Staff Software Engineer - Payments Transfer at Plaid

San Francisco, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

FinTech, PaymentsIndustries

Requirements

At least 3-5 years working on payments, billing, invoicing or other financial infrastructure systems
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)
Excellent communication: able to engage with business/product/operations stakeholders, articulate technical trade-offs, drive alignment
[Nice to have] 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
Collaborate across product, design, operations, partnership, and legal teams to make sure the technical solution meets business needs
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
Mentor engineers and contribute to a strong, inclusive team culture

Skills

Key technologies and capabilities for this role

Software EngineeringSystem ArchitecturePayments ProcessingReconciliation SystemsTechnical DesignCode ReviewScalabilityReliability EngineeringBilling SystemsBookkeeping

Questions & Answers

Common questions about this position

What is the salary range for the Staff Software Engineer - Payments Transfer role?

The target base salary for this position ranges from $202,800 to $330,000 a year.

Is this a remote position or does it require working from an office?

This information is not specified in the job description.

What skills are required for this Staff Software Engineer role?

Candidates need at least 3-5 years working on payments, billing, invoicing or other financial infrastructure systems, a proven track record of building and operating scalable payment systems, strong proficiency in distributed system design, architecture, performance optimization, observability, and reliability engineering, and experience setting engineering best practices.

What is the company culture like at Plaid?

Plaid emphasizes building a strong, inclusive team culture, with engineers mentoring others and collaborating across product, design, operations, partnership, and legal teams.

What makes a strong candidate for this position?

A strong candidate has 3-5+ years in payments or financial infrastructure, experience with scalable payment systems, expertise in distributed systems and reliability engineering, and excellent communication skills to align with stakeholders; experience with modern payment rails is a nice to have.

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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