Marqeta

Senior Data Analytics Engineer – Risk, Fraud and Disputes

United States

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, BiotechnologyIndustries

Requirements

Candidates should have 5+ years of experience in data analytics, data science, or data engineering, preferably in fraud, risk, dispute, payments, or financial services. Advanced SQL skills with a strong understanding of analytical functions, performance tuning, and ETL best practices are required. A deep understanding of risk, fraud signals, disputes domain, or related data patterns is necessary, along with strong data intuition to translate vague problem statements into structured data analysis or model features. Experience with data visualization tools like Looker or Tableau, the ability to translate business needs into technical solutions and data structures, and comfort working with ambiguous data problems in a fast-paced environment are essential. Strong communication and collaboration skills are also required, as is familiarity with Airflow, dbt, or equivalent ETL/ELT tooling. Experience labeling data for ML models or partnering with ML engineers on feature creation, and an understanding of card network chargeback rules, fraud reason codes, or dispute lifecycle are considered nice-to-haves. Proficiency in Python or R for advanced analytics or light ML tasks is also a plus.

Responsibilities

The Senior Data Analytics Engineer will partner with risk/fraud/dispute engineers, data scientists, and product managers to understand business needs and translate them into data-driven solutions. They will lead the creation of labeled datasets to support supervised machine learning and rules-based fraud detection and chargeback prediction. The role involves partnering with ML engineers and backend teams to productionize data, and analyzing large transactional, fraud, and chargeback data to uncover trends, detect anomalies, and support deep-dive investigations. Responsibilities include creating and maintaining real-time dashboards and reporting for key KPIs across Fraud, Risk, and Disputes for leadership, operations, and product teams. The engineer will recommend data improvements to enhance fraud and chargeback detection capabilities and reduce false positives/negatives. They will also act as a domain expert in fraud and dispute data, supporting internal investigations and external customer data queries, and partnering with Finance or Operations to answer questions about dispute costs and win/loss rates. Collaboration with Engineering to develop and maintain Airflow pipelines and ETL workflows to support scalable data pipelines is also a key responsibility.

Skills

Data Analytics
Data Science
Data Engineering
Fraud Detection
Dispute Resolution
Machine Learning
ETL
Airflow
SQL
Data Warehousing
Data Modeling
Business Intelligence
Risk Management
Data Visualization
Python

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

Benefits

Medical, dental, & vision coverage
Flexible time off
Paid family leave
Pet insurance
401k match
Equity
Monthly stipends
Company recognition & awards
Employee Stock Purchase Program

Risks

Class action lawsuit may harm Marqeta's reputation and investor confidence.
Increased regulatory scrutiny could raise compliance costs for Marqeta.
EWA platforms might disrupt Marqeta's traditional card issuing model.

Differentiation

Marqeta's open API platform allows for highly customizable payment solutions.
The company operates in 40 countries, offering a global card issuing platform.
Marqeta's cloud-based infrastructure enables instant access to scalable payment systems.

Upsides

Partnership with Slope taps into the growing Buy Now, Pay Later market.
Demand for flexible working capital solutions boosts Marqeta's embedded finance offerings.
Smarter AI models enhance Marqeta's payment processing capabilities.

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