Product Lead - Money Movement at Plaid

San Francisco, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FintechIndustries

Requirements

12+ years of experience, including 8+ in product management or equivalent founder/operator roles
Proven success building and scaling payments or financial infrastructure products with complex regulatory or operational components
Experience leading payments operations and balancing speed, compliance, and reliability at scale
Strong understanding of payment risk, reconciliation, and network performance in financial systems
Exceptional mix of strategic vision and executional depth; able to set direction while managing day-to-day operational realities
Track record of influencing cross-functional teams across engineering, operations, risk, and go-to-market
Excellent communication and stakeholder management skills across technical and executive audiences
Familiarity with real-time payment systems (RTP, FedNow)

Responsibilities

Own the money movement strategy. Define the long-term vision and roadmap for Plaid’s Transfer products across ACH, RTP, FedNow, Wires, and RfP
Scale real-time payments. Lead the evolution of Plaid’s payments operations, setting the standard for reliability, reconciliation, and network performance
Balance growth and risk. Oversee ACH operations and customer oversight, driving both compliance and scale across Plaid’s payments ecosystem
Build trusted infrastructure. Partner with Engineering and Operations to deliver systems that are resilient, transparent, and insight-driven
Represent Plaid externally. Act as a thought leader in the future of open, real-time payments and modern financial infrastructure
Lead with ownership. Operate with urgency, creativity, and accountability, modeling Plaid’s ownership mindset across product and operations

Skills

Key technologies and capabilities for this role

Product RoadmapPayments PlatformACHRTPFedNowRisk ManagementGo-to-MarketCross-functional LeadershipPartnership ManagementReal-time Payments

Questions & Answers

Common questions about this position

What is the salary or compensation for the Product Lead - Money Movement role?

This information is not specified in the job description.

Is this a remote position, or where is it located?

This information is not specified in the job description.

What skills and experience are required for this role?

The role requires deep product and operational leadership experience, expertise in payments systems including ACH, RTP, FedNow, Wires, and RfP, and the ability to work cross-functionally with engineering, operations, risk, and go-to-market teams.

What is the company culture like at Plaid?

This information is not specified in the job description.

What makes a strong candidate for the Product Lead - Money Movement position?

Strong candidates are motivated by building systems that redefine how money moves at scale, in real time, and with impact, with experience owning money movement strategy, scaling real-time payments, balancing growth and risk, and representing externally as a thought leader.

Plaid

Connects financial accounts to apps securely

About Plaid

Plaid simplifies financial data management for individuals and businesses by connecting various financial accounts to apps and services. Its main product is a set of APIs that allow developers to integrate financial data into their applications, enabling users to track spending, initiate payments, and access financial services all in one place. Plaid serves a wide range of clients, including app developers and financial institutions, and is used by popular apps like LendingTree and Square. Unlike many competitors, Plaid focuses on providing a comprehensive and scalable platform that supports various financial use cases, such as transactions and identity verification. The company's goal is to enhance the way users interact with their financial data, making it easier and more secure.

San Francisco, CaliforniaHeadquarters

2013Year Founded

$714.3MTotal Funding

SERIES_DCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

We've got you covered: From medical, life, and 401ks, we’re here to support your physical, mental, and financial wellbeing.

Everyone is an owner: We want everyone to feel ownership over their work - literally, which is why we offer equity to full-time Plaids.

Vacation your way: We want to make sure you have time to meet your personal needs with unlimited PTO and two weeks of synchronous, company-wide vacation.

Grow your skills: Every Plaid is in control of their career development with our learning stipends, tools, and trainings.

Risks

Increased competition from API-based banking solutions like FIS's Code Connect platform.

Potential legal challenges, such as PNC's lawsuit over trademark issues.

Demand for enhanced transparency and security in financial data sharing.

Differentiation

Plaid offers seamless financial data integration through robust APIs for diverse clients.

Plaid's Pay by Bank for Bill Pay provides a cost-effective recurring payment solution.

Plaid's strategic partnerships enhance its value proposition in payroll and payment sectors.

Upsides

Plaid's expansion into the Triangle area indicates growth and increased hiring potential.

Partnership with Dwolla enhances Plaid's presence in the secure payments sector.

Collaboration with Ansa expands market reach through pay-by-bank capabilities for merchants.

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