Machine Learning Engineer - Payment Risk/Fraud - Embedded Insights
Plaid offers a platform that enables applications to connect with users' bank accounts, facilitating a wide range of financial services. They provide tools for payments, personal finance management, credit, and more, serving clients like Moneybox, Western Union, and Affirm. Their core product is an API that provides access to a vast network of financial institutions, allowing developers to build financial products and services.
Funding
Projects
About Plaid
Plaid is a financial technology company that enables applications to connect with users' bank accounts. It allows consumers and businesses to interact with their bank accounts, check balances, and make payments through other financial technology applications. Plaid's network connects to over 12,000 financial institutions across 20 markets, serving a global user base of over 100 million. The company provides APIs for developers to build solutions for personal financial management, credit, payments, business finances, iGaming, and property management. Key products include Auth for account verification, Link for connecting accounts, Transactions for accessing financial data, Balance for real-time checks, Assets for verifying assets, and Identity for user verification. Plaid focuses on increasing conversion, fighting fraud, and providing clean, organized financial data for smarter underwriting and other financial services.
Skills
About the Role
You will drive machine learning initiatives from concept to production, working across the full model development lifecycle. You'll leverage Plaid's unique datasets to identify high-impact opportunities for machine learning, develop proofs of concept to validate new approaches, and build MVP solutions that demonstrate customer value. You'll partner closely with product managers, engineers, and other cross-functional stakeholders, embedding within product teams to translate successful prototypes into scalable, customer-facing products. As solutions gain traction, you'll help expand their reach by optimizing models for new use cases, improving system scalability, and incorporating customer feedback gathered before and after launch. You'll also maintain and enhance existing machine learning systems through feature development, retraining strategies, and robust monitoring frameworks, including metrics, alerts, and dashboards that ensure model performance, reliability, and long-term health.
Requirements
- 2+ years of experience in machine learning, including deploying machine learning models into real-world, customer facing systems
- Payment risk, fraud or trust & safety experience
- High agency and creativity; experience identifying, defining, and proposing high impact machine learning opportunities
- Ability to analyze large and complex financial datasets to derive insights
- Advanced degree or equivalent work experience in Statistics, Economics, Mathematics, Data Science, or a related field
- Proficiency in SQL, Python, and data visualization/analysis tool
- Ability to clearly communicate complex technical systems and decision making
Responsibilities
- Shape Plaid's future as a company where intelligence products are a core value proposition
- Dive into one of the most unique datasets available in the industry and shape the strategy to leverage its value
- Work across many different areas and learn deeply about the entire Plaid product suite
- Build products that empower millions of people to achieve financial freedom and opportunity
- Work closely with customers to ensure products meet their needs and demonstrate true impact
- Join a high ownership team where the greenfield opportunity is extremely high
Benefits
- Medical, dental, and vision insurance
- 401(k)
- Equity