Software Engineer jobs at Plaid Crafts - 28 jobs

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, Washington D.C., London and Amsterdam. Plaid's Platform Engineering organization comprises multiple teams focused on core infrastructure, data platforms, storage, privacy, and developer efficiency. Together, these teams ensure that Plaid's technology platform is scalable, reliable, and secure to support our rapid growth. Our infrastructure handles millions of requests per day, and we pride ourselves on maintaining highly robust and performant systems. As a Platform Engineer, you will design, build, and maintain the foundational infrastructure and internal platforms that empower all of Plaid's engineering teams to move quickly and safely. You'll work cross-functionally with product engineering squads to ship new features and ensure operational excellence throughout each product's lifecycle. Responsibilities: Design & Develop Scalable Systems: Build and maintain core platform services with a focus on performance, reliability, and scalability. You will create and evolve distributed backend systems that serve as the bedrock for products used by millions of users. Infrastructure & Data Platforms: Develop and improve infrastructure for data storage and processing - for example, high-performance databases and modern data processing frameworks - to handle Plaid's growing data and product needs. Ensure our data infrastructure is robust and can scale effectively. Developer Productivity Tools: Create internal tools, frameworks, and automation to improve developer productivity and efficiency. This includes building CI/CD pipelines, observability and monitoring systems, and self-service infrastructure platforms that enable teams to ship code quickly and safely. Security & Privacy by Design: Integrate security, privacy, and compliance best practices into our platforms (e.g. data encryption, access controls, audit logging) to protect sensitive financial data. Work closely with Security and Privacy teams to ensure our infrastructure and internal services meet high standards for data protection and regulatory compliance. Cross-Team Collaboration: Work hand-in-hand with product engineers and other stakeholders to understand requirements and translate them into reliable platform capabilities. Facilitate smooth integration of platform solutions into various products, and coordinate across teams to resolve issues and deliver new features efficiently. Technical Excellence & Leadership: Uphold high engineering standards through code reviews, testing, and documentation. Take initiative in setting technical direction and architecture for platform systems, and mentor junior engineers to help grow their skills. You will lead by example in driving best practices and continuously improving the quality of our engineering solutions. Qualifications: Experience: 2 to 4 years of software engineering experience, with a proven track record of building and shipping complex backend systems or platforms. Experience designing and scaling distributed systems is highly desired. Strong Coding Skills: Proficiency in at least one general-purpose programming language (e.g. Go, Python, Java, C++). Our core services are built largely in Go, so experience with Go is a plus. You write clean, efficient, and maintainable code and have solid computer science fundamentals. Distributed Systems & Problem Solving: Deep understanding of system design and algorithms. Hands-on experience with designing, building, and operating distributed systems or microservices architectures at scale. Ability to debug complex issues in a production environment and optimize system performance and reliability. Data and Databases: Familiarity with relational and NoSQL database technologies (for example, MySQL/TiDB, PostgreSQL, MongoDB) and data storage architectures. Experience building data pipelines or working with big data processing frameworks (Spark, Databricks, etc.) is a plus. Collaboration & Communication: Excellent communication and teamwork skills, with the ability to work effectively in a cross-functional environment. You can collaborate closely with other engineers, product managers, and stakeholders, and you're able to explain complex technical concepts in simple terms when needed. 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.

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, Washington D.C., 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 Software Engineer, you will design and build the systems that power how millions of people connect to their finances. You will work across the stack, from reliable backend services and APIs to intuitive applications that bring those systems to life. You will collaborate with engineers, product managers, and designers to ship products that make financial services more accessible and transparent. At Plaid, engineers take ownership early, grow quickly, and see their work reach millions of users.Responsibilities: System Design & Development: Build and maintain scalable, reliable backend or fullstack systems and APIs that power Plaid's products. Collaboration: Work closely with product managers, designers, and other engineers to define and deliver features that solve real customer problems. Code Quality: Write clean, efficient, and well-tested code. Participate in reviews to maintain high engineering standards. Testing & Debugging: Build automated tests, monitor system performance, and troubleshoot issues in production environments. Continuous Improvement: Contribute to technical design discussions, share best practices, and help improve how we build at Plaid. Qualifications: 1-4 years of software engineering experience (post-internship) Proven ability to ship reliable systems or features at scale Strong problem-solving skills. You turn ideas into practical, maintainable solutions. High ownership. You are excited to roll up your sleeves and figure things out that don't have precedent at Plaid. Collaborative mindset. You thrive in a fast-paced environment and enjoy working with others to deliver results. Growth oriented. You seek feedback, learn quickly, and take pride in improving your craft. The target base salary for this position ranges from $148,800/year and $223,200/year in Zone 1. The target base salary will vary based on the job's location. Our geographic zones are as follows:Zone 1 - New York City and San Francisco Bay Area Zone 2 - Los Angeles, Seattle, Washington D.C.Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San DiegoZone 4 - Raleigh-Durham and all other US cities 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.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.

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, Washington D.C., 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 Software Engineer, you will design and build the systems that power how millions of people connect to their finances. You will work across the stack, from reliable backend services and APIs to intuitive applications that bring those systems to life. You will collaborate with engineers, product managers, and designers to ship products that make financial services more accessible and transparent. At Plaid, engineers take ownership early, grow quickly, and see their work reach millions of users.Responsibilities: System Design & Development: Build and maintain scalable, reliable backend or fullstack systems and APIs that power Plaid's products. Collaboration: Work closely with product managers, designers, and other engineers to define and deliver features that solve real customer problems. Code Quality: Write clean, efficient, and well-tested code. Participate in reviews to maintain high engineering standards. Testing & Debugging: Build automated tests, monitor system performance, and troubleshoot issues in production environments. Continuous Improvement: Contribute to technical design discussions, share best practices, and help improve how we build at Plaid. Qualifications: 1-4 years of software engineering experience (post-internship) Proven ability to ship reliable systems or features at scale Strong problem-solving skills. You turn ideas into practical, maintainable solutions. High ownership. You are excited to roll up your sleeves and figure things out that don't have precedent at Plaid. Collaborative mindset. You thrive in a fast-paced environment and enjoy working with others to deliver results. Growth oriented. You seek feedback, learn quickly, and take pride in improving your craft. 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.

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, Washington D.C., London and Amsterdam. At Plaid, our mission is to build the infrastructure that makes financial services more accessible and reliable-enabling businesses and consumers to move money and manage finances with trust and scale. The Payments Transfer team is central to that mission: we build a multi-rail payment platform to move money between bank accounts for millions of people in the United States. You will define the future architecture of our Payments Transfer systems, ensuring they are reliable, scalable, and built for long-term growth. Additionally, you will execute against an ambitious product roadmap while partnering closely with product and cross-functional teams.Responsibilities Lead the technical direction of the transfer system including transfer customer onboarding, billing, bookkeeping, payments processing, reconciliation systems. Collaborate across product, design, operations, partnership, and legal teams to make sure the technical solution meets business needs. Discover system quality and reliability opportunities and proactively drive improvements and technical roadmap. Work hands-on: write and review technical designs, write and review code, lead major technical initiatives and new feature development. Mentor engineers and contribute to a strong, inclusive team culture. Requirements At least 3-5 years working on payments, billing, invoicing or other financial infrastructure systems. Proven track record of building and operating systems that process payments at scale (e.g., high throughput, high reliability, complex flows such as refunds, settlement). Strong proficiency in distributed system design, architecture, performance optimization, observability, reliability engineering. Experience setting and maintaining engineering best practices (testing, code review, continuous integration/deployment, on-call practices). Excellent communication: able to engage with business/product/operations stakeholders, articulate technical trade-offs, drive alignment. [Nice to have] Experience with modern payment rails (e.g., ACH, real-time bank payments, open banking rails) and multi-rail payments architectures The target base salary for this position ranges from $202,800/year to $330,000/year. 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.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.

Job DescriptionNetwork Foundations is Plaid's authoritative source of truth for the user lifecycle, powering user recognition across integration paths, authentication with Plaid, intelligent and context-aware onboarding flows, and the core user data models that drive insights for Plaid's newest ML-based products. We own the living graph of people's financial lives - and we operate it at global scale for some of the world's largest companies, including Google, Meta, Shopify, Square, Robinhood, and Venmo. Our mission is to make Plaid's network data easy to query, highly accurate, and legally compliant. The infrastructure we build is used by product and machine learning teams across the company to develop high-precision features, analytics, and customer experiences. We focus on enabling consistent data access across both real-time and offline workflows.Responsibilities Design and build backend data systems that make it possible to query a user's complete financial life (Plaid users, accounts, and transactions, identity) at scale. You will develop and maintain graph-based infrastructure for identity resolution and entity mapping Lead high-impact projects from design through execution: your work will touch tens of millions of end-users, the best applications in fintech, and major financial institutions. You will deliver APs and datasets that power fraud detection, credit decisioning, and personal finance insights Work on both the 0 to 1 stage and the 1 to n stage of problems Collaborate with data science, machine learning, legal and product teams to support feature development and analytics Establish best practices for data quality, performance, reliability and explainability Contribute to the team's technical roadmap and strategy, mentor engineers, and help grow a culture of excellence Qualifications 8+ years of software engineering experience, including backend system design and data infrastructure Proven experience designing and maintaining distributed systems at scale Strong programming skills in Go, Python, or similar backend languages Experience working with data platforms (e.g., Redshift, Kafka, Airflow, DBT, or equivalent) Familiarity with data modeling and lifecycle challenges Strong communication and collaboration skills with cross-functional partners Nice-to-Haves Experience with graph databases or graph-based data modeling Exposure to ML infrastructure or support systems (e.g., feature stores, batch/stream data) Understanding of data privacy, data access restrictions, or legal compliance in data systems Prior experience mentoring or leading technical direction for other engineers Experience defining the roadmap of an ambiguous technical area. Target base salary for this role is between $202,800 and $330,000 per year. Additional compensation in the form of equity and/or commission is 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, Washington D.C., London and Amsterdam. At Plaid, security isn't a cost center or a compliance checklist-it is our product. We sit at the intersection of thousands of applications, thousands of financial institutions, and hundreds of millions of consumers. We are the trust layer for the fintech ecosystem. If we don't build secure systems, the ecosystem doesn't function. You will join a team responsible for the secure backbone of Plaid. As we look toward 2026, you will have the opportunity to define industry standards in areas like:Next-Generation Authorization: We are moving beyond simple RBAC. You will help build a unified, centralized Authorization Platform that enforces fine-grained permissions across all human and non-human identities.Agentic Security Capabilities: Build AI agents and tooling to automate functions like vulnerability patching, secure code reviews, and anomaly detection.Zero Trust Architecture: You will evolve our internal token services and identity gateways to enforce rigorous Zero Trust controls for every service, device, and user in our fleet.AI Guardrails: As Plaid adopts GenAI, you will build the "guardrails" and paved roads that allow our engineers to use LLMs securely, preventing data leakage and model abuse before they happen.Cryptographic Services: You will own and scale our internal Key Management Systems, the central services for encryption, signing, and key rotation that protect our most sensitive data.Network Security: You will help us sandbox our sensitive workloads from the internet, preventing command-and-control and data exfiltration.Responsibilities Design & Code: Write high-quality, scalable code to enhance product security or support security functions. Architect: Lead the technical design of complex, cross-functional security systems. You will determine how we solve problems like "universal service-to-service authentication" or "global data encryption" at scale. Consult & Embed: Act as a security subject matter expert for other engineering teams. We embed within engineering teams to build and accelerate security features within our products and frameworks. Operate: Own your systems in production. We run an on-call rotation for the services we build, ensuring they meet the same high availability standards as our core products. Innovate: Contribute to the broader security industry. Whether it's open-sourcing our internal tools or contributing to major open-source security projects, we want you to help move the industry forward. Qualifications Strong Software Engineering skills: You have 8+ years of experience building distributed systems, backend services, or infrastructure. You care about code quality, testing, and reliability. You are "security-curious": You understand the fundamentals of security (encryption, auth protocols like OIDC/OAuth, network security) and want to dive deeper. You ask "how can we design this so it can't be misused?" rather than just "is this bug fixed?" You think at a system-level: You can visualize complex dependencies and design solutions that work across dozens of microservices. You are a Partner: You can communicate complex security requirements to product managers and engineers with empathy and clarity. 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.

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, Washington D.C., London and Amsterdam. The Network Enablement team's mission is to amplify Plaid's network effects by fostering trust and sharing intelligence with data partners. We build Trust & Fraud Insights (real-time Protect model scoring, two-way APIs/webhooks, and investigation tooling), Bank Intelligence (ML driven retention and account-primacy metrics and scalable batch pipelines), and the ml/data foundations (graph and sequence-embedding models plus unified feature pipelines and feature-store patterns). We own productionization and reliability for data partner facing ML - low-latency scoring, offlineonline parity, observability and drift detection, PII-safe handling and auditability - and collaborated closely with MLE, DS, Data Platform, Fraud, Foundational Modeling, Product, and Privacy to scale network intelligence. On this team you will build and operate the ML infrastructure and product services that enable trust and intelligence across Plaid's network. You'll own feature engineering, offline training and batch scoring, online feature serving, and real-time inference so model outputs directly power partner-facing fraud & trust products and bank intelligence features. You will integrate inference into product logic (APIs, feature flags, backend flows), build reproducible pipelines and model CI/CD, and ensure observability, reproducibility, and compliance as you scale our network capabilities. You'll partner with Product, ML/Data Platform, Fraud, Foundational Modeling, MLE, DS, and Privacy to ship auditable, reliable ML solutions that move product KPIs Responsibilities * Embed model inference into Network Enablement product flows and decision logic (APIs, feature flags, backend flows). * Define and instrument product + ML success metrics (fraud reduction, retention lift, false positives, downstream impact). * Design and run experiments and rollout plans (backtesting, shadow scoring, A/B tests, feature-flagged releases) to validate product hypotheses. * Build and operate offline training pipelines and production batch scoring for bank intelligence products. * Ship and maintain online feature serving and low-latency model inference endpoints for real-time partner/bank scoring. * Implement model CI/CD, model/version registry, and safe rollout/rollback strategies. * Monitor model/data health: drift/regression detection, model-quality dashboards, alerts, and SLOs targeted to partner product needs. * Ensure offline and online parity, data lineage, and automated validation / data contracts to reduce regressions. * Optimize inference performance and cost for real-time scoring (batching, caching, runtime selection).Ensure fairness, explainability and PII-aware handling for partner-facing ML features; maintain auditability for compliance. * Partner with platform and cross-functional teams to scale the ML/data foundation (graph features, sequence embeddings, unified pipelines). * Mentor engineers and document team standards for ML productization and operations. Qualifications * Must-haves: * Strong software engineering skills including systems design, APIs, and building reliable backend services (Go or Python preferred). * Production experience with batch and streaming data pipelines and orchestration tools such as Airflow or Spark. * Experience building or operating real-time scoring and online feature-serving systems, including feature stores and low-latency model inference. * Experience integrating model outputs into product flows (APIs, feature flags) and measuring impact through experiments and product metrics. * Experience with model lifecycle and operations: model registries, CI/CD for models, reproducible training, offline & online parity, monitoring and incident response. Nice to have:Experience in fraud, risk, or marketing intelligence domains.Experience with feature-store products (Tecton / Chronon / Feast / internal) and unified pipelines.Experience with graph frameworks, graph feature engineering, or sequence embeddings.Experience optimizing inference at scale (Triton/ONNX/quantization, batching, caching). $180,000 - $270,000 a year The target base salary for this position ranges from $180,000/year to $270,000/year. 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. 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 [email protected]. Please review our Candidate Privacy Notice here.

Plaid is evolving into an AI-first company, where data and machine learning are the key enablers of smarter, more secure insight products built on top of Plaid's vast financial data network. The Machine Learning Infrastructure team sits at the center of this transformation. We build the platforms that enable model developers to experiment, train, deploy, and monitor machine learning systems reliably and at scale - from feature stores and pipelines, to deployment frameworks and inference tooling. We are in the midst of a pivotal shift: replacing legacy systems with a modern feature store, and establishing a standardized ML Ops "golden path." Our mission is to enable Plaid's product teams to move faster with trustworthy insights, deploy models with confidence, and unlock the next generation of AI-powered financial experiences. As a Senior Software Engineer on the Machine Learning Infrastructure team, you will design, build, and operate the systems that power machine learning across Plaid. You will apply your deep technical expertise to create scalable, reliable, and secure ML platforms, and collaborate closely with ML product teams to accelerate the delivery of ML & AI-powered products. This is a highly technical, hands-on role where you'll contribute to core infrastructure, influence architectural direction, and mentor peers while helping to define the "golden path" for ML development and deployment at Plaid. Responsibilities * Design and implement large-scale ML infrastructure, including feature stores, pipelines, deployment tooling, and inference systems. * Drive the rollout of Plaid's next-generation feature store to improve reliability and velocity of model development. * Help define and evangelize an ML Ops "golden path" for secure, scalable model training, deployment, and monitoring. * Ensure operational excellence of ML pipelines and services, including reliability, scalability, performance, and cost efficiency. * Collaborate with ML product teams to understand requirements and deliver solutions that accelerate experimentation and iteration. * Contribute to technical strategy and architecture discussions within the team. * Mentor and support other engineers through code reviews, design discussions, and technical guidance. Qualifications * 5+ years of industry experience as a software engineer, with strong focus on ML/AI infrastructure or large-scale distributed systems. * Hands-on expertise in building and operating ML platforms (e.g., feature stores, data pipelines, training/inference frameworks). * Proven experience delivering reliable and scalable infrastructure in production. * Solid understanding of ML Ops concepts and tooling, as well as best practices for observability, security, and reliability. * Strong communication skills and ability to collaborate across teams. * [Nice to have] Experience with ML Ops tools such as MLFlow, SageMaker, or model registries. * [Nice to have] Exposure to modern AI infrastructure environments (LLMs, real-time inference, agentic models). * [Nice to have] Background in scaling ML infrastructure in fast-paced product environments. $180,000 - $270,000 a year The target base salary for this position ranges from $180,000/year to $270,000/year in Zone 1. The target base salary will vary based on the job's location. Our geographic zones are as follows: Zone 1 - New York City and San Francisco Bay Area Zone 2 - Los Angeles, Seattle, Washington D.C. Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego Zone 4 - Raleigh-Durham and all other US cities 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.

Job DescriptionPlaid is evolving into an AI-first company, where data and machine learning are the key enablers of smarter, more secure insight products built on top of Plaid's vast financial data network. The Machine Learning Infrastructure team sits at the center of this transformation. We build the platforms that enable model developers to experiment, train, deploy, and monitor machine learning systems reliably and at scale - from feature stores and pipelines, to deployment frameworks and inference tooling. We are in the midst of a pivotal shift: replacing legacy systems with a modern feature store, and establishing a standardized ML Ops “golden path.” Our mission is to enable Plaid's product teams to move faster with trustworthy insights, deploy models with confidence, and unlock the next generation of AI-powered financial experiences. As a Senior Software Engineer on the Machine Learning Infrastructure team, you will design, build, and operate the systems that power machine learning across Plaid. You will apply your deep technical expertise to create scalable, reliable, and secure ML platforms, and collaborate closely with ML product teams to accelerate the delivery of ML & AI-powered products. This is a highly technical, hands-on role where you'll contribute to core infrastructure, influence architectural direction, and mentor peers while helping to define the “golden path” for ML development and deployment at Plaid.Responsibilities Design and implement large-scale ML infrastructure, including feature stores, pipelines, deployment tooling, and inference systems. Drive the rollout of Plaid's next-generation feature store to improve reliability and velocity of model development. Help define and evangelize an ML Ops “golden path” for secure, scalable model training, deployment, and monitoring. Ensure operational excellence of ML pipelines and services, including reliability, scalability, performance, and cost efficiency. Collaborate with ML product teams to understand requirements and deliver solutions that accelerate experimentation and iteration. Contribute to technical strategy and architecture discussions within the team. Mentor and support other engineers through code reviews, design discussions, and technical guidance. Qualifications 5+ years of industry experience as a software engineer, with strong focus on ML/AI infrastructure or large-scale distributed systems. Hands-on expertise in building and operating ML platforms (e.g., feature stores, data pipelines, training/inference frameworks). Proven experience delivering reliable and scalable infrastructure in production. Solid understanding of ML Ops concepts and tooling, as well as best practices for observability, security, and reliability. Strong communication skills and ability to collaborate across teams. [Nice to have] Experience with ML Ops tools such as MLFlow, SageMaker, or model registries. [Nice to have] Exposure to modern AI infrastructure environments (LLMs, real-time inference, agentic models). [Nice to have] Background in scaling ML infrastructure in fast-paced product environments. The target base salary for this position ranges from $180,000/year to $270,000/year in Zone 1. The target base salary will vary based on the job's location. Our geographic zones are as follows: Zone 1 - New York City and San Francisco Bay Area Zone 2 - Los Angeles, Seattle, Washington D.C.Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San DiegoZone 4 - Raleigh-Durham and all other US cities 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.

Plaid is evolving into an AI-first company, and Intelligent Tooling sits at the center of that transformation. The Intelligent Tooling team is being built from the ground up, and our mission is to establish the technical foundations, operating model, and internal platforms that embed AI deeply into Plaid's coding tools, internal systems, and the entire software development lifecycle.When we are successful, engineers across Plaid will delegate lower-leverage work to AI agents, move faster with confidence, and spend more of their time designing and inventing for customers. Intelligent Tooling owns the platforms and systems that make this possible - from AI coding integrations and SDLC agents to the internal tools that power Plaid's operations. As a Senior Software Engineer on the Intelligent Tooling team, you will build and operate internal systems that directly impact how engineers across Plaid do their work. This is a hands-on role with significant ownership, where success is measured by real adoption, reliability, and improvements to developer experience. You will work on AI-powered tooling, internal platforms, and developer workflows, collaborating closely with other engineers and cross-functional partners to ship durable, high-leverage systems.Responsibilities Design, build, and operate internal tools and services used by Plaid's engineers. Integrate AI-powered tools and workflows into core engineering processes. Improve reliability, usability, and performance of existing internal platforms. Own systems end-to-end, including production support and iterative improvement. Collaborate with teammates and stakeholders to deliver practical, high-impact solutions. Qualifications 5+ years of professional software engineering experience. Experience building and operating production systems. Hands-on experience using AI-powered developer tools. Strong problem-solving and collaboration skills. [Nice to have] Experience with developer tooling, internal platforms, or infrastructure. [Nice to have] Exposure developing AI systems, automation, or agentic workflows. [Nice to have] Familiarity with CI/CD, cloud infrastructure, or observability tooling. [Nice to have] Strong interest and excitement in leveraging AI to meaningfully improve developer productivity and engineering velocity for a broader engineering organization.

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, Washington D.C., London and Amsterdam.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. Engage in hands-on coding and architectural design, setting and maintaining high technical standards for a high performing team. Grow the team via mentorship and leadership, reviewing technical documents and code changes. Qualifications 5+ years of experience with extensive experience in software engineering with a proven track record of shipping successful projects. Experience with MySQL or other relational databases. Experience working with microservices. Working knowledge of HTML, CSS, Javascript and modern frameworks and libraries. Excellent coding, testing skills, and system design skills Proven experience with cross-functional collaboration, communication and project management skills. Demonstrated leadership skills and the ability to mentor and guide junior engineers. Experience partnering with operations, product, design, and data science. 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.

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 tooling and guidance 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. We build the data and machine learning infrastructure to enable Plaid engineers to prototype and iterate on products and features built on top of consumer-permissioned financial data. Engineers on Data Infrastructure are domain experts in Data Warehouse, Data Lakehouse, Spark, Workflow Orchestration, and Streaming technologies. We scale our existing data pipelines in a performant and cost efficient way while creating the necessary abstractions to make developing on top of this platform extremely simple for other engineers at Plaid.Responsibilities Contribute towards the long-term technical roadmap for data-driven and machine learning iteration at Plaid Leading key data infrastructure projects such as improving ML development golden paths, implementing offline streaming solutions for data freshness, building net new ETL pipeline infrastructure, and evolving data warehouse or data lakehouse capabilities. Working with stakeholders in other teams and functions to define technical roadmaps for key backend systems and abstractions across Plaid. Debugging, troubleshooting, and reducing operational burden for our Data Platform. Growing the team via mentorship and leadership, reviewing technical documents and code changes. Qualifications 5+ years of software engineering experience Extensive hands-on software engineering experience, with a strong track record of delivering successful projects within the Data Infrastructure or Platform domain at similar or larger companies. Deep understanding of one of: ML Infrastructure systems, including Feature Stores, Training Infrastructure, Serving Infrastructure, and Model Monitoring OR Data Infrastructure systems, including Data Warehouses, Data Lakehouses, Apache Spark, Streaming Infrastructure, Workflow Orchestration. Strong cross-functional collaboration, communication, and project management skills, with proven ability to coordinate effectively. Proficiency in coding, testing, and system design, ensuring reliable and scalable solutions. Demonstrated leadership abilities, including experience mentoring and guiding junior engineers. [Nice to have] Experience with Databricks, Airflow, AWS EMR

Plaid is evolving into an AI-first company, where data and machine learning are the key enablers of smarter, more secure insight products built on top of Plaid's vast financial data network. The Machine Learning Infrastructure team sits at the center of this transformation. We build the platforms that enable model developers to experiment, train, deploy, and monitor machine learning systems reliably and at scale - from feature stores and pipelines, to deployment frameworks and inference tooling. We are in the midst of a pivotal shift: replacing legacy systems with a modern feature store, and establishing a standardized ML Ops “golden path.” Our mission is to enable Plaid's product teams to move faster with trustworthy insights, deploy models with confidence, and unlock the next generation of AI-powered financial experiences. As a Senior Software Engineer on the Machine Learning Infrastructure team, you will design, build, and operate the systems that power machine learning across Plaid. You will apply your deep technical expertise to create scalable, reliable, and secure ML platforms, and collaborate closely with ML product teams to accelerate the delivery of ML & AI-powered products. This is a highly technical, hands-on role where you'll contribute to core infrastructure, influence architectural direction, and mentor peers while helping to define the “golden path” for ML development and deployment at Plaid.Responsibilities Design and implement large-scale ML infrastructure, including feature stores, pipelines, deployment tooling, and inference systems. Drive the rollout of Plaid's next-generation feature store to improve reliability and velocity of model development. Help define and evangelize an ML Ops “golden path” for secure, scalable model training, deployment, and monitoring. Ensure operational excellence of ML pipelines and services, including reliability, scalability, performance, and cost efficiency. Collaborate with ML product teams to understand requirements and deliver solutions that accelerate experimentation and iteration. Contribute to technical strategy and architecture discussions within the team. Mentor and support other engineers through code reviews, design discussions, and technical guidance. Qualifications 5+ years of industry experience as a software engineer, with strong focus on ML/AI infrastructure or large-scale distributed systems. Hands-on expertise in building and operating ML platforms (e.g., feature stores, data pipelines, training/inference frameworks). Proven experience delivering reliable and scalable infrastructure in production. Solid understanding of ML Ops concepts and tooling, as well as best practices for observability, security, and reliability. Strong communication skills and ability to collaborate across teams. [Nice to have] Experience with ML Ops tools such as MLFlow, SageMaker, or model registries. [Nice to have] Exposure to modern AI infrastructure environments (LLMs, real-time inference, agentic models). [Nice to have] Background in scaling ML infrastructure in fast-paced product environments.

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, Washington D.C., London and Amsterdam. AI and intelligent systems are driving the fifth paradigm shift, following previous technological revolutions like mainframes, personal computers, the internet, and mobile devices. We believe, in the foreseeable future, AI will revolutionize the FinTech industry - from how consumers understand and manage their finances, to how developers build applications and how all companies operate. The fintech industry landscape will undergo a fundamental reshape. Plaid in the FinTech AI Ecosystem Plaid is uniquely positioned to become the financial data and insights backbone for AI applications and platforms in this evolving ecosystem. We believe consumers should be able to understand and manage their financial life through conversational AI interfaces using natural language. We believe consumers should have peace of mind with a trustworthy consent and authorization manager when agents shop for them. We believe identity verification and financial fraud prevention in AI-powered products should feel seamless and embedded for the end users. The list goes on. The most important AI companies, major fintechs, and customer agent platforms are actively trying to integrate Plaid into AI-powered products and solutions they build. Plaid's AI-powered Experiences for Customers The explosive growth in model intelligence and increasing relevance for enterprise tasks offer a unique opportunity for Plaid to rethink from the ground up how we operate and interact with our customers for the most optimal experience. Our early experiments in building AI agents for customer experience are paying off with huge business value. For example, our homegrown AI-powered customer support agents resolve a significant proportion of customer questions and issues within seconds, which would otherwise have required humans hours to work on. This is just the beginning and there is so much more we could do. The AI Applications Team You will have the opportunity to join as one of the founding members of this newly formed team that is dedicated to consolidating and rapidly scaling our successful bets so far, and grow with the team in our quest to accelerate Plaid's transformation into an AI-first company. In this role you will lead projects that enable and scale our business with our largest AI customers and partners, starting with personal finance use cases and expanding into many others; examples include: * Develop and evolve the preferred integration pattern for Plaid with AI providers - from API adaptations to building the official Plaid MCP Servers, and beyond * Redefine how Plaid's consumer link experience embed into conversational interfaces in the most seamless way Architect the trust layer for the future of agentic commerce that will become the industry standard Additionally you will be expected to scale and extend our existing successful bets on AI-powered customer experience; examples include: * Make the next step-function improvement in our homegrown customer support agent - land our multi-turn and multi-agent system that powers a truly delightful experience for our customers; define how to scalably run offline evaluation for complex multi-turn open-ended tasks; research and prototype how Human-In-The-Loop - Reinforcement Learning (RLHF) can power an insights flywheel; pioneer the architecture for customer-specific long-term memory, etc. * Extend our agentic system to support other critical parts of the customer journey, starting with areas with the highest ROI - top-of-funnel product recommendation, customer onboarding and risk diligence, customer activation and assistance for faster productionization, as well as upselling and cross-selling of Plaid products You will have a front row seat to all the latest industry developments. Over time, with the skills and experience you develop and hone on this team, you can become an influential voice in defining where AI <> Fintech will be heading longer term. Responsibilities * Work with other AI engineers, software engineers and machine learning engineers to architect, design and implement GenAI-powered products and features * Collaborate across functions to understand user needs, propose and implement AI-powered solutions where they're expected to have the highest impact * Design and execute rapid experiments to push the boundaries on potential business impact from emerging AI capabilities, with a focus on minimal viable testing approaches * Balance creative exploration of possibilities with rigorous evaluation of technical feasibility, product potential and business impact Requirements * Strong SWE fundamentals (system design, APIs, etc.) * Hands-on experience working with LLMs to build products and shipping them to product with iterating with real user feedback - including but not limited to: * Prompt engineering * Fine-tuning * Retrieval augmented generation (RAG) * Semantic search - vector database and embedding models * Agent orchestration framework * Evaluation and monitoring framework of open-ended tasks * Streaming and SSE * Common UX and design patterns for GenAI-powered products Strong debugging and monitoring experience for production systems Ability to deeply understand customer and user needs through user research and rapid experimentation - be your own technical PMAbility to balance divergent thinking (exploring possibilities) with convergent thinking (evaluating feasibility), which is critical for driving 0 ->1 projects Extremely curious and passionate about working in GenAI applications space Nice-to-Haves * Experience training and/or serving ML models in production, or fine-tuning LLMs for domain-specific use cases * Comfortable operating in privacy/PII-sensitive environments and applying compliance mitigations $253,200 - $400,000 a year The target base salary for this position ranges from $253,200/year to $400,000/year. 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. 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 [email protected]. Please review our Candidate Privacy Notice here.

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, Washington D.C., London and Amsterdam. AI and intelligent systems are driving the fifth paradigm shift, following previous technological revolutions like mainframes, personal computers, the internet, and mobile devices. We believe, in the foreseeable future, AI will revolutionize the FinTech industry - from how consumers understand and manage their finances, to how developers build applications and how all companies operate. The fintech industry landscape will undergo a fundamental reshape. Plaid in the FinTech AI EcosystemPlaid is uniquely positioned to become the financial data and insights backbone for AI applications and platforms in this evolving ecosystem. We believe consumers should be able to understand and manage their financial life through conversational AI interfaces using natural language. We believe consumers should have peace of mind with a trustworthy consent and authorization manager when agents shop for them. We believe identity verification and financial fraud prevention in AI-powered products should feel seamless and embedded for the end users. The list goes on.The most important AI companies, major fintechs, and customer agent platforms are actively trying to integrate Plaid into AI-powered products and solutions they build. Plaid's AI-powered Experiences for CustomersThe explosive growth in model intelligence and increasing relevance for enterprise tasks offer a unique opportunity for Plaid to rethink from the ground up how we operate and interact with our customers for the most optimal experience. Our early experiments in building AI agents for customer experience are paying off with huge business value. For example, our homegrown AI-powered customer support agents resolve a significant proportion of customer questions and issues within seconds, which would otherwise have required humans hours to work on. This is just the beginning and there is so much more we could do. The AI Applications TeamYou will have the opportunity to join as one of the founding members of this newly formed team that is dedicated to consolidating and rapidly scaling our successful bets so far, and grow with the team in our quest to accelerate Plaid's transformation into an AI-first company. In this role you will lead projects that enable and scale our business with our largest AI customers and partners, starting with personal finance use cases and expanding into many others; examples include:- Develop and evolve the preferred integration pattern for Plaid with AI providers - from API adaptations to building the official Plaid MCP Servers, and beyond- Redefine how Plaid's consumer link experience embed into conversational interfaces in the most seamless way Architect the trust layer for the future of agentic commerce that will become the industry standard Additionally you will be expected to scale and extend our existing successful bets on AI-powered customer experience; examples include:- Make the next step-function improvement in our homegrown customer support agent - land our multi-turn and multi-agent system that powers a truly delightful experience for our customers; define how to scalably run offline evaluation for complex multi-turn open-ended tasks; research and prototype how Human-In-The-Loop - Reinforcement Learning (RLHF) can power an insights flywheel; pioneer the architecture for customer-specific long-term memory, etc.- Extend our agentic system to support other critical parts of the customer journey, starting with areas with the highest ROI - top-of-funnel product recommendation, customer onboarding and risk diligence, customer activation and assistance for faster productionization, as well as upselling and cross-selling of Plaid products You will have a front row seat to all the latest industry developments. Over time, with the skills and experience you develop and hone on this team, you can become an influential voice in defining where AI <> Fintech will be heading longer term.Responsibilities Work with other AI engineers, software engineers and machine learning engineers to architect, design and implement GenAI-powered products and features Collaborate across functions to understand user needs, propose and implement AI-powered solutions where they're expected to have the highest impact Design and execute rapid experiments to push the boundaries on potential business impact from emerging AI capabilities, with a focus on minimal viable testing approaches Balance creative exploration of possibilities with rigorous evaluation of technical feasibility, product potential and business impact Requirements Strong SWE fundamentals (system design, APIs, etc.) Hands-on experience working with LLMs to build products and shipping them to product with iterating with real user feedback - including but not limited to: Prompt engineering Fine-tuning Retrieval augmented generation (RAG) Semantic search - vector database and embedding models Agent orchestration framework Evaluation and monitoring framework of open-ended tasks Streaming and SSE Common UX and design patterns for GenAI-powered products Strong debugging and monitoring experience for production systems Ability to deeply understand customer and user needs through user research and rapid experimentation - be your own technical PM Ability to balance divergent thinking (exploring possibilities) with convergent thinking (evaluating feasibility), which is critical for driving 0 ->1 projects Extremely curious and passionate about working in GenAI applications space Nice-to-Haves Experience training and/or serving ML models in production, or fine-tuning LLMs for domain-specific use cases Comfortable operating in privacy/PII-sensitive environments and applying compliance mitigations 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.

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, Washington D.C., London and Amsterdam. At Plaid, our mission is to build the infrastructure that makes financial services more accessible and reliable-enabling businesses and consumers to move money and manage finances with trust and scale. The Payments Transfer team is central to that mission: we build a multi-rail payment platform to move money between bank accounts for millions of people in the United States. You will define the future architecture of our Payments Transfer systems, ensuring they are reliable, scalable, and built for long-term growth. Additionally, you will execute against an ambitious product roadmap while partnering closely with product and cross-functional teams.Responsibilities Lead the technical direction of the transfer system including transfer customer onboarding, billing, bookkeeping, payments processing, reconciliation systems. Collaborate across product, design, operations, partnership, and legal teams to make sure the technical solution meets business needs. Discover system quality and reliability opportunities and proactively drive improvements and technical roadmap. Work hands-on: write and review technical designs, write and review code, lead major technical initiatives and new feature development. Mentor engineers and contribute to a strong, inclusive team culture. Requirements At least 3-5 years working on payments, billing, invoicing or other financial infrastructure systems. Proven track record of building and operating systems that process payments at scale (e.g., high throughput, high reliability, complex flows such as refunds, settlement). Strong proficiency in distributed system design, architecture, performance optimization, observability, reliability engineering. Experience setting and maintaining engineering best practices (testing, code review, continuous integration/deployment, on-call practices). Excellent communication: able to engage with business/product/operations stakeholders, articulate technical trade-offs, drive alignment. [Nice to have] Experience with modern payment rails (e.g., ACH, real-time bank payments, open banking rails) and multi-rail payments architectures 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.

Network Foundations is Plaid's authoritative source of truth for the user lifecycle, powering user recognition across integration paths, authentication with Plaid, intelligent and context-aware onboarding flows, and the core user data models that drive insights for Plaid's newest ML-based products. We own the living graph of people's financial lives - and we operate it at global scale for some of the world's largest companies, including Google, Meta, Shopify, Square, Robinhood, and Venmo. Our mission is to make Plaid's network data easy to query, highly accurate, and legally compliant. The infrastructure we build is used by product and machine learning teams across the company to develop high-precision features, analytics, and customer experiences. We focus on enabling consistent data access across both real-time and offline workflows.Responsibilities Design and build backend data systems that make it possible to query a user's complete financial life (Plaid users, accounts, and transactions, identity) at scale. You will develop and maintain graph-based infrastructure for identity resolution and entity mapping Lead high-impact projects from design through execution: your work will touch tens of millions of end-users, the best applications in fintech, and major financial institutions. You will deliver APs and datasets that power fraud detection, credit decisioning, and personal finance insights Work on both the 0 to 1 stage and the 1 to n stage of problems Collaborate with data science, machine learning, legal and product teams to support feature development and analytics Establish best practices for data quality, performance, reliability and explainability Contribute to the team's technical roadmap and strategy, mentor engineers, and help grow a culture of excellence Qualifications 8+ years of software engineering experience, including backend system design and data infrastructure Proven experience designing and maintaining distributed systems at scale Strong programming skills in Go, Python, or similar backend languages Experience working with data platforms (e.g., Redshift, Kafka, Airflow, DBT, or equivalent) Familiarity with data modeling and lifecycle challenges Strong communication and collaboration skills with cross-functional partners Nice-to-Haves Experience with graph databases or graph-based data modeling Exposure to ML infrastructure or support systems (e.g., feature stores, batch/stream data) Understanding of data privacy, data access restrictions, or legal compliance in data systems Prior experience mentoring or leading technical direction for other engineers Experience defining the roadmap of an ambiguous technical area.

The Consumer team is responsible for building Plaid's first direct to consumer products, starting with a security focused experience that helps people protect and manage their financial identity. We focus on creating intuitive, high trust experiences that give users more control over their financial data and strengthen their confidence in using Plaid. This is a small, fast moving team working from zero to one on Plaid's first consumer app. Engineers here shape the product, architecture, and long term strategy from the ground up while collaborating closely with product, design, and research. As a member of the Consumer team, you will help design and build the systems that power Plaid's first consumer app. You will collaborate with product, design, and infrastructure partners to deliver features that help people manage their financial identity and feel secure in their financial lives. As a senior technical leader, you will guide architectural decisions, scale backend systems, and shape the long term technical direction of Plaid's consumer platform. You will also mentor other engineers and help define best practices as we grow the team and expand Plaid's consumer offerings.Responsibilities Design and build backend systems that power our consumer-facing experiences Drive technical execution on major features by collaborating closely with product, design, and infrastructure teams Run experiments and use data to iterate on user-facing features and improve adoption Mentor engineers and contribute to a strong, inclusive team culture Influence the long-term technical direction of Plaid's consumer platform Qualifications 8+ years of experience in software engineering, with a proven track record of delivering successful projects 2+ years of experience as a project lead, working with other engineers, and other functions (product, design, data science) to drive execution Familiarity with running experiments and using data to inform product and technical decisions Strong user empathy and ability to balance technical tradeoffs with product outcomes Demonstrated leadership skills, including mentoring junior engineers

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, Washington D.C., London and Amsterdam. AI and intelligent systems are driving the fifth paradigm shift, following previous technological revolutions like mainframes, personal computers, the internet, and mobile devices. We believe, in the foreseeable future, AI will revolutionize the FinTech industry - from how consumers understand and manage their finances, to how developers build applications and how all companies operate. The fintech industry landscape will undergo a fundamental reshape. Plaid in the FinTech AI EcosystemPlaid is uniquely positioned to become the financial data and insights backbone for AI applications and platforms in this evolving ecosystem. We believe consumers should be able to understand and manage their financial life through conversational AI interfaces using natural language. We believe consumers should have peace of mind with a trustworthy consent and authorization manager when agents shop for them. We believe identity verification and financial fraud prevention in AI-powered products should feel seamless and embedded for the end users. The list goes on.The most important AI companies, major fintechs, and customer agent platforms are actively trying to integrate Plaid into AI-powered products and solutions they build. Plaid's AI-powered Experiences for CustomersThe explosive growth in model intelligence and increasing relevance for enterprise tasks offer a unique opportunity for Plaid to rethink from the ground up how we operate and interact with our customers for the most optimal experience. Our early experiments in building AI agents for customer experience are paying off with huge business value. For example, our homegrown AI-powered customer support agents resolve a significant proportion of customer questions and issues within seconds, which would otherwise have required humans hours to work on. This is just the beginning and there is so much more we could do. The AI Applications TeamYou will have the opportunity to join as one of the founding members of this newly formed team that is dedicated to consolidating and rapidly scaling our successful bets so far, and grow with the team in our quest to accelerate Plaid's transformation into an AI-first company. In this role you will lead projects that enable and scale our business with our largest AI customers and partners, starting with personal finance use cases and expanding into many others; examples include:- Develop and evolve the preferred integration pattern for Plaid with AI providers - from API adaptations to building the official Plaid MCP Servers, and beyond- Redefine how Plaid's consumer link experience embed into conversational interfaces in the most seamless way Architect the trust layer for the future of agentic commerce that will become the industry standard Additionally you will be expected to scale and extend our existing successful bets on AI-powered customer experience; examples include:- Make the next step-function improvement in our homegrown customer support agent - land our multi-turn and multi-agent system that powers a truly delightful experience for our customers; define how to scalably run offline evaluation for complex multi-turn open-ended tasks; research and prototype how Human-In-The-Loop - Reinforcement Learning (RLHF) can power an insights flywheel; pioneer the architecture for customer-specific long-term memory, etc.- Extend our agentic system to support other critical parts of the customer journey, starting with areas with the highest ROI - top-of-funnel product recommendation, customer onboarding and risk diligence, customer activation and assistance for faster productionization, as well as upselling and cross-selling of Plaid products You will have a front row seat to all the latest industry developments. Over time, with the skills and experience you develop and hone on this team, you can become an influential voice in defining where AI <> Fintech will be heading longer term.Responsibilities Work with other AI engineers, software engineers and machine learning engineers to architect, design and implement GenAI-powered products and features Collaborate across functions to understand user needs, propose and implement AI-powered solutions where they're expected to have the highest impact Design and execute rapid experiments to push the boundaries on potential business impact from emerging AI capabilities, with a focus on minimal viable testing approaches Balance creative exploration of possibilities with rigorous evaluation of technical feasibility, product potential and business impact Requirements Strong SWE fundamentals (system design, APIs, etc.) Hands-on experience working with LLMs to build products and shipping them to product with iterating with real user feedback - including but not limited to: Prompt engineering Fine-tuning Retrieval augmented generation (RAG) Semantic search - vector database and embedding models Agent orchestration framework Evaluation and monitoring framework of open-ended tasks Streaming and SSE Common UX and design patterns for GenAI-powered products Strong debugging and monitoring experience for production systems Ability to deeply understand customer and user needs through user research and rapid experimentation - be your own technical PM Ability to balance divergent thinking (exploring possibilities) with convergent thinking (evaluating feasibility), which is critical for driving 0 ->1 projects Extremely curious and passionate about working in GenAI applications space Nice-to-Haves Experience training and/or serving ML models in production, or fine-tuning LLMs for domain-specific use cases Comfortable operating in privacy/PII-sensitive environments and applying compliance mitigations The target base salary for this position ranges from $253,200/year to $400,000/year. 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.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.