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 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 infrastructure developers need 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 and 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 11,000 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.

Risk Engineering is a highly cross-functional team dedicated to building the defenses, systems and user flows needed 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 rules and machine learning models that detect high-risk behavior on the platform, as well as the mitigation tools we need in order to quickly respond to attacks. You’ll work with teams across Plaid to define and implement new defenses as our business evolves and new trends surface. 

What excites you

  • Building systems that help protect Plaid, customers, and consumers from nefarious behavior.
  • Collaborating with teams across Plaid to define and implement risk policies.
  • Working across the stack backend to frontend, as well as on mobile to understand risk end-to-end.
  • Helping automate how operation teams review and respond to new or ongoing attacks.

What excites us

  • Understanding and prioritizing risk vectors quantitatively.
  • Ability to work with technical and non-technical teams.
  • Successful projects across the engineering stack that tackle fraud, abuse, spam, or trust and safety at scale.
  • Ability to balance between reducing risk and enabling business growth.

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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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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Angela Zhang - Engineering Manager

Plaid engineering manager Angela Zhang has a penchant for pushing herself to learn and grow, but she never loses track of the team or having fun in the process.

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