Experienced Software Engineer, Plaid
Risk Engineering
$182.5-297k
Infrastructure and APIs for FinTech
Be an early applicant
Infrastructure and APIs for FinTech
1001+ employees
Be an early applicant
$182.5-297k
1001+ employees
Company mission
Plaid's mission is to unlock financial freedom for everyone.
Role
Who you are
- 6+ years of experience with extensive experience in software engineering with a proven track record of shipping successful projects
- Experience in the Fraud & Risk Engineering domain with hands-on experience building end to end risk solutions
- Excellent coding, testing and system design skills
- Excellent analytical and problem solving skills
- Experience working with product, design, data science and ML
- [Nice to have] Experience in productionizing ML models
- [Nice to have] Experience in shipping 0 to 1 projects
- [Nice to have] Experience in data intensive systems, graph data models
What the job involves
- The Consumer Risk team is responsible for protecting Plaid and our ecosystem against fraud and abuse activities by building risk defense solutions and capabilities to detect and mitigate abuse across all Plaid products
- You will develop risk defenses to help Plaid detect and mitigate abusive activities across products
- You’ll build tailored risk systems and work with product teams to implement defenses that benefit the broader ecosystem
- You’ll partner with data scientists, machine learning engineers, product managers, and other cross-functional teams to derive risk insights, improve product features, and respond to fraud challenges across the ecosystem
- You’ll influence product direction to enhance resilience against fraud and abuse, solving complex problems by navigating organizational and technical challenges with innovative solutions
- Responsible for ensuring success in our mission to protect Plaid’s products, consumers, and the broader ecosystem against fraud and abuse. You will lead and directly contribute to the critical fraud domain, driving multi-quarter, cross-team, and cross-service technical projects
- Gain extensive collaboration opportunities with cross-functional leaders across the company—including Risk, Security, Legal, GTM, and Beacon—helping to influence product strategies and directions across all Plaid products
- Work to automate how operations teams review and respond to new or ongoing attacks
Our take
Plaid builds infrastructure that allows a consumer to interact with their bank account on the web through a number of third-party applications, like Venmo, Robinhood, Coinbase, Acorns and LendingClub.
Plaid has integrated with 12,000 financial institutions in the US, Canada, the UK and Europe. About a quarter of people living in North America with bank accounts have linked with Plaid through at least one of the hundreds of apps that leverage Plaid’s application program interfaces (APIs). The platform allows companies to create financial services applications without having to hire their own team of engineers to build out a tool that connects apps to its users’ bank accounts.
This is very valuable in a world where there are increasing number of fintechs, so the demand for Plaid's services are only going to grow. Despite its strong position, it has not been immune to the difficult global economic situtation and was forced to restructure at the end of 2022, laying off some of its workforce. However it is still experiencing growth and is well-positioned to weather the current economic uncertainty.
Steph
Company Specialist at Welcome to the Jungle
Insights
Few candidates hear
back within 2 weeks
40% female employees
-15% employee growth in 12 months
Company
Employee endorsements
Opportunities to learn
"Lots of opportunities to grow within your space, the teams in Plaid Europe are small which means you are getting exposure to areas you may not in..."
Funding (last 2 of 5 rounds)
Apr 2021
$425m
SERIES D
Dec 2018
$250m
SERIES C
Total funding: $734.3m
Company benefits
- Monthly wellness stipend (gym on us)
- We offer breakfast, lunch, and dinner to keep you well-fed and healthy (when working from the office)
- From medical, life, dental and pension schemes, we’re here to support your physical, mental, and financial wellbeing
- We want everyone to feel ownership over their work - literally, which is why we offer equity to full-time Plaids
- Every Plaid is in control of their career development with our learning stipends, tools, and trainings
- We give Plaids the freedom and flexibility to choose where they work - whether that is in a Plaid office, at home in any supported location, or a mix of both!
- Two weeks of synchronous, company-wide vacation
- We want to make sure you have time to meet your personal needs with unlimited PTO
Company values
- Impact - We are building a company in order to create outcomes for consumers, and for our customers. The work we do is focused on creating extraordinary results for both. We choose what we work on and measure ourselves by the lasting impact created.
- Grow, together - We constantly strive to learn and improve — as individuals, as a team, and as a company. We foster a culture of feedback, delivered frequently and empathetically. We are each responsible for our own growth, and for the growth of those around us.
- Embrace openness and positivity - These characteristics play an important role in how we interact with each other, and how we represent ourselves to the world. We are intentional with our openness (or clear when we cannot be), and we approach our relationships and challenges with optimism.
- Think rigorously; act with urgency - We work diligently to make sound decisions — but we also recognise that speed matters. We move with urgency to bring our work to the world.
- Make it better - Each of us is an owner of Plaid. We are committed to continuous improvement and leaving things better than we found them. It is not perfection we seek, but valuable, pragmatic improvements to our products, our company, and our craft.
- Consumer outcomes via customer love - Plaid exists to improve outcomes for consumers. The primary way we achieve this is through the love and loyalty of our customers. We work with and through our customers, always with the best interest of the consumer in mind
- Invent tomorrow - We think big and take responsibility for creating the financial ecosystem we want to exist. We don’t wait to see what the future will bring; we create it ourselves
Company HQ
SoMa, San Francisco, CA
Articles
Leadership
Zach Perret
(CEO)He was a Consultant at Bain and previously a Research Fellow and Trustee at Duke before co-founding Plaid
William Hockey
(Board Director)He was previously an associate at Bain and has since moved on from Plaid to become Co-CEO at Column
Diversity, Equity & Inclusion at Plaid
Andrea Cruz (DEIB Program Manager)
- We are promoting equity by continuing to build employee programs to attract and keep talent growing and thriving at Plaid.
- We foster inclusion by offering annual DEIB education.
- We are building belonging with our four Plaid Community Groups: Plaids of Colour, Plaids of Faith, PLGBTQ+ and Women+.
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