Full-Time

Experienced Software Engineer

Credit

Confirmed live in the last 24 hours

Plaid

Plaid

1,001-5,000 employees

Connects financial accounts to apps securely

Fintech
Financial Services

Compensation Overview

$182.5k - $297kAnnually

Mid, Senior

Company Historically Provides H1B Sponsorship

New York, NY, USA

Hybrid position requires in-office work.

Category
Backend Engineering
FinTech Engineering
Frontend Engineering
Full-Stack Engineering
Software Engineering
Required Skills
UI/UX Design
Data Science

You match the following Plaid's candidate preferences

Employers are more likely to interview you if you match these preferences:

Degree
Experience
Requirements
  • Excellent coding and testing skills
  • Experience designing and implementing large scale backend systems
  • Experience as a project lead, owning work end-to-end for 2+ quarters
Responsibilities
  • You will work closely with a highly iterative, cross-functional team to understand product requirements and legal constraints to build next-generation Credit products.
  • You will deeply understand Client needs and architect solutions tailored to their use cases.
  • You’ll partner with other teams within the Credit group, working closely with other engineering teams as well as Design, Data Science, and more to iterate on and productionize new products.
  • You’ll have the opportunity to architect efficient, scalable services paired with well-designed UI as we work closely with our Clients.
  • You’ll own and lead projects, step up as a trusted member of the team’s oncall rotation, advocate for technical and process changes, and follow best practices to increase overall system reliability.
Desired Qualifications
  • [Very-nice-to-have] strong communication skills
  • [Nice-to-have] Experience working in the Credit/Lending space
  • [Nice-to-have] Experience with Python, Golang, SQL, and/or AWS

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 suite of APIs that cover various financial use cases, ensuring secure and seamless data sharing. The company's goal is to empower clients to offer better financial services by making financial data integration easy and reliable.

Company Size

1,001-5,000

Company Stage

Series D

Total Funding

$714.3M

Headquarters

San Francisco, California

Founded

2013

Simplify Jobs

Simplify's Take

What believers are saying

  • Plaid's revenue grew over 25% in 2024, showing strong market demand.
  • Plaid's identity verification product usage increased by 400% last year.
  • Plaid's partnership with Algebrik AI expands its reach in loan origination.

What critics are saying

  • Stytch's Connected Apps may reduce Plaid's identity verification market share.
  • CFPB's closure could lead to regulatory uncertainties for Plaid.
  • 'Pay by bank' solutions may challenge Plaid's payment products.

What makes Plaid unique

  • Plaid offers a robust API platform for seamless financial data integration.
  • Plaid's consumer-permissioned data enhances identity verification and financial decision-making.
  • Plaid's strong presence in the US and Europe supports global financial connectivity.

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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.

Growth & Insights and Company News

Headcount

6 month growth

-1%

1 year growth

0%

2 year growth

-5%
VentureBeat
Feb 19th, 2025
A Stytch In Time: Connected Apps Untangles Authorization Tie-Ups For Ai Agents

Join our daily and weekly newsletters for the latest updates and exclusive content on industry-leading AI coverage. Learn More. AI agents are set to change ID authorization: As they integrate behind the scenes, they will need to move seamlessly between different apps on our behalf, and not get continually halted by login screens, lest they become cumbersome. “Every app, or almost every app, will need to function as its own identity provider in the future,” Reed McGinley-Stempel, CEO of authorization platform Stytch, told VentureBeat. This requires a different approach to permissioning, one that supports sophisticated AI workflows while also protecting sensitive proprietary and personal data. Stytch’s new Connected Apps is aimed at this: The platform allows any SaaS company to become its own identity provider (IdP), ultimately enabling AI agents and third-party apps to securely authenticate, access data and take action on behalf of users.“AI agents are obviously having a moment,” said McGinley-Stempel. “You can delegate a task to an agent, and it can allow those other apps that are connected to this core customer or this primary identity provider to have read and write functionality.” Supporting whole-app ecosystemsSince its founding four and a half years ago, Stytch’s main role has been to effectively power “identity handshakes”: The platform enables the “client” side of the handshake with an external identity provider (such as Google or Microsoft) to verify user identity, share information like emails and names and allow for a simple login. Now with Connected Apps, Stytch customers can make the data within their apps accessible to other apps (both from a read and a write perspective). Third-party apps and agents can verify user identity, receive information and act on behalf of users in a permissioned way (AI agents), and login states can be shared between apps and systems. As McGinley-Stempel put it: “You can support an app ecosystem.” He pointed to the rise of “unsanctioned agentic access” — for instance, he personally has connected OpenAI Operator to his Twitter and LinkedIn profiles to occasionally do certain things on his behalf. “One of the problems with that is from a security and privacy and consent management level, it’s giving complete, broad-range access to these agents,” he conceded. With Connected Apps, the goal is to be more “programmatically secure” so that admins have a control pane and can properly manage permissions and refresh or revoke tokens as needed, he explained. “Because even though I want that productivity gain, I also need the ability to revoke access if I don’t think a certain app should be connected,” said McGinley-Stempel

Open Banking Expo
Feb 17th, 2025
US-based Loquat integrates Plaid's Open Banking connectivity

Florida-based Loquat, which operates a proprietary business cloud banking platform for financial institutions, businesses and consumers, has partnered with data network Plaid to introduce Open Banking to credit union and community bank customers.

PYMNTS
Feb 10th, 2025
With Cfpb Closed, Open Banking Awaits Next Steps

The Consumer Financial Protection Bureau is shuttered — at least for now. In the wake of Russell Vought — head of the Office of Management and Budget — moving to the acting director role at the CFPB, supervisory and examination activities were halted Sunday (Feb. 9). On Monday (Feb. 10), news came that Vought sent an email to CFPB staffers that said, “Employees should not come into the office. Please do not perform any work tasks.”

Twin Cities
Feb 9th, 2025
Plaid is in season at the Ren Fest

Plaid is in season at the Ren Fest.

PYMNTS
Feb 3rd, 2025
Plaid And Algebrik Launch Cu-Focused Loan Origination Platform

Plaid has launched a partnership with loan origination platform Algebrik AI. The collaboration, announced Monday (Feb. 4), will integrate Plaid’s consumer-permissioned data with Algebrik, allowing for easier identity verification, financial data access and better decision-making for lenders and borrowers. “Credit unions, a key focus of this partnership, stand to gain significant operational advantages,” the companies said in a news release