Experienced Software Engineer - Machine Learning (Risk)

Remote | 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, Salt Lake City, Washington D.C., London and Amsterdam. #LI-Remote

Risk Engineering is a highly cross-functional team dedicated to building the risk defenses, distributed systems and optimized user flows to mitigate financial losses, protect consumers, and ensure Plaid’s customers are compliant with regulatory and financial institution requirements.

In this role, you will be responsible for building the heuristic rules and machine learning models that detect high-risk behavior for all products Plaid is offering, as well as designing and evolving the ML infrastructure shared by the risk and compliance engineering team. You’ll work with teams across Plaid to define the ML roadmap in the long term.

What excites you

  • Build with impact. Your work will empower millions of users through well-known and emerging Fintech Applications with access to financial services.
  • Apply ML technique to real world financial fraud and compliance problems under various scenarios. 
  • Work on both 0-1 stage problems as well as 1-10.
  • Develop ML models in a full lifecycle, from offline training to online serving and monitoring. 
  • Enable faster and safer product launches from the Risk and Compliance perspective.
  • Collaborate with teams across Plaid to define ML roadmap.
  • Dive deep into data and apply data driven decisions in day-to-day work.

What excites us

  • 5+ years in building data intensive backend applications in large distributed systems.
  • 3+ years in training and serving ML models in a production environment.
  • Experience with payments, risk, compliance, and fraud detection. 
  • Ability to code and iterate independently on top of data infrastructure tools like Python, Spark, Jupyter notebooks, standard ML libraries, etc.
  • Take pride in taking ownership and driving projects to business impact.
  • Data analytics and data engineering experience is a plus.
  • Ability to work with technical and non-technical teams
  • Bachelor's degree or equivalent work experience in Computer Science, Mathematics, Engineering, Economics, or a closely related field.
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
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