As Marqeta's Manager, Software Engineering within our Risk, Fraud and Disputes pod, you will lead the design, development, and execution of our Identity Platform. You will be responsible for building and operating systems that manage the full KYC lifecycle, from Customer Identification Program (CIP) verification at account opening (name, DOB, address, ID validation) to ongoing Customer Due Diligence (CDD) and continuous risk monitoring, as well as KYB, sanction screening, and Red Flag rules under the AML/BSA umbrella. This is a hands-on leadership role for someone who is AI-first, takes full ownership of outcomes, and is comfortable engaging directly with enterprise customers and regulators to resolve complex identity and compliance scenarios.
We work Flexible First. This role can be performed remotely in the United States, only in one of our National locations, which you can review here.
The Impact You’ll Have
- Own the end-to-end identity verification lifecycle, from one-time CIP checks at account opening through ongoing CDD and continuous customer risk monitoring, ensuring accuracy, timeliness, and regulatory compliance at every stage.
- Build and operate systems that enforce KYC obligations across the full framework: identity verification (CIP), risk-based due diligence (CDD), and event-driven re-verification as customer risk profiles evolve.
- Drive AI-first automation, reducing manual review rates and increasing efficiency across KYC/KYB decisioning, sanction screening, and Red Flag rule evaluation.
- Lead and mentor a high-performing engineering team, improving velocity and system reliability through intelligent workflows and automation.
- Act as the technical and business-facing leader in customer and regulatory escalations, translating complex compliance scenarios into scalable platform improvements.
- Partner cross-functionally with Risk, Compliance, Product, Operations, and Legal to shape the platform roadmap and identity verification strategy.
What Success looks like
- The engineering team is engaged, growing, and operating at high velocity — engineers feel ownership, have clear career paths, and are proud of what they ship.
- KYC/KYB onboarding decisions consistently meet compliance requirements and customer-facing SLAs, with a reliable, auditable platform that earns trust from customers and regulators alike.
- Manual identity review rates are materially reduced through AI-driven decisioning workflows, freeing the team to focus on higher-leverage problems.
- The Identity platform is architected to be extensible — enabling Marqeta to expand into new markets with different regulatory frameworks (e.g., new jurisdictions, AML regimes, or licensing requirements) without requiring a platform rebuild.
- Customers and regulators view Marqeta as trusted, expert partners in identity and compliance.
Who You Are
- Experienced engineering leader (8–10+ years in engineering, 3+ years managing senior and staff engineers).
- Deep backend engineering expertise, you have a strong foundation in building and scaling backend systems, and you can credibly engage with your engineers on architecture, performance, and design trade-offs.
- Breadth across the stack, you've led teams delivering across multiple product lines and paradigms: from synchronous API services (Java/Spring Boot) to batch and event-driven ETL pipelines (Python/Airflow), and you know how to apply the right tool for each problem.
- Operational excellence and incident management, you hold a high bar for system reliability and on-call hygiene, drive blameless post-mortems, and ensure your team can detect, respond to, and learn from incidents quickly.
- Hands-on AI-first mindset: you embrace AI/ML to improve team velocity, drive automation, and reduce manual review rates.
- Strong ownership mentality, you thrive in ambiguity and take full responsibility for outcomes.
- Comfortable engaging directly with enterprise customers and compliance officers, translating technical decisions into clear narratives for non-technical stakeholders.
- Excellent communicator who can lead cross-functional initiatives and influence stakeholders at all levels.
Nice-To-Haves
- Deep understanding of identity verification, AML/BSA compliance, and regulatory obligations in the financial services or fintech space.
- Experience integrating with identity verification vendors (e.g., Trulioo, LexisNexis, Socure, Alloy) or sanctions screening providers.
- Background in fintech issuing platforms, core banking, or payments operations.
- Prior ownership of KYC/KYB automation initiatives that materially reduced manual review rates or compliance risk.
- Familiarity with AML/BSA regulatory obligations, OFAC screening, FinCEN CIP rules, or Red Flag program requirements.
Your Manager
- Ashok Agrawal, Senior Director, Software Engineering
Recruiter For This Role
- Prashant, Senior Technical Recruiter
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 is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location but this role is only open to National locations and the compensation is aligned according to the National tier within the United States:
- National: A baseline tier that applies to most of the geographic territory of the United States.
Visit this page or consult with a Recruiter to determine which tier would be applicable to you.
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 position is:
- National: 174,700 USD - 218,400 USD
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 offers
- 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
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.
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.
Marqeta Oakland, California, USA Office
Located in the heart of downtown Oakland, Marqeta is proud to be one of the best employers in the East Bay. Our headquarters is located on the shores of Lake Merritt and is walking distance to some of Oakland's best restaurants and breweries on Broadway as well as the 19th St Oakland BART stop.
Similar Jobs
What you need to know about the San Francisco Tech Scene
Key Facts About San Francisco Tech
- Number of Tech Workers: 365,500; 13.9% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Google, Apple, Salesforce, Meta
- Key Industries: Artificial intelligence, cloud computing, fintech, consumer technology, software
- Funding Landscape: $50.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Sequoia Capital, Andreessen Horowitz, Bessemer Venture Partners, Greylock Partners, Khosla Ventures, Kleiner Perkins
- Research Centers and Universities: Stanford University; University of California, Berkeley; University of San Francisco; Santa Clara University; Ames Research Center; Center for AI Safety; California Institute for Regenerative Medicine
