Senior Product Manager, 3D Secure

at Marqeta

United States, Remote

Marqeta is hiring for a Senior Product Manager - 3D Secure role to join the Risk, Fraud and Disputes Team. As a Product Manager, you will own the 3D Secure authentication solutions for Marqeta. You will be in charge of challenging the status quo and creating a revolutionary authentication experience at Marqeta. You will strike the right balance between enhancing security while minimizing customer friction. You will be an experienced payments professional with a deep understanding of 3D Secure protocols and authentication product development. You will partner with a diverse set of teams including engineering, data science, risk operations, legal, GTM and marketing.

We work Flexible First. This role can be performed remote within the United States. We’d love for you to join us.

The Impact You’ll Have

Define and execute a clear, actionable strategy that aligns with the company's overall growth objectives.
Lead and inspire others with a compelling product vision and roadmap, driving alignment and seeking consensus among leadership, peers, and teams
Deeply understand the 3D Secure ecosystem, including EMV 3DS specifications, issuer and merchant requirements, and the competitive landscape of authentication solutions. This includes expertise in strong customer authentication (SCA) requirements, particularly for regulatory compliance like PSD2 in Europe.
Develop frictionless authentication solutions that balance security with user experience, addressing both merchant and issuer needs while ensuring regulatory compliance. Work cross functionally to ensure optimal implementation and customer success.
Drive the adoption and optimization of 3D Secure solutions, balancing authentication approval rates, fraud prevention, and customer experience metrics while keeping regulatory compliance and financial outcomes top of mind.
Represent Marqeta in industry events as a thought leader in secure authentication. Be an expert on the evolution of 3D Secure standards, emerging biometric authentication methods, and the regulatory landscape affecting authentication across different payment types.
Collaborate across customer-facing and technical teams to collect inputs for prioritization of features, including value, effort, usability, and priority
Create well-defined Product Requirement Documents focusing on customer and business value and defining metrics to quantify success
Deliver customer value iteratively, managing products through various launch phases and follow-on releases.
Act as technical advisor to educate and evangelize feature(s) with customers via meetings, presentations, and other forums
Collaborate with go-to-market partners to develop product collateral, presentations, trainings, and other tools to bring products to customers and prospects
Bring context to the team and organization on the industry and customer life cycle
Identify critical metrics to assess success and performance of products, in ways that resonate with the business

Who You Are

5+ years in product management roles designing and delivering authentication solutions that have delighted customers and driven business growth
Proven track record of setting vision and strategy for a product area and translating it into a roadmap with rigorous end-to-end execution
Experience collaborating with cross-functional teams and stakeholders, with strong communication and influencing skills
Strong written and verbal communication skills with a talent for precise articulations of customer problems for technical and business audiences
Proficient in identifying key metrics, analyzing data, and balancing quantitative and qualitative information to make decisions
"Roll up your sleeves" mentality to make your products and team successful, seeking root causes, assigning ownership, and driving accountability to get things done
Creativity and customer empathy to translate features or functions into user flows, experiences, or value propositions that can generate new products
Creativity to propose 0->1 features and solutions, working without clear direction

Nice-To-Haves

Deep knowledge of the 3D Secure protocols (especially EMV 3DS 2.x), card network authentication programs, and regulatory requirements like PSD2's Strong Customer Authentication (SCA) mandates.
Experience with implementing or managing authentication solutions in a financial services or payments environment
Strong technical acumen, curiosity, and familiarity with new technologies, API's, programming languages, and databases
Experience with high-volume authentication systems and optimizing approval rates while managing fraud risk
Knowledge of biometric authentication methods, tokenization, and modern identity verification techniques

Your Manager

Sameer Patwary, Senior Director, Product Management

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. 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: $118,100 - $147,600
Premium: $127,800 - $159,700
Premium Plus: $138,900 - $173,600

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 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.