Payment Risk Strategist, Plaid
$190.1-262.8k
Offers equity
1-5 days a week in office (Harrison Street, CA)
Data network powering the tools millions of people rely on to live a healthier financial life
Be an early applicant
Data network powering the tools millions of people rely on to live a healthier financial life
1001+ employees
Be an early applicant
$190.1-262.8k
Offers equity
1-5 days a week in office (Harrison Street, CA)
1001+ employees
Company mission
To unlock financial freedom for everyone.
Role
Who you are
- 5–10 years of experience
- Comfortable pulling and cutting your own data (SQL)
- Experience interpreting risk, decisioning, or other quantitative model outputs
- Experience diagnosing performance problems and making data-backed threshold or rules recommendations
- Strong customer-facing consulting and communication skills
- Experience partnering across go-to-market and technical teams
- Demonstrated ability to build repeatable processes in an ambiguous environment
- [Nice to have] Experience at a fraud or risk-scoring vendor, credit bureau, or bank / processor risk team
- [Nice to have] Familiarity with cash flow or bank transaction data
- 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!
What the job involves
- Our Payments Risk team builds and operates decisioning capabilities across Signal and Guarantee. We help customers tune thresholds and rules so they can approve more good transactions while reducing returns. For Guarantee, this work also protects the economics of the risk Plaid underwrites
- You will be the technical, customer-facing Payment Risk Strategist for Signal and Guarantee. You will interpret model outputs, diagnose customer performance, and turn that analysis into concrete threshold and rules recommendations. You will own proofs of concept and retros, improve existing integrations, and help the team identify patterns that can be scaled through better processes and product capabilities
- Own customer proofs of concept and retros from analysis through recommendations and follow-through
- Proactively optimize Signal customers, prioritizing accounts with high return rates
- Read model outputs and diagnose the drivers of authorization and return-rate performance
- Recommend threshold and rules changes that align with each customer's risk and authorization goals
- Help Guarantee customers tune thresholds to achieve target authorization rates while protecting loss performance
- Partner with AEs and TAMs to bring deep product and modeling expertise into customer engagements
- Improve decision and return reporting from customers to strengthen their experience and Plaid's models
- Turn recurring customer insights into onboarding playbooks and product requirements
Our take
Plaid builds infrastructure that allows consumers 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 over 12,000 financial institutions in the US, Canada, the UK and Europe. And 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.
Steph
Company Specialist at Welcome to the Jungle
Insights
Company
Funding (last 2 of 6 rounds)
Apr 2025
$575m
LATE VC
Apr 2021
$425m
SERIES D
Total funding: $1.3bn
Company benefits
- Vibrant offices in SF, NYC, and Raleigh-Durham—with catered meals, happy hours, and clubs to keep you connected
- Competitive pay, comprehensive health benefits, and support for fertility, mental health, and parental leave
- Lifestyle perks including home office stipends, daycare support, and commuting benefits like CitiBike and Lyft
Company HQ
SoMa, San Francisco, CA
Leadership
Zach Perret
(Co-Founder & CEO)Previously, Zach was a Consultant at Bain and a Research Fellow and Trustee at Duke before co-founding Plaid ion 2012.
Salary benchmarks
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