Plaid aims to improve how people interact with their finances by building tools and experiences for developers. The Payments Transfer team is crucial to this mission, developing a multi-rail payment platform to facilitate bank-to-bank money movement for millions in the US. The role involves defining the future architecture of these systems to ensure reliability, scalability, and long-term growth, while executing an ambitious product roadmap.
Requirements
- 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).
- Experience with modern payment rails (e.g., ACH, real-time bank payments, open banking rails) and multi-rail payments architectures
Responsibilities
- Lead the technical direction of the transfer system including transfer customer onboarding, billing, bookkeeping, payments processing, reconciliation systems.
- 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.
- Define the future architecture of our Payments Transfer systems, ensuring they are reliable, scalable, and built for long-term growth.
- Execute against an ambitious product roadmap while partnering closely with product and cross-functional teams.
Other
- Collaborate across product, design, operations, partnership, and legal teams to make sure the technical solution meets business needs.
- Mentor engineers and contribute to a strong, inclusive team culture.
- Excellent communication: able to engage with business/product/operations stakeholders, articulate technical trade-offs, drive alignment.
- At least 3-5 years working on payments, billing, invoicing or other financial infrastructure systems.
