Experienced Software Engineer - Customer Risk

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 Customer Risk team is responsible for managing Plaid's risk from the lens of customers, both new and existing. We are a brand new team that owns a Plaid topline goal for 2024 and is key to the revenue potential of Plaid. Our roadmap for the year includes:
1. building out a new risk engine that allows us to seamlessly onboard customers while ensuring compliance with new and existing regulations building out a platform that continuously monitors risk for existing customers2. building out a platform that continuously monitors risk for existing customers
You will build a risk platform that allows us to seamlessly onboard customers. Your work will impact the company's risk posture and revenue potential. You will drive multi-quarter, cross-team, cross-service technical projects. You will partner with product and engineering leads to define our team's multi-year technical roadmap. You will engage in hands-on coding and architectural design, setting and maintaining high technical standards for a high performing team. You will debug, troubleshoot, and harden our risk platform. You will grow the team via mentorship and leadership, reviewing technical documents and code changes.

Responsibilities

• Lead one of the most critical work-streams and goals for the company's most important goal for the year. 
• Gain extensive collaboration opportunities with cross functional leaders across the company (Risk Operations, Product, GTM, Network Enablement, Customer Growth and Experience, Billing), influence technical direction across several critical teams. 
• Learn to navigate significant technical and organizational complexity to drive impactful outcomesOpportunity to grow their scope from one area (Customer Risk) to a larger organizational scope (Product Platform that encompasses several teams e.g Consumer Risk, Privacy Governance etc)

Qualifications

• 8+ years of experience with extensive experience in software engineering with a proven track record of shipping successful projects.
• Extensive hands-on experience in software engineering with a proven track record of shipping successful projects.
• Excellent cross functional collaboration, communication and project management skills.
• Excellent coding, testing and system design skills.
• Demonstrated leadership skills and the ability to mentor and guide junior engineers.
• Experience working with operations, product, design, and data science.
• [Nice-to-have] Experience in the customer risk/due diligence engineering domain.

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.
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