Engineering Manager - Payment Risk

Engineering

New York

Full-time

We build simple yet innovative consumer products and developer APIs that shape how everybody interacts with money and the financial system.

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam.

Bank payments is the top way that money is moved in the US, with over $86 trillion moved over ACH in 2024. Many of these transactions are subject to risk from various sources, including liquidity, fraud, and abuse, which leads to losses and bad experiences for businesses and consumers alike.

Plaid’s Payment Risk team is building the future of bank payment risk tools and solutions, with the current version of our products already in heavy use by many of the largest names in fintech and beyond. We use proprietary AI and ML solutions to offer intelligent insights and decisions that save our customers billions of dollars, and are heavily investing in improving the power and reach of these solutions.

While this team directly owns customer-facing APIs, we are also responsible for integrating these solutions into Plaid’s own money movement products. We build across the stack, including data & ML infrastructure, distributed backend systems, APIs and customer-facing tooling & insights.

In this role, you will lead a team of engineers responsible for building and maintaining the infrastructure and systems that power both the offline and online components of the Signal Risk Platform. This role involves close partnership with the ML and data science team developing the AI and ML models that generate the transaction risk scores for customers, as well as collaboration with product counterparts to define the strategy, vision, and concrete roadmaps for both areas. A key part of your work will be to design and build APIs and Dashboard experiences used by thousands of Plaid customers, and to partner with the engineering team on technical planning and execution, ensuring the platform maintains high reliability (many 9's) and performs up to customer expectations for critical money movement flows.

Responsibilities

Set and execute on technical strategy across systems, data, and ML infrastructure.
Set and maintain a high bar for quality and velocity for your team, leading by example and getting in the weeds of what your team is building.
Set and hit ambitious goals that represent delivering value to our customers and building robust foundations.
Hire, mentor and grow engineers across a range of seniority levels.
Run team process, including micro and macro-execution and collaboration across functions & teams.

Requirements

2+ years of engineering management experience with significant experience as a software engineer.
Experience owning a production product and working with a product manager and/or business partners to drive business impact.
Deep experience with distributed architecture and systems.
Track record of building and growing high performing engineering teams.
Experience working with machine learning-based technology and/or products, including knowledge of ML & data data infrastructure.

$214,800.00 - $366,000.00 per year

Target base salary for this role is between $214,800 and $366,000 per year. Additional compensation in the form of equity and/or commission is dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com.

Please review our Candidate Privacy Notice here.

Other opportunities

London
Engineering Manager - Europe
See role
London
Staff Software Engineer - Europe
See role
New York
Data Scientist - Fraud
See role
New York
Data Scientist - Network Value
See role
New York
Engineering Manager - Data Partner Experience
See role
New York
Experienced Engineering Manager - Customer Growth & Experience
See role
New York
Macro & Credit Research Economist
See role
New York
Senior Data Scientist - Data Foundations & AI
See role
New York
Senior Data Scientist - Payments
See role
New York
Senior Data Scientist - Payments ACH
See role
New York
Senior Developer Relations Engineer - Customer Growth and Experience
See role
New York
Senior Machine Learning Engineer - Fraud (Research Scientist)
See role
New York
Senior Machine Learning Engineer - Payments
See role
New York
Senior Software Engineer - Backend
See role
New York
Senior Software Engineer - Fullstack
See role
New York
Software Engineer
See role
New York
Software Engineer - Platform
See role
New York
Staff Software Engineer - Money Movement
See role
New York
Staff Software Engineer - Product Foundations
See role
New York
Staff Technical Program Manager - FinOps
See role
Raleigh-Durham
Data Scientist - Fraud
See role
San Francisco
Data Engineer - Data Engineering
See role
San Francisco
Data Scientist - Fraud
See role
San Francisco
Data Scientist - Network Value
See role
San Francisco
Engineering Manager - Consumer
See role
San Francisco
Engineering Manager - Credit Distribution
See role
San Francisco
Engineering Manager - Intelligent Tooling
See role
San Francisco
Engineering Manager - Machine Learning Infrastructure
See role
San Francisco
Experienced Engineering Manager - Customer Growth & Experience
See role
San Francisco
Macro & Credit Research Economist
See role
San Francisco
Senior Data Engineer - Data Engineering
See role
San Francisco
Senior Data Scientist - Data Foundations & AI
See role
San Francisco
Senior Data Scientist - Payments
See role
San Francisco
Senior Data Scientist - Payments ACH
See role
San Francisco
Senior Developer Relations Engineer - Customer Growth and Experience
See role
San Francisco
Senior Machine Learning Engineer - Fraud (Research Scientist)
See role
San Francisco
Senior Machine Learning Engineer - Payments
See role
San Francisco
Senior Software Engineer - AI Applications
See role
San Francisco
Senior Software Engineer - Backend
See role
San Francisco
Senior Software Engineer - Data Infrastructure
See role
San Francisco
Senior Software Engineer - Fullstack
See role
San Francisco
Senior Software Engineer - ML Infrastructure
See role
San Francisco
Senior Software Engineer - Network Enablement (Applied ML)
See role
San Francisco
Software Engineer
See role
San Francisco
Software Engineer - Platform
See role
San Francisco
Staff Software Engineer - AI Applications
See role
San Francisco
Staff Software Engineer - Money Movement
See role
San Francisco
Staff Software Engineer - Online Storage
See role
San Francisco
Staff Software Engineer - Product Foundations
See role
San Francisco
Staff Technical Program Manager - FinOps
See role
Seattle, WA
Data Scientist - Fraud
See role
Seattle, WA
Engineering Manager - Credit Distribution
See role
Seattle, WA
Senior Data Engineer - Data Engineering
See role
Seattle, WA
Senior Data Scientist - Data Foundations & AI
See role
Seattle, WA
Senior Data Scientist - Payments
See role
Seattle, WA
Senior Data Scientist - Payments ACH
See role
Seattle, WA
Senior Developer Relations Engineer - Customer Growth and Experience
See role
Seattle, WA
Senior Machine Learning Engineer - Fraud (Research Scientist)
See role
Seattle, WA
Senior Machine Learning Engineer - Payments
See role
Seattle, WA
Senior Software Engineer - Backend
See role
Seattle, WA
Senior Software Engineer - Data Infrastructure
See role
Seattle, WA
Senior Software Engineer - Fullstack
See role
Seattle, WA
Software Engineer
See role
Seattle, WA
Staff Software Engineer - Money Movement
See role
Seattle, WA
Staff Software Engineer - Online Storage
See role
Seattle, WA
Staff Technical Program Manager - FinOps
See role
United States
Senior Developer Relations Engineer - Customer Growth and Experience
See role
United States
Senior Machine Learning Engineer - Fraud (Research Scientist)
See role