Payment Risk Lead

We believe 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 infrastructure developers need 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 and 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 11,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Salt Lake City, Washington D.C., London and Amsterdam.

We're looking for an experienced payment Risk lead to join the Transfers + Payments team. Our team is focused on making it easy for consumers to pay by bank - we are reimagining how millions of consumers and fintechs move money in a convenient and secure way. Our service is depended on by dozens of companies to power their ACH payment needs and is growing rapidly, and we're looking for someone to manage our payment risk model and ensure we maintain an acceptable profit/loss ratio.

What excites you:

• Playing the role of subject matter expert and leader in payment risk management
• Influencing leadership on how to run an effective, efficient payment risk function
• Ensuring that day-to-day payment risk processes are completed at high quality, resulting in minimal losses
• Developing and tracking key metrics to drive execution and identify opportunities for operational improvement
• Building out processes, success measures, and operational playbooks outlining how Plaid would respond under various circumstances
• Running impactful inferential analyses and data investigations to identify recurring patterns, root causes, and propose actionable product solutions
• Anticipating issues and risk, taking proactive measures to mitigate

What excited us

• 8+ years of relevant experience in payment risk (even better if you have experience at a high-growth fintech startup)
• Deep understanding of various statistical techniques and experimentation analysis workflows
• Strong familiarity with SQL and data visualization tools
• Organization and an ability to develop processes and playbooks so that we can all sleep well at night
• Track record of setting and meeting/exceeding operational metrics
• Growth mindset, always looking to learn and improve
• 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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