Principal Software Engineer - Banking and Money Movement

United States

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Not SpecifiedCompensation

Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Banking, Financial ServicesIndustries

Requirements

Candidates must possess 10+ years of hands-on software engineering experience, with a proven track record of designing and delivering complex distributed systems at scale. A minimum of 3 years of experience in payments or the FinTech space is required, along with strong proficiency across multiple technology stacks such as Java, Python, and Go. Experience in designing scalable APIs, microservices, and cloud-native applications is essential. Demonstrated ability to drive architectural decisions, balance short-term trade-offs with long-term goals, and lead complex initiatives spanning infrastructure, product development, and platform evolution are also key requirements. Excellent communication and influencing skills are necessary, as is experience shaping technical strategy and mentoring senior staff. Familiarity with system reliability, observability, and building secure, maintainable systems is expected, and a strong understanding of financial domain regulatory and security requirements is a plus. Hands-on experience with AWS, Kubernetes, and other modern cloud platforms, as well as Terraform, are considered nice-to-haves.

Responsibilities

The Principal Software Engineer will independently identify and deliver software solutions for the Banking and Money Movement Team, owning and delivering projects to meet quarterly goals. Responsibilities include defining and driving the architecture of mission-critical systems, setting long-term technical direction, and ensuring scalability, security, and sustainability. This role involves leading large-scale, cross-functional initiatives, serving as a technical advisor to senior leadership, and raising the technical bar across the organization through mentoring. The engineer will partner with management to ensure roadmap alignment, influence engineering principles and standards, and conduct technical deep-dives for performance improvements. They will also represent engineering in cross-functional forums, promote engineering quality through clean code and robust testing, and drive innovation by exploring emerging technologies.

Skills

Software Architecture

System Design

Scalability

Security

Mentoring

Technical Leadership

Cross-functional Initiatives

Financial Services

Transaction Processing

Payment Systems

Banking Integrations

Reporting

Reconciliation

Marqeta

Card issuing and payment processing solutions

About Marqeta

Marqeta provides modern card issuing and payment processing solutions in the fintech sector. Its platform allows businesses to create, issue, and manage payment cards tailored to their specific needs, such as expense management and consumer payments. The service operates through an open API, enabling clients to integrate Marqeta's capabilities into their own applications. This flexibility sets Marqeta apart from competitors, as it caters to a diverse range of clients, including financial institutions and tech companies. The company generates revenue primarily through transaction fees each time a card is used, along with potential setup and service fees. Marqeta's ability to quickly adapt to the growing demand for digital payments, especially during the COVID-19 pandemic, has contributed to its significant presence in the market.

Oakland, CaliforniaHeadquarters

2010Year Founded

$526.5MTotal Funding

IPOCompany Stage

Fintech, Financial ServicesIndustries

501-1,000Employees