Marqeta

Senior Manager, Software Engineering - 3DS

United States

Not SpecifiedCompensation
Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, Payments, Fraud DetectionIndustries

Requirements

Candidates must have over 10 years of software engineering experience, with at least 4 years leading engineering teams. Proven hands-on experience is required in designing and operating highly available, multi-region, real-time critical systems with low latency, ideally in payments, fraud, or risk decisioning. Deep expertise in cloud-native AWS architectures (Lambda, ECS, EKS), real-time data streaming (Kafka), high-performance APIs, distributed systems design, and DevOps practices (CI/CD, observability, Docker, Kubernetes) is essential. Proficiency in SQL, data analysis tools (MySQL, Snowflake), and scripting languages is also required, along with experience in real-time data streaming using Kafka or AWS Kinesis. Experience with third-party KYC/AML vendors and U.S. card network integrations is a plus.

Responsibilities

The Senior Manager, Software Engineering will lead the design, development, and execution of 3D Secure, KYB/KYC, and Fraud platform initiatives, building high-performance, real-time systems on AWS capable of handling over 500 transactions per second. This includes architecting and implementing scalable, reliable, and secure distributed systems, building and operating low-latency APIs, and leading the adoption of Generative AI and Agentic AI for developer productivity and business solutions. Responsibilities also include defining and championing engineering best practices, collaborating with Product, Risk, Compliance, and Fraud teams, establishing secure network integrations with card networks, partnering with data science and fraud teams to integrate ML models, defining and monitoring key system metrics, and ensuring engineering excellence through rigorous standards. The role involves contributing directly to high-impact projects by building core modules and frameworks, and mentoring engineering teams through technical leadership and support.

Skills

Software Engineering
3D Secure (3DS)
KYB/KYC
Fraud Detection
Payments
AWS
Distributed Systems
Real-time Systems
AI/ML
Generative AI
Agentic AI
APIs
CI/CD
Observability
Incident Response
Automation
High Availability
Cloud-native Technologies
Lambda
ECS
EKS
Card Processing
Transaction Management
Network Integrations

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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