Senior Manager, Software Engineering

Summary

Join Marqeta as a Senior Manager, Software Engineering to lead the design, development, and execution of 3D Secure (3DS), KYB/KYC, and Fraud platform initiatives. You will build high-performance, real-time systems on AWS supporting 500+ transactions per second, integrating AI/ML models for fraud detection. This role demands a hands-on technical leader with extensive experience in payments, fraud detection, 3DS protocols, and distributed system design. You will collaborate with cross-functional teams, bridge internal systems and third-party networks, and champion engineering best practices. The position offers flexible work arrangements, with options for remote work within the United States or from the Oakland, CA headquarters. Marqeta provides competitive compensation and a comprehensive benefits package.

Requirements

• 10+ years of experience in software engineering, with at least 4 years leading high-performing engineering teams
• Proven, hands-on experience designing and operating highly available (99.999%), multi-region, real-time critical systems with end-to-end latency consistently under 50ms, ideally in payments, fraud, or risk decisioning
• Deep expertise in cloud-native architectures on AWS, including services like Lambda, ECS, and EKS; real-time data streaming using Kafka; and experience building high-performance APIs (REST/gRPC) under tight latency SLAs
• Solid background in distributed systems design, including asynchronous processing, circuit breakers, retries, and rate-limiting
• Strong understanding of DevOps practices, including CI/CD, observability, automation, containerization (Docker), and orchestration using Kubernetes
• Hands-on technical ability to write code, debug issues, or write queries to unblock teams, validate new ideas, and integrate emerging technologies
• Proficiency in SQL and data analysis using tools like MySQL, Snowflake, and scripting languages
• Experience with real-time data streaming using Kafka or AWS Kinesis in support of event-driven architecture

Responsibilities

• Architect, design, and implement scalable, reliable, and secure distributed systems for issuer card processing and real-time transaction management
• Build and operate low-latency APIs capable of processing 500+ TPS using cloud-native AWS technologies (e.g., Lambda, ECS, EKS)
• Lead the adoption of Generative AI and Agentic AI to drive a 10x increase in developer productivity, while leveraging these technologies to build innovative business solutions
• Define and champion engineering best practices, including CI/CD, observability, incident response, automation, and high availability, to ensure delivery excellence across the SDLC
• Collaborate cross-functionally with Product, Risk, Compliance, and Fraud teams to define and prioritize customer needs, technical features, and regulatory requirements
• Establish and maintain secure, reliable network integrations with all major U.S. card networks and internal services built on AWS
• Partner with data science and fraud teams to integrate real-time ML models into the 3DS flow to detect Fraud behaviors and anomalies
• Define and monitor key metrics for system throughput, model accuracy, fraud prevention efficacy, and overall platform stability
• Ensure engineering excellence by implementing rigorous development, testing, deployment, and monitoring standards aligned with architectural goals and SLA requirements
• Contribute directly to high-impact projects by building core modules, internal frameworks, automation tools, and proof-of-concepts for new technologies
• Mentor, unblock, and grow engineering teams through technical leadership, hands-on support, and a culture of ownership, collaboration, and continuous learning

Preferred Qualifications

• Experience integrating with third-party KYC/AML vendors and building identity verification systems
• Integration experience with U.S. card networks and fraud/identity platforms to incorporate inline risk signals during authorization
• Knowledge of relevant compliance frameworks such as PCI-DSS, PSD2, Reg-E, Reg-Z, and AML requirements in the financial services industry
• Deep expertise in EMV 3DS 2.x protocols and their use in verifying PAN ownership and step-up authentication
• Proficiency with observability tools such as Datadog and AWS X-Ray to diagnose latency and system issues
• Proven experience leveraging Generative AI/Agentic AI to drive team productivity and enhance product innovation
• Demonstrated success partnering with ML and fraud teams to deploy real-time models into production with tight latency constraints
• Familiarity with emerging AI/ML techniques such as deep learning, reinforcement learning, or graph neural networks applied to fraud detection

Benefits

• 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
• Through Flex First, the freedom to live and work wherever you and your family thrive