Software Engineer II - Banking and Money Movement at Marqeta

Toronto, Ontario, Canada

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

FinTech, BankingIndustries

Requirements

3+ years experience as a backend engineer and a Bachelor’s degree; or an advanced degree with no relevant experience. Instead of a degree, 5+ years of relevant experience may suffice
Experience developing in Java
Experience with Web Services and Microservices
Experience with SQL
Experience working with distributed systems
Experience working at a SaaS-based product company
Ability to decompose business problems into solutions that may require designs with multiple interacting components
Ability to build correct, maintainable software components
A focus on quality and meeting deadlines
A strong grasp of the libraries, platforms, and systems
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

Responsibilities

Independently and consistently develop, and deliver clear, bug-free code
Decompose simple problems or business scenarios into solutions composed of multiple software components interacting with each other
Own small features
Achieve team-level goals and work on and own minor features in support of larger features
Read and navigate through a large code base and effectively contribute to test development and bug fixing
Participate in the core processes of the team, including recommending and implementing process improvements, as well as planning, on-call rotations, bug triage, metrics review, etc
Ensure the team delivers secure and compliant products for our customers
Contribute to a positive sense of community on the team (e.g. engage in team lunches, team off-sites, new-hire onboarding, etc.)
May mentor new hires, interns, or more junior engineers
Deliver resilient and sustainable software projects from design to implementation and rollout
Execute defined projects to achieve team-level goals

Skills

backend engineering

software development

test development

bug fixing

code review

financial services

transaction processing

payment systems

banking integrations

reporting

reconciliation

secure coding

regulatory compliance

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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