As Marqeta’s Principal Software Engineer on the Core Issuing & Processing team, you will work across the entire domain to stand up and drive high-impact projects for our customers from inception to completion. You will take on highly technical initiatives that optimize our issuing and processing engines, own the technical roadmap for the core platform, and partner with engineering leaders to drive engineering and operational excellence throughout the organization.We work Flexible First . This role can be performed remotely anywhere within the United States or from our Oakland office (preferred). We’d love for you to join us!The Core Issuing and Processing team owns the foundational stack that powers Marqeta's core business. We develop and maintain the systems that span six critical domains: Onboarding, Issuing, Digital Wallets, Authorization & Clearing, Transaction Controls, and Ledger. Together, these systems form the backbone of Marqeta's card issuing and payment processing platform.The Impact You’ll HaveOwn the technical roadmap and author system designs that enable scalable, secure, and operationally efficient card issuing and payment processing products for our customers.Spend significant time in the codebase – writing, reviewing, and optimizing code across the issuing and processing stack.Identify and drive high-impact technical initiatives that improve the performance, reliability, and cost-efficiency of our core processing engines.Collaborate with Product Managers to analyze requirements and provide technical recommendations across onboarding, issuing, digital wallets, authorization & clearing, transaction controls, and ledger.Mentor and guide technical leads, influence stakeholders, and establish success metrics to drive organization-wide technical excellence.Apply and evangelize modern best practices in your software designs and implementations to increase the platform's resiliency and scalability.Who You Are12+ years of hands-on software engineering experience.Demonstrated passion for software engineering excellence, including design principles, fault tolerance practices, scalability, cost, security & privacy considerations, and test-driven development.Experience partnering with product teams to ideate and bring innovative solutions to market.Experience developing and scaling microservices using modern cloud technologies, preferably AWS.Experience working with high volume / low latency data infrastructures.Solid understanding of security engineering best practices and demonstrable experience in designing solutions that adhere to those standards.Passion for non-functional challenges, namely: Scale, Cost, Reliability, Performance, High Availability.Experience building systems running in multiple regions.Team-oriented approach – can effectively lead a project, participate as an influential team member, and work cross-functionally with other organizations.Experience with our tech stack, namely Java, Springboot, Kubernetes, Terraform, Helm, Kafka, JPOS, and AWS services.Nice-To-HavesMaster 's degree in Software Engineering.Experience in payment processing, card issuing, or the payments industry.Domain experience in authorization, clearing, settlement, tokenization, or ledger systems.Virtual “Onsite” consisting of 4-5, 45 min callsCompensation 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. Compensation is aligned according to three tiers within the United States:National : A baseline tier that applies to most of the geographic territory of the United States.Premium : Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WAPremium Plus : A tier for the most expensive working areas, like the San Francisco Bay area and New York City.Visitthis pageor 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-hirebase salaryrange for this position is:National: $242,400 - $303,000Premium: $247,500 - $309,400We 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 offersMultiple health insurance optionsFlexible time off – take what you needRetirement savings program with company contribution and after tax contributionsEquity in a publicly-traded company and an Employee Stock Purchase ProgramFamily-forming benefits, fertility support, and up to 20 weeks of Parental LeaveFree therapy sessions, financial and professional coaching, and legal adviceMonthly stipend to support our remote work modelAnnual “development dollars” to support our people growth and developmentThrough Flex First, the freedom to live and work wherever you and your family thriveMQ - EEOC Voluntary Questions At Marqeta, we strive to live our value of “Win as a Team,” where we seek various opinions and experiences as we build opportunities around equity, inclusion, and belonging. We ask candidates to respond to the below self‑identification survey. Completion of the form isentirely voluntary.Whatever your decision, it will not be considered in the hiring process or thereafter. As set forth in Marqeta’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.Any information that you do provide will be anonymized and reviewed, strictly in aggregate, to find ways to improve our recruiting processes. To learn more about our job applicant privacy policy, please visit our website.We’re also providing additional information and resources as you complete the form:Veteran Status:If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.A "disabled veteran"A "recently separated veteran"An "active duty wartime or campaign badge veteran"An "Armed forces service medal veteran"Disability Status:You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition.PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.I consider my gender identity to be Select...Select...I consider myself to be Hispanic or Latino Select...If you do not consider yourself Hispanic or Latino, please select the race/ethnicity you most identify with Select...I consider myself to be as a member of the Lesbian, Gay, Bisexual, and/or Transgender (LGBT+) community Select...#J-18808-Ljbffr