Marqeta

• Craft embedded finance solutions for customers and cardholders • Own a feature area and work with more senior members of the team to execute designs and drive cross-functional alignment • Assume responsibility for design quality in areas you oversee • Collaborate closely with cross-functional partners and key stakeholders on all aspects of product, design, and development • Advocate for user needs and balance them with business needs to make informed decisions that work for all

• Act as a trusted advisor with deep knowledge and expertise in the rules, laws and regulations related to prepaid, debit, and credit card products, including EFTA/Regulation E, Durbin/Regulation II, TILA/Regulation Z, and card network rules • Provide legal advice on payment laws, financial services regulations, consumer protection, and enforcement actions for existing products and new features • Assess legal risks, recommend mitigation strategies, and provide legal advice to cross functional stakeholders (product, engineering, risk teams, go to market, etc.) in connection with maintaining integrity of the financial platform • Monitor and conduct analyses of new regulations in the payments/financial services space to assess their applicability to the payments/financial products Marqeta offers • Work closely and collaboratively with Marqeta’s internal teams, sponsor banks and customers to enable launches of new products, features and campaigns • Collaborate with and manage outside legal counsel • Be a team player and self-starter with drive and initiative • Have high integrity and great judgment while working across the organization

Title: Assistant Manager, Bank Partnerships Locations: Toronto, Canada; Vancouver, Canada The Partner Operations team is a key division within Marqeta's broader Go-To-Market Organisation, with two essential functions. The bank and network partnership teams drive global strategies to enhance our core technology and capabilities across credit, debit, prepaid card, and money movement offerings. Meanwhile, the solution design and delivery teams guide and support our customers in launching tailored, best-in-class solutions to meet their business needs. We are seeking a highly organized and detail-oriented Assistant Manager to perform critical job functions and provide operational support to the Bank Partnerships team. The Assistant Manager will work with and support the primary bank relationship manager performing a variety of tasks and workstreams that maintain and grow our overall bank relationships. Some of the key tasks include processing and tracking Program Change Requests (PCRs), submitting and tracking collateral material for review and coordinating audit materials and information requests for compliance. By efficiently handling operational duties, this role enables senior team members to focus on strategic elements of bank relationship management, complex negotiations, and driving long-term growth. This position is focused on reliable execution and operational efficiency across all partnership support activities. We work Flexible First. This role can be performed remotely anywhere within Ontario or British Columbia, Canada. We’d love for you to join us! This position is not for an existing vacancy. The Impact You’ll Have - Operational Execution & Administration - Validate Bank Partner Invoices against internal data sources. - Coordinate and submit Program Change Requests (PCRs) to the Bank for review and approval. Track PCRs for conformance to Bank service level agreements (SLAs). - Manage and prioritize collateral materials for Bank review and approval. - Track activities related to Bank program management and perform analysis on trends. - Maintain accurate documentation and logs related to partner engagements, audits, and regulatory obligations. - Oversee program wind down cases and manage associated administrative processes. - Update and maintain document repositories, ensuring easy access and version control for the team. - Relationship and Project Support - Serves as day-to-day contact for administrative inquiries from banking partners. - Participates in resolving operational issues by gathering context and coordinating with internal stakeholders. - Provides data and reporting to enhance overall bank performance and relationship status - Supports strategic initiatives led by the primary Bank relationship managers. - Process Improvement & Cross-Functional Alignment - Supports collaboration with internal compliance, legal, and risk teams by collecting necessary information. - Identifies trends and provides input on process improvement to optimize engagement with all stakeholders. - Collaborates cross-functionally to gain alignment as we focus on continual process improvement. Who You Are - Experience: This position has no prior experience requirement and will serve as a great entry level role for banking, FinTech and relationship management. - Industry Knowledge: Basic understanding of card payment solutions (credit, debit, prepaid) and familiarity with general financial services operations are considered a plus. - Organizational Skills: Exceptionally organized with a meticulous attention to detail. Proven ability to manage multiple priorities effectively in a fast-paced environment. - Communication Skills: Strong verbal and written communication skills with the ability to clearly coordinate information across internal teams and external partners. - Execution Focus: A proven ability to drive short-term operational objectives and ensure the thorough, accurate completion of administrative tasks. - Education: Bachelor’s degree required. 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. 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, reflected in CAD, is: 74,500 - 93,100 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 vacation time - Retirement savings program with company contribution - Equity in a publicly-traded company - Monthly stipend to support our remote work model - Annual “development dollars” to support our people growth and development - Family-forming benefits and up to 20 weeks of Parental Leave 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.

Role Description 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. 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 - Ledger Together, these systems form the backbone of Marqeta's card issuing and payment processing platform. Qualifications - 12+ 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. Requirements - Own 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. 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

Role Description We are looking for a Senior Software Engineer, Frontend with strong expertise in React Native to provide technical leadership in building our UX Toolkit (Web/Native) at Marqeta. This is a newly formed area of focus, and we need a technical leader with deep experience in building cross-platform mobile and web applications from the ground up. We work Flexible First. This role can be performed remotely anywhere within the provinces of Ontario and British Columbia, Canada preferably you residing in either Greater Toronto Area or Metro Vancouver. The Impact You'll Have - Collaborate with product and design teams to develop innovative cardholder experiences across web and mobile platforms. - Lead the development of React Native-based SDKs and applications, ensuring high performance and seamless integration across platforms. - Architect and implement reusable React Native components that align with modern design patterns and best practices. - Optimize performance for mobile applications, leveraging techniques such as lazy loading, code splitting, and efficient rendering strategies. - Work hands-on with React Native, JavaScript/TypeScript, HTML, and CSS to build and maintain scalable front-end solutions. - Define and contribute to technical roadmaps, design documents, and system architecture to ensure high-quality UI experiences. - Participate in design discussions, advise stakeholders, and establish best practices for mobile and web application development. - Advocate for and implement modern engineering practices, including automated testing, CI/CD pipelines, and performance monitoring. Qualifications - 5+ years of experience in web and mobile application development with a focus on React Native. - Strong proficiency in React Native for building mobile applications, including experience with React Navigation, Expo, and native module development (Swift/Kotlin/Objective-C/Java). - Experience integrating React Native applications with native iOS and Android components, bridging gaps where necessary. - Deep understanding of React.js, Redux, Context API, or similar state management frameworks. - Experience working with design systems and component-based architecture to ensure UI consistency and scalability. - Strong knowledge of mobile performance optimization techniques, including profiling, memory management, and UI rendering optimizations. - Experience integrating RESTful APIs and GraphQL into mobile and web applications. - Familiarity with mobile authentication techniques, including OAuth, biometric authentication, and secure session management. - Experience with CI/CD pipelines for mobile development, such as Fastlane, Bitrise, or App Center. - Proficiency with Git and modern development workflows, including feature branching and pull request reviews. - Experience mentoring junior engineers and leading mobile development initiatives. - Solid problem-solving skills, debugging expertise, and the ability to troubleshoot cross-platform performance issues. - Excellent communication skills and ability to collaborate with cross-functional teams, including designers, product managers, and backend engineers. Nice to haves - Experience with Swift and/or Kotlin for deeper native integrations in React Native apps. - Domain experience in Payments or Fintech industries. - Familiarity with App Store and Google Play Store deployment processes, including code signing, release management, and A/B testing. - Experience using TypeScript to enhance maintainability and scalability in React Native applications. - Knowledge of WebAssembly, PWAs, or alternative approaches to cross-platform development. - Passion for delivering high-quality, delightful user experiences with a customer-first mindset. 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. - Base salary range for this position, reflected in CAD, is $116,000 to $145,000. - Annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company. - Multiple health insurance options. - Flexible time off – take what you need. - Retirement savings program with company contribution. - Equity in a publicly-traded company. - Monthly stipend to support our remote work model. - Annual “development dollars” to support our people growth and development. - Family-forming benefits and up to 20 weeks of Parental Leave.

• Lead the design and architecture of large-scale, complex systems and components, making decisions that impact both short-term and long-term product strategy. • Take ownership of major technical initiatives, providing direction to teams while ensuring alignment with customer needs and business goals. • Drive architectural improvements, optimizing for scalability, performance, and maintainability, while addressing both current and future system requirements. • Mentor and guide other engineers, providing technical leadership and fostering an environment of growth, learning, and excellence across the team. • Collaborate closely with cross-functional stakeholders, including product, design, and other engineering teams, to define and deliver high-impact solutions. • Develop and maintain a deep understanding of the product, business needs, and user experience, ensuring that engineering decisions align with company goals. • Independently drive the design and implementation of high-impact features and systems, ensuring high-quality deliverables with minimal supervision. • Drive innovation and champion the adoption of best practices across the engineering team, while challenging the status quo to continuously improve processes. • Be an advocate for software craftsmanship, ensuring code is clean, efficient, and aligned with the organization's architectural vision. • Participate in setting the technical vision and long-term roadmap for your area of the product and ensure that the team is aligned with these goals. • Participate in on-call coverage.

Role Description Marqeta is seeking an experienced Staff Software Engineer to independently drive the identification and delivery of complex software solutions on our Banking and Money Movement Team. In this role, you will lead end-to-end delivery across multi-component systems and multi-milestone initiatives, taking full ownership of projects aligned to quarterly team goals. You will navigate ambiguous, open-ended technical challenges with autonomy, defining the path forward where problems are not yet well-scoped. You will serve as a technical leader and trusted collaborator — partnering closely with your team and cross-functional stakeholders to align on priorities and deliver high-impact outcomes. The Banking and Money Movement engineering team develops and optimizes financial services, including: - Account creation - Transaction processing - Payment systems - Banking integrations - Reporting - Reconciliation We work Flexible First. This role can be performed remotely in the United States, only in one of our National locations. Qualifications - 8+ years of experience in backend engineering, with a strong foundation in system design and architecture. - 3+ years of experience with payments or the FinTech space. - Proven experience leading technical projects and teams, with the ability to make decisions that drive the overall success of the product. - Deep expertise in one or more backend technologies (e.g., Java, Python), relational databases (MySQL, Postgres, MS SQL Server, Oracle, etc.), and significant experience with web services, microservices, and distributed systems. - Experience working with large-scale, high-performance, and reliable systems. - Ability to break down complex business problems into elegant, scalable technical solutions, working with multiple interacting components. - A strong track record of designing, building, and scaling maintainable, robust systems, ensuring high availability and minimal technical debt. - Experience in creating and maintaining technical roadmaps, and providing leadership to ensure successful delivery of projects. - Excellent communication skills, with the ability to present complex technical concepts to both technical and non-technical audiences. - A strong focus on quality and a commitment to meeting deadlines, while maintaining a high level of accountability. - Experience in mentoring and guiding less-experienced engineers, fostering technical growth and fostering high-performing teams. Requirements - Production experience with AWS, Kubernetes, or other cloud platforms. - Experience with building scalable software platforms. - Experience leading teams through significant technical challenges and driving organizational change. - Experience with containerization and orchestration tools like Docker/Kubernetes. - Experience with Python or other modern programming languages. - Experience in developing cloud infrastructure on AWS using Terraform. 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

• Performance Fanatic: You don’t sit around and wait for things to happen. You strategize, plan, and monitor a path to operational success based on the right data. • BPO Vendor Management: Manage the operational success of multiple programs across multiple products through building and maintaining effective relationships with operational BPO site leadership. • Performance Analysis & Reporting: Monitor and analyze disputes and chargebacks data (KPIs, metrics, aging case volumes, provisional credit timelines) to identify trends and areas for improvement. • Process Optimization: Identify gaps, develop and implement sustainable and scalable solutions to enhance operational efficiency, case routing workflows, and cardholder resolution outcomes. • Quality Assurance & Compliance: Define what great looks like and collaborate with QA, Compliance, and Complaints teams to ensure adherence to Reg E, Reg Z, network rules, and regulatory requirements governing disputes processing. • Technology Implementation: Utilize and drive enhancements through new tooling and AI solutions across our disputes case management, routing infrastructure, and CRM systems to improve agent efficiency and case resolution effectiveness. • Leadership & Coaching: Motivate staff, provide coaching, and influence positive outcomes to cultivate a high-performing disputes and chargebacks culture. • Escalation Management: Resolve complex cardholder disputes and high-risk chargeback cases during moments of truth. • Client Experience Optimization: Foster strong relationships with key Program stakeholders to collaborate on enhancing cardholder experience through sharing expertise, dispute resolution data, and operationally-driven efficiencies. • Change Management: Central role to new program launches, disputes procedures

• 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.

Role Description As Marqeta’s Credit Risk Senior Manager, you will lead our credit risk and pricing strategy, helping us launch and scale credit programs from the ground up. You will drive innovation to establish best-in-class credit strategies in partnership with internal stakeholders and external bank partners and customers. You will create something unique in the embedded credit space: a marketplace that enables fintech apps, wallets, and merchants to offer credit products at scale. Embedded within finance, this role will support Marqeta’s evolving managed credit card programs by shaping credit risk strategy across: - Acquisition and account management - Pricing - Performance and portfolio monitoring This role can be performed remotely in the United States, only in one of our Premium or National locations. The Impact You’ll Have - Credit Strategy & Policy - Own end-to-end credit strategy initiatives — from framework design through implementation and ongoing monitoring - Build, review, and refine consumer and commercial credit card risk and pricing strategies - Proactively adjust credit card policies based on portfolio performance and risk trends - Establish strategies that directly drive KPIs: approval rates, new accounts, loss rates, profit margin, and more - Modeling & Data - Partner with data scientists to build best-in-class credit risk and cash flow models - Work with product to develop modern credit stacks and data strategies leveraging financial, bank, and third-party datasets — enabling underwriting automation at scale - Capital Markets & Partners - Partner with capital markets on securitization structures, warehouse lines, and forward flow deals - Provide analytical support to co-brand partners, including loss forecasts and profitability analysis - Governance & Reporting - Draft underwriting and risk documentation - Support bank partners on model validation and governance - Report KPIs and risk performance to senior management regularly - Advisory & Cross-Functional Leadership - Serve as a risk consultant to bank partners and customers — recommending improvements to credit strategies - Collaborate across Banking, Product, Finance, and Capital Markets as an internal strategic resource and external-facing advisor Qualifications - 8+ years building credit card risk and pricing programs, ideally at a fintech — across consumer and/or commercial underwriting - Proven ownership across the full credit card lifecycle: - Credit policy and risk strategy development, monitoring, and adjustment - Approval, line assignment, and pricing strategy design - Risk assessments for prospective partners - Acquisition strategy across card programs - Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field Requirements - Expert in Excel and SQL modeling - Comfortable using data to build alignment across stakeholders with competing priorities - Experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers - Exceptional communicator — able to translate complex credit concepts for executive, partner, and cross-functional audiences (written and verbal) - Comfortable in a build environment — moves fluidly between strategy and execution without a large supporting team - Thrives in fast-paced, dynamic settings with shifting priorities - Demonstrated ability to adapt credit strategies in response to portfolio performance changes or macroeconomic conditions 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