Engineering

Experienced Software Engineer, Payments Risk

San Francisco | 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. #LI-Hybrid

The Payment Risk team is responsible for developing a suite of risk products for Plaid’s customers to manage risk in bank payments. This team delivers sophisticated risk predictions as well as direct signals through public APIs that customers use to understand and manage risk on their payment flows.

As a Software Engineer on the payment risk team, you will work on developing and improving risk products used by Plaid’s customers. You will develop new product functionalities, and improve scalability and reliability of our services. You will also work on tooling and infrastructure that facilitate the development of risk features and models used in our risk products. Your work will contribute to the rapid growth of a suite of innovative products.

Responsibilities

  • Work closely with a cross-functional team to understand product requirements and legal constraints to build next-generation bank payment risk products. 
  • Build products with real impact: your work will touch tens of millions of end-users, the best applications in FinTech, and major financial institutions.
  • Develop highly available, reliable and low-latency systems.
  • Develop tools and infrastructure for quick iteration on machine learning features and models.
  • Passionate about applying Machine Learning to real-world problems, especially financial fraud.
  • Technical leadership in engineering excellence and mentorship

Qualifications

  • 4+ years of software engineering experience. 
  • End-to-end process ownership and customer obsession.
  • Bonus, experience in building production infrastructure for machine learning feature engineering or model training, evaluation, and deployment.

Target base Salary for this role is $162,000- $243,000 per year. Additional compensation in the form(s) of equity and/or commission are 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.

San Francisco Office

Our headquarters is in sunny SOMA and includes a beautiful sun-filled atrium, a private outdoor deck and even a (semi-hidden) climbing wall.

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