Careers at PLAID,Inc.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. The Fraud Data team at Plaid builds the machine learning systems that power Plaid’s fraud detection products, leveraging insights from across Plaid’s network to help identify and stop fraud before it happens. Our team works across the full data science and machine learning lifecycle—from discovering new signals and experimenting with models to deploying and optimizing them in production. We continuously learn from real-world model performance and customer feedback to improve our systems and develop new ways to protect customers and consumers from evolving fraud threats. As a Senior Machine Learning Engineer on Plaid's Fraud Data team, you will develop models that improve fraud detection for our customers. You will identify predictive patterns in Plaid's network data and lead projects from initial experiments through model deployment and ongoing improvement. Investigate fraud patterns and model errors to identify new signals, improve detection, and expand coverage across customers and use cases. Develop training datasets and predictive features, addressing challenges such as incomplete labels, class imbalance, data leakage, and changing fraud behavior. Design, train, and tune models using traditional and modern ML methods, including gradient-boosted trees and neural networks, and evaluate newer architectures against existing approaches. Design experiments to test features and models, comparing performance across time periods and customer segments using agreed detection and false-positive metrics. Build data and training pipelines that support reproducible experiments and efficient iteration on features and models. Deploy models with Engineering and ML Infrastructure partners, balancing detection quality, latency, cost, and reliability. Independently lead ML projects, agreeing on priorities and evaluation metrics with Data Science and Product and coordinating work through model release. Responsibilities: Build hands-on machine learning expertise across the full ML lifecycle, from feature engineering and experimentation to model deployment. Take models from initial experimentation through production and evaluate their impact using real-world customer outcomes. Develop experience building and scaling reliable ML systems in production. Explore how LLMs and Generative AI can improve fraud detection, prevention, and investigation. Accelerate your career in a fast-paced environment with opportunities to take ownership, solve complex problems, and make a meaningful impact. Qualifications: 7+ years of professional experience in machine learning, applied science, or software engineering for ML, including hands-on model development and deployment. Hands-on experience designing, training, tuning, and deploying models, and measuring improvements in production performance or business metrics. Strong ML and statistical fundamentals, including feature engineering, experiment design, model evaluation, and diagnosing why a model underperforms. Strong understanding of the strengths, limitations, and applications for both traditional and modern ML methods, including gradient-boosted trees and neural networks. Experience constructing training datasets and addressing label quality, data leakage, class imbalance, and generalization across time periods or populations. Strong Python skills, SQL proficiency for working with training and evaluation data, and hands-on experience with ML frameworks such as PyTorch, scikit-learn, XGBoost, or equivalents. Experience independently leading ML projects from an open-ended problem through deployment, coordinating requirements and model releases with Data Science, Product, and Engineering. Nice-to-Have: Strongly preferred: Fraud or risk modeling experience, including familiarity with fraud patterns, delayed feedback, and the tradeoff between fraud detection and legitimate-user friction. Experience developing models that generalize across customers with different data and behavior patterns. Experience using graph-based systems to extract predictive signals, uncover fraud patterns, and improve fraud model performance. Experience applying newer modeling approaches, such as learned representations, transformers, or foundation models, to improve a production ML use case. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. The Fraud Data team at Plaid builds the machine learning systems that power Plaid’s fraud detection products, leveraging insights from across Plaid’s network to help identify and stop fraud before it happens. Our team works across the full data science and machine learning lifecycle—from discovering new signals and experimenting with models to deploying and optimizing them in production. We continuously learn from real-world model performance and customer feedback to improve our systems and develop new ways to protect customers and consumers from evolving fraud threats. As a Senior Machine Learning Engineer on Plaid's Fraud Data team, you will develop models that improve fraud detection for our customers. You will identify predictive patterns in Plaid's network data and lead projects from initial experiments through model deployment and ongoing improvement. Investigate fraud patterns and model errors to identify new signals, improve detection, and expand coverage across customers and use cases. Develop training datasets and predictive features, addressing challenges such as incomplete labels, class imbalance, data leakage, and changing fraud behavior. Design, train, and tune models using traditional and modern ML methods, including gradient-boosted trees and neural networks, and evaluate newer architectures against existing approaches. Design experiments to test features and models, comparing performance across time periods and customer segments using agreed detection and false-positive metrics. Build data and training pipelines that support reproducible experiments and efficient iteration on features and models. Deploy models with Engineering and ML Infrastructure partners, balancing detection quality, latency, cost, and reliability. Independently lead ML projects, agreeing on priorities and evaluation metrics with Data Science and Product and coordinating work through model release. Responsibilities: Build hands-on machine learning expertise across the full ML lifecycle, from feature engineering and experimentation to model deployment. Take models from initial experimentation through production and evaluate their impact using real-world customer outcomes. Develop experience building and scaling reliable ML systems in production. Explore how LLMs and Generative AI can improve fraud detection, prevention, and investigation. Accelerate your career in a fast-paced environment with opportunities to take ownership, solve complex problems, and make a meaningful impact. Qualifications: 7+ years of professional experience in machine learning, applied science, or software engineering for ML, including hands-on model development and deployment. Hands-on experience designing, training, tuning, and deploying models, and measuring improvements in production performance or business metrics. Strong ML and statistical fundamentals, including feature engineering, experiment design, model evaluation, and diagnosing why a model underperforms. Strong understanding of the strengths, limitations, and applications for both traditional and modern ML methods, including gradient-boosted trees and neural networks. Experience constructing training datasets and addressing label quality, data leakage, class imbalance, and generalization across time periods or populations. Strong Python skills, SQL proficiency for working with training and evaluation data, and hands-on experience with ML frameworks such as PyTorch, scikit-learn, XGBoost, or equivalents. Experience independently leading ML projects from an open-ended problem through deployment, coordinating requirements and model releases with Data Science, Product, and Engineering. Nice-to-Have: Strongly preferred: Fraud or risk modeling experience, including familiarity with fraud patterns, delayed feedback, and the tradeoff between fraud detection and legitimate-user friction. Experience developing models that generalize across customers with different data and behavior patterns. Experience using graph-based systems to extract predictive signals, uncover fraud patterns, and improve fraud model performance. Experience applying newer modeling approaches, such as learned representations, transformers, or foundation models, to improve a production ML use case. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. About the Team At Embedded Insights, we find the best machine learning opportunities for external products and internal systems, and collaborate with cross-functional partners to bring them to life. We are a central team of Machine Learning Engineers and Data Scientists. We embed with partner teams to build and apply machine learning models that improve internal decision-making and power the Plaid product suite. About the Role You will be the first Data Scientist on the Embedded Insights team, part of Plaid’s Data organization. You will establish the analytics and metrics backbone for a team supporting a diverse set of internal and external products. You will help drive better decision-making, support machine learning model development, and contribute directly to the health of the Plaid network and the quality of Plaid’s products. Your day-to-day work will include: Analyzing entities across the Plaid network to understand behavior and identify opportunities, anomalies, and risks. Creating foundational metrics, dashboards, and monitoring systems that provide a clear view of network health and machine learning model performance. Evaluating the value and performance of machine learning models using customer and internal data. Identifying opportunities to improve existing models and translating findings into clear, actionable narratives for product and engineering leaders. Designing experiments, defining success metrics and guardrails, analyzing results, and communicating recommendations to stakeholders. Analyzing Plaid product and customer data to identify opportunities for product improvement and expansion. Partnering with cross-functional teams to build reliable data models and analytics workflows. What Excites You Applying quantitative analysis, data mining, and data visualization to help keep the Plaid network healthy and improve our product suite. Informing and influencing product and engineering teams through rigorous analysis, thoughtful presentations, and clear recommendations. Turning ambiguous business questions into structured analytical approaches and measurable outcomes. Helping shape long-term data science and machine learning roadmaps, including how teams iterate, evaluate, and make decisions. Establishing analytics practices and frameworks from the ground up as the team’s first Data Scientist. Championing a data-first approach to decision-making across Plaid. What Excites Us 6+ years of industry experience in Data Science or a related analytics role. Deep familiarity with SQL and data visualization tools. Understanding of modern machine learning techniques, such as classification, clustering, and optimization. Experience evaluating model performance, identifying opportunities for improvement, and connecting technical results to business outcomes. Proven ability to tailor analytical solutions to business problems while working with cross-functional partners. Ability to code and iterate independently in Python, particularly for exploratory data analysis. Strong written and verbal communication skills, including the ability to explain analytical methods, tradeoffs, and recommendations to technical and non-technical audiences. Experience building or partnering on data pipelines using dbt or Airflow is a plus. Bachelor’s degree or equivalent work experience in Computer Science, Statistics, Engineering, Economics, or a closely related field. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. About the Team At Embedded Insights, we find the best machine learning opportunities for external products and internal systems, and collaborate with cross-functional partners to bring them to life. We are a central team of Machine Learning Engineers and Data Scientists. We embed with partner teams to build and apply machine learning models that improve internal decision-making and power the Plaid product suite. About the Role You will be the first Data Scientist on the Embedded Insights team, part of Plaid’s Data organization. You will establish the analytics and metrics backbone for a team supporting a diverse set of internal and external products. You will help drive better decision-making, support machine learning model development, and contribute directly to the health of the Plaid network and the quality of Plaid’s products. Your day-to-day work will include: Analyzing entities across the Plaid network to understand behavior and identify opportunities, anomalies, and risks. Creating foundational metrics, dashboards, and monitoring systems that provide a clear view of network health and machine learning model performance. Evaluating the value and performance of machine learning models using customer and internal data. Identifying opportunities to improve existing models and translating findings into clear, actionable narratives for product and engineering leaders. Designing experiments, defining success metrics and guardrails, analyzing results, and communicating recommendations to stakeholders. Analyzing Plaid product and customer data to identify opportunities for product improvement and expansion. Partnering with cross-functional teams to build reliable data models and analytics workflows. What Excites You Applying quantitative analysis, data mining, and data visualization to help keep the Plaid network healthy and improve our product suite. Informing and influencing product and engineering teams through rigorous analysis, thoughtful presentations, and clear recommendations. Turning ambiguous business questions into structured analytical approaches and measurable outcomes. Helping shape long-term data science and machine learning roadmaps, including how teams iterate, evaluate, and make decisions. Establishing analytics practices and frameworks from the ground up as the team’s first Data Scientist. Championing a data-first approach to decision-making across Plaid. What Excites Us 6+ years of industry experience in Data Science or a related analytics role. Deep familiarity with SQL and data visualization tools. Understanding of modern machine learning techniques, such as classification, clustering, and optimization. Experience evaluating model performance, identifying opportunities for improvement, and connecting technical results to business outcomes. Proven ability to tailor analytical solutions to business problems while working with cross-functional partners. Ability to code and iterate independently in Python, particularly for exploratory data analysis. Strong written and verbal communication skills, including the ability to explain analytical methods, tradeoffs, and recommendations to technical and non-technical audiences. Experience building or partnering on data pipelines using dbt or Airflow is a plus. Bachelor’s degree or equivalent work experience in Computer Science, Statistics, Engineering, Economics, or a closely related field. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. About the Team At Embedded Insights, we find the best machine learning opportunities for external products and internal systems, and collaborate with cross-functional partners to bring them to life. We are a central team of Machine Learning Engineers and Data Scientists. We embed with partner teams to build and apply machine learning models that improve internal decision-making and power the Plaid product suite. About the Role You will be the first Data Scientist on the Embedded Insights team, part of Plaid’s Data organization. You will establish the analytics and metrics backbone for a team supporting a diverse set of internal and external products. You will help drive better decision-making, support machine learning model development, and contribute directly to the health of the Plaid network and the quality of Plaid’s products. Your day-to-day work will include: Analyzing entities across the Plaid network to understand behavior and identify opportunities, anomalies, and risks. Creating foundational metrics, dashboards, and monitoring systems that provide a clear view of network health and machine learning model performance. Evaluating the value and performance of machine learning models using customer and internal data. Identifying opportunities to improve existing models and translating findings into clear, actionable narratives for product and engineering leaders. Designing experiments, defining success metrics and guardrails, analyzing results, and communicating recommendations to stakeholders. Analyzing Plaid product and customer data to identify opportunities for product improvement and expansion. Partnering with cross-functional teams to build reliable data models and analytics workflows. What Excites You Applying quantitative analysis, data mining, and data visualization to help keep the Plaid network healthy and improve our product suite. Informing and influencing product and engineering teams through rigorous analysis, thoughtful presentations, and clear recommendations. Turning ambiguous business questions into structured analytical approaches and measurable outcomes. Helping shape long-term data science and machine learning roadmaps, including how teams iterate, evaluate, and make decisions. Establishing analytics practices and frameworks from the ground up as the team’s first Data Scientist. Championing a data-first approach to decision-making across Plaid. What Excites Us 6+ years of industry experience in Data Science or a related analytics role. Deep familiarity with SQL and data visualization tools. Understanding of modern machine learning techniques, such as classification, clustering, and optimization. Experience evaluating model performance, identifying opportunities for improvement, and connecting technical results to business outcomes. Proven ability to tailor analytical solutions to business problems while working with cross-functional partners. Ability to code and iterate independently in Python, particularly for exploratory data analysis. Strong written and verbal communication skills, including the ability to explain analytical methods, tradeoffs, and recommendations to technical and non-technical audiences. Experience building or partnering on data pipelines using dbt or Airflow is a plus. Bachelor’s degree or equivalent work experience in Computer Science, Statistics, Engineering, Economics, or a closely related field. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. About the Team The Embedded Insights team supports Plaid’s mission to build a world-class suite of intelligence products. We identify the best opportunities to use machine learning in Plaid products, prove out those opportunities, and collaborate with cross-functional partners to turn them into real-world production systems. About the Role As a Senior Machine Learning Engineer on Embedded Insights, you will help shape Plaid’s future by building machine learning-powered products and features. You will initially support the Plaid App, working on a 0-to-1 consumer-facing product and helping establish product-market fit for a new business line. You will work closely with product managers, data scientists, engineers, customers, and other machine learning engineers to translate ambiguous opportunities into effective ML systems that create measurable customer value. In supporting the Plaid App, you will: Build machine learning-based features for a 0-to-1 consumer-facing product. Partner with product managers to translate ambiguous business requirements into machine learning problems and influence product strategy and roadmap decisions. Rapidly iterate and experiment to help drive product-market fit for a new business line. Work with Data Scientists to define success metrics and guardrails for new machine learning features. Partner with MLEs across product areas to build effective data feedback loops. As a member of the broader Embedded Insights team, you will: Analyze Plaid’s unique datasets to identify high-impact opportunities for machine learning and complete proofs of concept to validate them. Embed with product teams and work closely with product and engineering partners to productionize models and deploy them in real-world, customer-facing products. Optimize and maintain the health of existing models by developing new features, identifying effective retraining cadences, and creating metrics, alerts, and dashboards to monitor performance. Communicate technical decisions, tradeoffs, and system behavior clearly to both technical and non-technical partners. What Excites You Shaping Plaid’s future as intelligence products become a core part of the company’s value proposition. Working with one of the industry’s most unique datasets and helping define how Plaid can use it to create customer value. Identifying and validating new machine learning opportunities across Plaid’s product suite. Working across multiple product areas and developing a deep understanding of Plaid’s products and customers. Building products that empower millions of people to achieve greater financial freedom and opportunity. Working closely with customers to ensure products meet their needs and demonstrate meaningful impact. Joining a high-ownership team where the greenfield opportunity is substantial. What Excites Us 6+ years of experience in machine learning, including deploying models into real-world, customer-facing systems. High agency and creativity, with experience identifying, defining, and proposing high-impact machine learning opportunities. Ability to analyze large and complex financial datasets and derive actionable insights. Experience taking machine learning systems from experimentation or proof of concept through production and ongoing improvement. Proficiency in SQL and Python, as well as data visualization and analysis tools. Ability to clearly communicate complex technical systems, decisions, tradeoffs, and outcomes to cross-functional partners. Advanced degree or equivalent work experience in Statistics, Economics, Mathematics, Data Science, or a related field. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. About the Team The Embedded Insights team supports Plaid’s mission to build a world-class suite of intelligence products. We identify the best opportunities to use machine learning in Plaid products, prove out those opportunities, and collaborate with cross-functional partners to turn them into real-world production systems. About the Role As a Senior Machine Learning Engineer on Embedded Insights, you will help shape Plaid’s future by building machine learning-powered products and features. You will initially support the Plaid App, working on a 0-to-1 consumer-facing product and helping establish product-market fit for a new business line. You will work closely with product managers, data scientists, engineers, customers, and other machine learning engineers to translate ambiguous opportunities into effective ML systems that create measurable customer value. In supporting the Plaid App, you will: Build machine learning-based features for a 0-to-1 consumer-facing product. Partner with product managers to translate ambiguous business requirements into machine learning problems and influence product strategy and roadmap decisions. Rapidly iterate and experiment to help drive product-market fit for a new business line. Work with Data Scientists to define success metrics and guardrails for new machine learning features. Partner with MLEs across product areas to build effective data feedback loops. As a member of the broader Embedded Insights team, you will: Analyze Plaid’s unique datasets to identify high-impact opportunities for machine learning and complete proofs of concept to validate them. Embed with product teams and work closely with product and engineering partners to productionize models and deploy them in real-world, customer-facing products. Optimize and maintain the health of existing models by developing new features, identifying effective retraining cadences, and creating metrics, alerts, and dashboards to monitor performance. Communicate technical decisions, tradeoffs, and system behavior clearly to both technical and non-technical partners. What Excites You Shaping Plaid’s future as intelligence products become a core part of the company’s value proposition. Working with one of the industry’s most unique datasets and helping define how Plaid can use it to create customer value. Identifying and validating new machine learning opportunities across Plaid’s product suite. Working across multiple product areas and developing a deep understanding of Plaid’s products and customers. Building products that empower millions of people to achieve greater financial freedom and opportunity. Working closely with customers to ensure products meet their needs and demonstrate meaningful impact. Joining a high-ownership team where the greenfield opportunity is substantial. What Excites Us 6+ years of experience in machine learning, including deploying models into real-world, customer-facing systems. High agency and creativity, with experience identifying, defining, and proposing high-impact machine learning opportunities. Ability to analyze large and complex financial datasets and derive actionable insights. Experience taking machine learning systems from experimentation or proof of concept through production and ongoing improvement. Proficiency in SQL and Python, as well as data visualization and analysis tools. Ability to clearly communicate complex technical systems, decisions, tradeoffs, and outcomes to cross-functional partners. Advanced degree or equivalent work experience in Statistics, Economics, Mathematics, Data Science, or a related field. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. About the Team The Embedded Insights team supports Plaid’s mission to build a world-class suite of intelligence products. We identify the best opportunities to use machine learning in Plaid products, prove out those opportunities, and collaborate with cross-functional partners to turn them into real-world production systems. About the Role As a Senior Machine Learning Engineer on Embedded Insights, you will help shape Plaid’s future by building machine learning-powered products and features. You will initially support the Plaid App, working on a 0-to-1 consumer-facing product and helping establish product-market fit for a new business line. You will work closely with product managers, data scientists, engineers, customers, and other machine learning engineers to translate ambiguous opportunities into effective ML systems that create measurable customer value. In supporting the Plaid App, you will: Build machine learning-based features for a 0-to-1 consumer-facing product. Partner with product managers to translate ambiguous business requirements into machine learning problems and influence product strategy and roadmap decisions. Rapidly iterate and experiment to help drive product-market fit for a new business line. Work with Data Scientists to define success metrics and guardrails for new machine learning features. Partner with MLEs across product areas to build effective data feedback loops. As a member of the broader Embedded Insights team, you will: Analyze Plaid’s unique datasets to identify high-impact opportunities for machine learning and complete proofs of concept to validate them. Embed with product teams and work closely with product and engineering partners to productionize models and deploy them in real-world, customer-facing products. Optimize and maintain the health of existing models by developing new features, identifying effective retraining cadences, and creating metrics, alerts, and dashboards to monitor performance. Communicate technical decisions, tradeoffs, and system behavior clearly to both technical and non-technical partners. What Excites You Shaping Plaid’s future as intelligence products become a core part of the company’s value proposition. Working with one of the industry’s most unique datasets and helping define how Plaid can use it to create customer value. Identifying and validating new machine learning opportunities across Plaid’s product suite. Working across multiple product areas and developing a deep understanding of Plaid’s products and customers. Building products that empower millions of people to achieve greater financial freedom and opportunity. Working closely with customers to ensure products meet their needs and demonstrate meaningful impact. Joining a high-ownership team where the greenfield opportunity is substantial. What Excites Us 6+ years of experience in machine learning, including deploying models into real-world, customer-facing systems. High agency and creativity, with experience identifying, defining, and proposing high-impact machine learning opportunities. Ability to analyze large and complex financial datasets and derive actionable insights. Experience taking machine learning systems from experimentation or proof of concept through production and ongoing improvement. Proficiency in SQL and Python, as well as data visualization and analysis tools. Ability to clearly communicate complex technical systems, decisions, tradeoffs, and outcomes to cross-functional partners. Advanced degree or equivalent work experience in Statistics, Economics, Mathematics, Data Science, or a related field. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. Making data-driven decisions is key to Plaid's culture. To support that, we need to scale our data systems while maintaining correct and complete data. We provide golden datasets and tooling to teams across engineering, product, and business and help them explore our data quickly and safely to get the data insights they need, which ultimately helps Plaid serve our customers more effectively. In addition, Plaid will not be successful if we can't move quickly. We build the data systems and tools that enable everyone at Plaid to be data-driven, making analytics easy, obvious, and proactive across the company. Data Engineers heavily leverage SQL and Python to build data workflows that integrate with our Golang applications. We use tools like DBT, Airflow, Redshift, Atlan, and Retool to orchestrate data pipelines and define workflows. We work with engineers, product managers, business intelligence, data analysts, and many other teams to build Plaid's data strategy and a data-first mindset. You will be in a high impact role that will directly enable business leaders to make faster and more informed business judgements based on the datasets you build. You will have the opportunity to carve out the ownership and scope of internal datasets and visualizations across Plaid which is a currently unowned area that we intend to take over and build SLAs on. You will have the opportunity to learn best practices and up-level your technical skills from our strong DE team and from the broader Data Platform team. You will collaborate with and have strong and cross functional partnerships with literally all teams at Plaid from Engineering to Product to Marketing/Finance etc. Responsibilities Understanding different aspects of the Plaid product and strategy to inform golden dataset choices, design and data usage principles. Have data quality and performance top of mind while designing datasetsLeading key data engineering projects that drive collaboration across the company. Advocating for adopting industry tools and practices at the right time. Owning core SQL and python data pipelines that power our data lake and data warehouse. Well-documented data with defined dataset quality, uptime, and usefulness. Qualifications 4+ years of dedicated data engineering experience, solving complex data pipelines issues at scale. You’ve have experience building data models and data pipelines on top of large datasets (in the order of 500TB to petabytes) You value SQL as a flexible and extensible tool, and are comfortable with modern SQL data orchestration tools like DBT, Mode, and Airflow. You have experience working with different performant warehouses and data lakes; Redshift, Snowflake, Databricks. You have experience building and maintaining batch and realtime pipelines using technologies like Spark, Kafka. You appreciate the importance of schema design, and can evolve an analytics schema on top of unstructured data. You are excited to try out new technologies. You like to produce proof-of-concepts that balance technical advancement and user experience and adoption. You like to get deep in the weeds to manage, deploy, and improve low level data infrastructure. You are empathetic working with stakeholders. You listen to them, ask the right questions, and collaboratively come up with the best solutions for their needs while balancing infra and business needs. You are a champion for data privacy and integrity, and always act in the best interest of consumers. 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 . 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.

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. Plaid’s mission is to unlock financial freedom for everyone by making money movement and access to financial data simple and secure. As a Fullstack Software Engineer, you will design and build the systems and experiences that power how millions of people connect to their finances. You will work across the stack, building scalable backend services and APIs while also crafting intuitive, high-quality frontend experiences that bring those systems to life. This role is ideal for engineers who enjoy switching between backend problem-solving and frontend user experience work, and who are excited to grow their impact across both. You will collaborate closely with product managers, designers, and other engineers to ship products that are reliable, secure, and delightful to use. At Plaid, engineers take ownership early, contribute to architectural decisions, and see their work reach millions of users. Responsibilities: Design & Development: Design, develop and maintain both frontend and backend components Majority Backend Focus (60-70%): Develop APIs and services, focusing on scalability, security and performance. Frontend Focus (30-40%): Build delightful experiences using modern JavaScript frameworks and libraries. Collaboration: Work closely with product managers, product designers and other stakeholders to define and implement new features that meet product and customer needs. Code Quality: Write clean, maintainable and efficient code. Testing & Debugging: Develop automated tests to ensure the quality and reliability of the codebase. Troubleshoot and resolve issues. Qualifications: 2-4 years of experience in full-stack development. Working knowledge of HTML, CSS, Javascript and modern frameworks and libraries. Working knowledge of one or more programming languages such as Python, Java, Go, or Node.js. Experience MySQL or other relational databases. Experience working with microservices Experience with API design. Excellent coding and testing skills. High ownership. You are excited to roll up your sleeves and figure things out that don’t have precedent at Plaid. Customer empathy. You want to be face to face with customers to understand their needs and design Investments products together. 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 . 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.