Engineering Manager - Risk

Engineering Manager – Payment Risk

Join to apply for the role at Plaid
.

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. Plaid works with thousands of companies such as Venmo, SoFi, many of the Fortune 500, and 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.

Bank payments are the top way that money is moved in the US, with over $86 trillion moved over ACH in 2024. Many of these transactions are subject to risk from liquidity, fraud, and abuse, which leads to losses and bad experiences for businesses and consumers alike. Plaid’s Payment Risk team builds the future of bank payment risk tools and solutions.

The current products are heavily used by many of the largest names in fintech and beyond. We employ proprietary AI and ML solutions to offer intelligent insights and decisions that save our customers billions of dollars, and we are heavily investing in improving the power and reach of these solutions.

In this role you will lead a team of engineers responsible for building and maintaining the infrastructure and systems that power both the offline and online components of the Signal Risk Platform. You will partner closely with the ML and data science teams that develop the AI and ML models that generate transaction risk scores, as well as with product counterparts to define strategy, vision, and concrete roadmaps.

A key part of your work will be to design and build APIs and dashboard experiences used by thousands of Plaid customers, and to partner with engineering on technical planning and execution, ensuring high reliability and performance for critical money‑movement flows.

• Set and execute on technical strategy across systems, data, and ML infrastructure.
• Set and maintain a high bar for quality and velocity, leading by example and getting in the weeds of what the team is building.
• Set and hit ambitious goals that deliver value to customers and build robust foundations.
• Hire, mentor and grow engineers across a range of seniority levels.
• Run team processes, including micro and macro‑execution and collaboration across functions and teams.

• 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 distributed architecture and systems.
• Track record of building and growing high performing engineering teams.
• Experience working with machine learning‑based technology and/or products, including knowledge of ML & data infrastructure.

Target base salary for this role is between $214,800 and $366,000 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 scope and responsibilities of the position, candidate’s work experience and skill set, 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…