ACH Payment Operations

United States | Full-time

We evaluate what to pursue, craft strategies to maximize impact, and help teams deliver market success.

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

We’re looking for an experienced ACH Payment Operations team member to join the Transfers & Payments team. Our team is responsible for Plaid’s suite of money transfer products and our mission is to reimagine how millions of consumers and fintechs move money in a convenient and secure way. Our service is depended on by companies to power their ACH payment needs and is growing rapidly, and we’re looking to scale our operations team to support the business! 

What excites you:

  • Using your subject matter expertise and experience to help influence how things are done and improve efficiency and efficacy
  • Partnering with other teams and functions to improve efficiency, productivity, and performance
  • Ensuring that day-to-day payments operations processes are completed at high quality, resulting in minimal payment exceptions and timely processing while mitigating risk 
  • Developing and tracking key metrics to drive execution and identify opportunities for operational improvement
  • Creating new processes and operational playbooks, and improving existing ones 
  • Ensuring ODFI, RDFI, Nacha and other expectations are met timely by performing job duties effectively
  • Creating monthly reports to internal stakeholders and banking partners
  • Working directly with Plaid customers to resolve issues; gathering customer needs and working with various teams to address
  • Leading research related to inbound client inquiries on end user transactions to ensure they are resolved quickly and efficiently

What excites us:

  • You have at least 10 years of relevant experience in payment operations (even better if you have experience at a high-growth fintech startup), including a deep familiarity with the Nacha Operating Rules. 
  • You love ACH payments and are an AAP
  • You have a strong understanding of ACH originations, returns, settlements and have direct experience in performing daily tasks on an ACH operations team
  • You can represent Plaid, communicating effectively with customers, partners, regulators
  • You love being prepared; you’re organized. You deploy processes and playbooks so that we can all sleep well at night. 
  • You roll up your sleeves to get the job done
  • You have the numbers to back it up: a track record of setting and meeting/exceeding operational metrics
  • You have a growth mindset, always looking to learn and improve
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

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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Kevin Hu - Data Scientist

A data scientist at Plaid since March 2017, Kevin Hu is busy pursuing his dream of building things that matter. Here, he talks math contests, cats of Instagram, and the collaborative nirvana that is “group sound.”

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