Senior Manager, Software Engineering - Risk, Fraud and Disputes at Mqreferrals

As Marqeta's Senior Manager, Software Engineering within our Risk, Fraud and Disputes pod, you will lead the design, development, and execution of issuer-side disputes across card networks and multiple payment rails. You will be responsible for building and operating systems that manage cardholder disputes, chargeback lifecycles, network rules, evidence workflows, and regulatory timelines. This is a hands-on leadership role for someone with deep experience in disputes and chargebacks who is AI-first, takes full ownership of outcomes, and is comfortable engaging directly with enterprise customers and networks to resolve complex dispute scenarios. We work Flexible First. This role can be performed remotely anywhere within the United States or from our Oakland office. We'd love for you to join us to shape the future of payments dispute resolution. The Impact You'll Have • Own the end-to-end issuer dispute lifecycle, ensuring timely, accurate, and compliant resolution of cardholder disputes. • Drive AI-first automation, reducing manual handling and increasing efficiency across dispute classification, evidence management, and prioritization. • Lead and mentor a high-performing team, improving engineering velocity and system reliability through intelligent workflows and automation. • Act as the technical and business-facing leader in customer and network escalations, translating real-world issues into system improvements. • Partner cross-functionally with Risk, Compliance, Product, Operations, and Legal to shape platform roadmap and dispute strategies. Who You Are • Experienced engineering leader (8–12+ years in engineering, 4+ years managing senior engineers or managers). • Hands-on AI-first mindset: you embrace AI/ML to improve team velocity, drive automation, and reduce manual work. • Strong ownership mentality — you thrive in ambiguity and take full responsibility for outcomes. • Deep understanding of issuer-side card and money movement disputes, including network flows (Visa, Mastercard, Discover, AmEx) and timelines. • Comfortable customer- and network-facing, translating technical details into actionable insights. • Excellent communicator who can lead cross-functional initiatives and influence stakeholders. Nice to haves • Experience integrating with network APIs e.g. ISO 8583 . • Background in fintech issuing platforms, core banking, or payments operations. • Prior ownership of dispute automation initiatives that materially reduced manual effort or losses. • Familiarity with Regulatory obligations (e.g., Reg E, PSD2 chargeback rules) in card issuing. What Success looks like • Issuer dispute resolution timelines consistently meet or exceed network SLAs. • Manual dispute handling is materially reduced via AI-driven workflows. • Loss rates decline through better classification, evidence, and prioritization. • Engineering team velocity improves through automation and AI-assisted workflows. • Customers and issuing partners view the team as trusted experts. • Clear ownership, accountability, and operational excellence across dispute systems. Your Manager • Ashok Agrawal, Senior Director, Software Engineering Recruiter For This Role • Prashant Our (typical) process: • Application submission • Recruiter video call • Hiring Manager Interview • Virtual “Onsite” consisting of three-four 45-60 minute rounds (1 Pair Programming Interview included) • 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. 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: $200,500- $250,600 • Premium: $210,200 $262,800 • Premium Plus: $220,000 - $275,000 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