.
• Credit (Rewards): The Rewards team in Credit Engineering is responsible for accurate and timely accrual and redemption of credit rewards. This is a high performing team working on the highest initiative project within Credit. The new rewards platform will allow our customers to customize every aspect of accrual, conversion, and redemption to match their loyalty goals.
• Transaction Accuracy: The mission of the Transaction Accuracy team is to make sure our Payment Processing platform is handling every payment transaction accurately, and that we are always following the rules published by major credit card networks like Visa and Mastercard.  We are responsible for converting the transactional data from the credit card networks into a common internal language that our teams can understand, and validating the quality and accuracy of our payment flows.  The work we do has a high impact to our business and contributes  to a delightful experience for our customers and their cardholders.  

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

Learn more about our Product and Engineering team

What you'll do

• Define and deliver well-scoped milestones for projects and may be a technical lead for projects on your team. 
• Actively keep customer needs in mind and leverage input from product stakeholders to determine the right technical solutions to deliver customer value quickly.
• Actively level up less-experienced members of your team by helping them with their craft, providing guidance, and setting a good example. 
• Independently write code that is clear with minimal bugs that captures the essential nature of the solution and is appropriately flexible, reusable, efficient, and adaptable to changing requirements. 
• Identify gaps and propose plans towards addressing those gaps. 
• Challenge the status quo and come up with innovative ideas.
• Lead design for small-medium components/features and participate in design for larger components/features (moving from task level impact to small-medium project level impact).
• Have significant ownership of a component/feature of the system.
• Independently design software components in well scoped scenarios, with simplicity and maintenance as key considerations, ensuring components are testable, debuggable and have logical APIs that are not easily misused.
• Participate in on-call coverage

What we're looking for

• 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.
• Experience building scalable software platforms.
• Experience developing in Java.
• Experience with SQL.
• Experience with Microservices.
• Experience working with distributed systems. 
• Experience making technical trade offs and navigating technical complexities.
• Experience troubleshooting production issues.
• Ability to decompose business problems into solutions that may require designs with multiple interacting components. 
• Ability to to build correct, maintainable software components.
• A focus on quality and meeting deadlines.
• Ability to present clear and concise messages tailored to various audiences; able to communicate in a clear, concise, and respectful manner both verbally and in writing.
• Ability to share relevant information including if difficult task-level trade-offs that impact the product need to be made. 
• Ability to work with cross-functional stakeholders to identify technical blindspots and clarify ambiguity.

Nice to haves

• Experience with payments or the FinTech space
• Experience with AWS technologies 
• Experience in software delivery pipelines, CI/CD systems, and software deployment and orchestration systems such as Kubernetes and/or Docker
• Contributions to technical blogs, a public Github repo, or to open source projects
• Experience with unit testing / functional testing / integration testing
• Experience building scalable software platforms.
• Experience in end-to-end service ownership model including maintenance of infrastructure and familiarity with IaC technologies, CI/CD and observability tools (ie DataDog)

Our (typical) process:

1. Application submission
2. Recruiter call
3. Coding interview
4. Virtual “Onsite” consisting of three 45-60 minute rounds
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: $103,200 - $137,600
• Premium: $116,100 -  $154,800
• Premium Plus: $129,000 - $172,000

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