Software Engineer II

As Marqeta's Software Engineer II, you will deliver resilient and sustainable software projects from design to implementation and rollout. You will execute on defined projects to achieve team-level goals and own minor features in support of larger features.

You will independently define the right solutions or use existing approaches to solve defined problems, consistently deliver high quality code, and contribute to test development.

We have three open roles right now within the following teams.

• Ledger:
• This team builds and evolves Marqeta's next-generation ledger platform — the system of record for every debit and credit that moves through our card issuing platform. They are responsible for the core money-movement infrastructure that powers Marqeta's business: enforcing balance and completeness guardrails on every transaction, supporting the account and currency structures our customers rely on, and ensuring our ledger meets industry standards required as we scale up-market.
• Card Issuing:
• This team owns everything related to the user's card lifecycle, from the moment an account holder is created through card issuance, fulfillment, updates, and expiration. They build and operate the core payments platform services that millions of cards depend on, including Account Holders, Cards, and Account Lifecycle Management (ALM). They also own the services that keep card credentials current across card networks, along with the infrastructure that gets physical cards produced and delivered.
• Tokenization:
• This team owns virtual card issuance for 3 leading digital wallet providers: Apple Pay, Google Pay and Samsung Pay. The team owns and operates the services that enables our cardholders to provision cards into their digital wallets and make subsequent transactions

We work Flexible First . This role can be performed remotely anywhere within the province where you reside, whether that's Ontario, Canada or British Columbia, Canada. We'd love for you to join us!

These positions are for both an existing and not existing vacancy.

The Impact You'll Have

• Translate ideas into clear, well-documented, well-tested code that contributes to our ledger and money-movement platform
• Read and navigate a large, complex codebase, and contribute to test development and bug fixing
• Decompose problems or business scenarios into solutions composed of multiple software components interacting with each other
• Participate in the core processes of the team such as agile ceremonies, code review sessions, and on-call rotations
• Collaborate and communicate effectively with cross-functional partners and teammates to get work done in a Flex-first environment
• Ask questions and proactively identify and advocate for ways to improve the current state of projects and processes
• Contribute to a positive sense of community on the team and support the mentorship of new hires, interns, or more junior engineers

Who You Are

• Strong Computer Science fundamentals with 2+ years experience as a Backend Software Engineer
• Programming experience in an Object Oriented language like Java
• Ability to develop and deliver clean, readable, and error-free code with thorough documentation and testing
• Ability to understand existing designs and technology choices and make appropriate adjustments when necessary
• Ability to communicate in a clear, concise, and respectful manner both verbally and in writing
• The ability to demonstrate humility, empathy, and to take constructive feedback positively
• A desire to grow in your career by continuously learning new technologies and developing expertise in the payments and ledger domain, and sharing ideas to help others grow and learn
• The capacity to work productively on cross-functional teams and take a collaborative, team-oriented approach

Nice-To-Haves

• Experience with Payments, FinTech, or accounting/ledger systems
• Experience with AWS technologies
• Experience in end-to-end service ownership model including maintenance of infrastructure and familiarity with IaC technologies, CI/CD, and observability tools (e.g., DataDog)

Typical Process

• Application Submission
• Recruiter phone call
• Hiring manager video call
• Virtual "Onsite" consisting of 4-5, 45 min calls
• Offer!

Compensation and Benefits

Marqeta calibrates pay to a competitive value according to working location. When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this full-time position, reflected in CAD, is: 92,900 - 116,100

We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company.

Along with monetary compensation, Marqeta currently offers:

• Multiple health insurance options
• Flexible vacation time with additional floating holidays
• Retirement savings program with company contribution
• Equity in a publicly-traded company
• Monthly stipend to support our remote work model
• Annual development stipend to support our people growth and development
• Family-forming benefits and generous parental leave base salary top-up

About Marqeta

Marqeta is on a mission to change the way money moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our card issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment operations in real time.

Marqeta is powering the most well known brands in the new economy (Block, Cash App, Affirm, Instacart, Doordash, Uber, Walmart, etc). You don’t need to be a Payments expert to join the Marqeta Team, let us help you with that. This is the opportunity of a lifetime to work with innovators around the world and unlock equitable financial access for all.

Marqeta’s Values

– Solve for the Customer: With a deep understanding of our customers' business and empathy for their needs, we deliver products and services that drive their success. Earning and keeping their trust guides everything we do.

– Do What's Right: Knowing businesses and livelihoods depend on us, we pursue solutions that disrupt responsibly and deliver high-quality results that our customers count on. We own our work from start to finish.

– Simplify and Innovate: We approach challenges with curiosity and take smart risks. Innovation comes from finding better, simpler ways to achieve extraordinary outcomes.

– Win as a Team: We succeed together by embracing diverse perspectives and pushing each other to raise the bar. We lead with humility and set aside hierarchy to work as a team.

– Make it Count: We drive forward with focus and agility. With a sense of urgency and purpose, we get the job done, and done right.

Equal Employment Opportunity, Accommodations and Privacy

Marqeta is an equal opportunity employer committed to an inclusive workplace that fosters belonging.

We do not discriminate based on race, color, religion, sex (including pregnancy, lactation, childbirth, or related medical conditions), veteran status or uniformed service member status, age, national origin or ancestry, citizenship or immigration status, physical or mental disability, gender identity, gender expression, sexual orientation, genetic information (including testing or characteristics) or any other characteristic protected by applicable law.

We also consider qualified applicants with criminal histories, consistent with legal requirements.

Marqeta endeavors to make reasonable accommodations for applicants with disabilities. If you are an individual with a disability and require a reasonable accommodation to submit this application, complete any pre-employment testing, or otherwise participate in the employee selection process, please submit this form with your specific accommodation request.

Marqeta cares about your privacy. Personal data that is provided as part of the application and recruitment process is processed in accordance with the Applicant Privacy Notice . Additional information for California residents can be found here .

To keep our interview process fair and consistent, we ask that all candidates join video interviews with their camera on.

Notice on Use of AI in Recruitment

We may use artificial intelligence (AI) tools in our recruitment processing consistent with the requirements of applicable laws. For more information, review our AI notice here .