Plaid

Leading consumer insights and innovation initiatives to inform product strategy and growth. | Extensive experience in consumer research, product innovation, and team leadership, with no specific macroeconomic or credit modeling expertise. | 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 Macro & Economic Insights team is responsible for translating Plaid's unique, high-frequency transaction and balance data into rigorous, forward-looking insights about household financial health, credit dynamics, and the broader economic cycle. The team builds internal indicators, research outputs, and external-facing analysis that leverage Plaid's data advantage to inform strategy, products, and market narratives. As the Macro and Credit Research Economist, you will build and own macroeconomic and credit indicators derived directly from raw transaction data. You will develop forecasting models, identify economic turning points, and produce rigorous analysis that informs internal decisions and external research. Responsibilities: • Work directly with large-scale, messy transaction data to build the transformations, filters, and statistical frameworks needed to extract reliable economic and credit-cycle signals. • Develop forecasting models that quantify household financial conditions, credit dynamics, and broader economic trends, emphasizing real-world performance and interpretability. • Identify leading indicators and turning points across liquidity, spending patterns, credit behavior, income stability, and other elements of household financial resilience. • Build methodologies that detect changes in economic regimes and risk conditions based on high-frequency data. • Produce rigorous backtests, scenarios, and real-time indicators that inform internal strategic decisions and external-facing research. • Create investor-grade written analyses, dashboards, and periodic briefings that synthesize model outputs with clear economic context. • Benchmark internal measures against official statistics and market expectations, highlighting where Plaid's data provides differentiated early insight. • Collaborate with product, policy, comms, and GTM teams to shape how selected findings inform data products, strategic narratives, and outreach. Qualifications: • PhD in Economics (macro, finance, monetary, applied micro) or an equivalent quantitative field. • 4-8 years of applied experience in macro strategy, credit investing, systematic research, or consumer credit analytics. • Strong econometric and time-series modeling skills, with experience linking micro data to macro outcomes. • Proficiency in Python and SQL, with comfort working directly with large, noisy, high-frequency datasets. • Ability to independently build data pipelines and handle raw transaction data, rather than relying on pre-curated macroeconomic datasets. • Strong written communication skills suitable for investor and executive audiences.A practical, market-oriented approach focused on accuracy, robustness, and clear reasoning. Preferred Qualifications: • Preferred Experience in hedge funds, asset management, credit investing, central bank research, or fintech risk teams. • Familiarity with consumer credit behavior, household finance, and unsecured lending cycles. • Track record of forecasting under uncertainty with measurable performance. • Experience producing research or insights that influenced investment decisions or risk assessments $213,600 - $296,400 a year The target base salary for this position ranges from $213,600/year to $296,400/year [in San Francisco OR New York]. The base salary range listed for this full-time position excludes commission (if applicable), equity and benefits. The pay range shown on each job posting is the minimum and maximum target for new-hire salaries. Actual pay may be higher or lower depending on factors like skills, experience, and relevant education or training. 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.

Develop and prototype advanced fraud detection models, run experiments, and translate prototypes into production systems. | Requires a PhD or equivalent research experience, 3+ years in ML research or engineering, strong Python skills, and experience with large-scale training and graph systems. | 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 Data team within Plaid’s Fraud organization builds the machine learning systems that power Plaid’s cutting-edge fraud detection products. By leveraging Plaid’s extensive network data, we enable proactive fraud prevention—stopping fraud before it happens. Our team owns the entire ML lifecycle, from developing feature pipelines and training models to deploying and monitoring them in production. We ensure that our systems scale reliably and efficiently as Plaid continues to grow and support hundreds of customers. As a Senior Machine Learning Engineer (Research Scientist) on Plaid’s Fraud Data team, you will design and build scalable ML infrastructure that powers our industry-leading fraud detection product. You’ll lead the evolution of our model deployment, monitoring, and observability frameworks to ensure high reliability and performance at scale. Collaborating closely with teams across ML Infrastructure, Product, and Engineering, you’ll deliver robust systems that protect users and customers from fraud. In addition, you’ll mentor other engineers and help shape the long-term technical vision and strategy of the Fraud Data team. ***We are open to remote candidates for this role*** \n Responsibilities Lead applied research to develop next-generation fraud models over relational graphs, sequential events, images, and videos data. Design and run rigorous experiments and develop evaluation methodologies that reflect real-world fraud dynamics. Prototype state-of-the-art model architectures (Graph Neural Networks, Transformer-based foundation models) and translate successful prototypes into production with fellow MLEs. Publish and communicate results internally and externally raising the technical bar for fraud ML at Plaid. Qualifications PhD strongly preferred; we will consider equivalent research experience with a strong publication/innovation track record 3+ years of experience as a Machine Learning Engineer or Research Scientist Strong scientific rigor and communication Strong Python skills + ability to build high-quality research prototypes Fraud / security / abuse domain experience - Nice to have Experience with large-scale training, graph systems, and sequential modeling - Nice to have \n $225,600 - $337,200 a year The target base salary for this position ranges from $225,600/year to $337,200/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 Diego Zone 4 - Raleigh-Durham and all other US cities \n 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.

Manage and grow a team of engineers to build and scale Plaid's Credit Dashboard product, collaborating with product and design teams and contributing to technical strategy. | 2+ years engineering management experience, strong software engineering background, experience with backend systems, product ownership, and building high-performing teams. | 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. Our mission is to unlock cash flow underwriting with no code required. We are building a no-code solution designed to accelerate speed to market for lenders who are eager to integrate real-time, actionable cash flow data and insights into their underwriting workflows. The Credit Dashboard is no code solution to our Credit products. Customers do not need an engineering team to integrate with Plaid and onboarding is instant as there is no need to build an integration. Supports our classic products, like Assets and our CRA products Partnerships. Credit is critical part of Plaid’s overall product strategy. As an Engineering Manager, you will manage a growing team of engineers to bring to reimagine and scale our Credit Dashboard. You’ll work closely with product, design, and engineering partners in day-to-day execution on complex projects. Additionally, you will contribute to a long term product and technical. You’ll directly grow engineers on your team, developing growth plans and accelerating their career trajectory. You’ll get deeply involved in the technical details of your team, driving design decisions and even shipping code if the team needs it. Responsibilities • Working on Credit products – Plaid’s top product priority – balancing foundational initiatives with product objectives • Mentoring and guiding experienced engineers • Setting long-term team strategy • Collaborating closely with cross-functional partners to translate product and compliance requirements into revenue-driving products Qualifications • 2+ years of engineering management experience with significant experience as a software engineer • Experience owning a production product and working with a product manager and/or business partners to drive business impact • Deep experience with backend architecture and systems • Track record of building and growing high performing engineering teams $214,801 - $366,000 a year The target base salary for this position ranges from $214,800/year to $366,000/year [in Zone 1, in Zone 4 or encompassing all Zones]. 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. 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.