Marqeta is looking for a talented Principal Software Engineer to independently identify and deliver software solutions on our Banking and Money Movement Team through a set of milestones spanning a specific product focus or a multi-component system. You will own and deliver projects in service of quarterly goals on the team and independently identify solutions to ambiguous, open-ended problems. This is a highly strategic role that combines deep technical expertise with leadership and influence across the entire engineering organization.

The Banking and Money Movement engineering team develops and optimizes financial services, including account creation, transaction processing, payment systems, banking integrations, reporting, and reconciliation. We work collaboratively to ensure secure, efficient, and innovative solutions that meet regulatory standards and enhance user experiences in moving the money.

We work Flexible First. This role can be performed remotely within the Ontario or British Columbia areas. We’d love for you to join us!

Learn more about our Product and Engineering team

What You'll Do

Define and drive the architecture of mission-critical systems, setting long-term technical direction and ensuring scalability, security, and sustainability across the platform.
Lead large-scale, cross-functional initiatives that span multiple teams and domains, ensuring alignment with business priorities and delivering high-impact outcomes.
Serve as a technical advisor to senior leadership, providing insight on technical risks, trade-offs, and innovation opportunities that shape product and business strategy.
Raise the technical bar across the organization by mentoring engineers at all levels, fostering a culture of technical rigor, collaboration, and continuous learning.
Partner with engineering managers and product leaders to ensure roadmap decisions align with architectural goals and long-term scalability.
Actively influence and contribute to the creation and evolution of the company’s engineering principles, tooling, and standards.
Conduct technical deep-dives into system architecture, identifying opportunities for performance improvements, technical simplification, and operational efficiency.
Represent engineering in key cross-functional forums, helping the organization navigate complex decisions around infrastructure, platform capabilities, and product development.
Act as a steward of engineering quality—promoting clean code, reliable systems, robust testing, and sustainable development practices.
Drive innovation across teams, leading explorations of emerging technologies and ensuring Marqeta remains on the forefront of industry standards and capabilities.

What We're Looking For

10+ years of hands-on software engineering experience, with a track record of designing and delivering complex distributed systems at scale.
3+ Experience with payments or the FinTech space.
Strong experience across multiple technology stacks (e.g., Java, Python, Go) and proficiency in designing scalable APIs, microservices, and cloud-native applications.
Demonstrated ability to drive architectural decisions that balance short-term trade-offs with long-term goals.
Proven leadership in complex initiatives spanning infrastructure, product development, and platform evolution.
Excellent communication and influencing skills, with the ability to engage both technical and non-technical audiences.
Experience shaping technical strategy and mentoring senior staff and principal engineers across multiple domains and teams.
Adept at solving ambiguous problems, balancing innovation with execution, and leading teams through change and complexity.
A passion for system reliability, observability, and building secure, maintainable systems.
Strong understanding of regulatory and security requirements in the financial domain is a plus.

Nice to haves

Hands-on experience with AWS, Kubernetes, and other modern cloud platforms.
Experience with Terraform and infrastructure-as-code practices.
Expertise in containerization and orchestration tools.
Track record of influencing technical direction across a large engineering org or multiple product lines.
Contributions to open source or industry thought leadership.

Your Manager

Rahul Rana - Vice President Software Engineering

Your Recruiter

Kayla Osuna - Senior Recruiter

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. 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 WA
Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City.

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: $206,100 - $257,600
Premium: $223,100 - $278,900
Premium Plus: $242,500 - $303,100

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 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

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 proud to be an equal opportunity employer that gives consideration to all qualified applicants regardless of race, ancestry, national origin, color, Indigenous, citizenship, religion/creed, sex, sexual orientation, gender identity, gender expression marital status, family status, disability, veteran status, criminal histories consistent with legal requirements, or any other characteristic protected by applicable law.

Our dedication to diversity and inclusion extends beyond the categories above. Review Marqeta’s ESG Report to see that dedication in action. Fostering an environment where everyone feels valued and respected creates a stronger and more innovative team at Marqeta. We celebrate the unique contributions of each individual and empower all members of our organization. Join us in building a company where diversity thrives and everyone can be their authentic selves.

If you require reasonable accommodation for the application process and beyond (including due to a disability), please submit this form and we will be more than happy to assist you. Marqeta will make reasonable accommodations for candidates when needed in accordance with applicable law. The Applicant and Candidate Privacy Notice applies to the personal data that you directly provide to us or that we collect during the application and candidate recruitment process.