Senior Machine Learning Engineer - Payments

Company: Plaid
Location: San Francisco
Posted on: February 15, 2026

Job Description:

Job Description Job Description We believe that 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 experiences that thousands of developers use 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, 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 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. LI-Remote Plaid’s Machine Learning team is building models that improve how millions of users understand and grow their financial lives. We're looking for machine learning engineers with experience applying state-of-the-art machine learning and modeling techniques including natural language processing, anomaly detection, optimization, and time series forecasting toward different product areas. We value not only technical know-how, but also creativity, user empathy, and teamwork. You’ll be a machine learning engineer as a part of the core ML payments team, contributing to diverse, high-impact machine learning challenges. Specifically, you will focus on designing, building and deploying scalable ML solutions and systems. You will lead the efforts to experiment with new modeling approaches and strategies, as well as collaborating closely with a skilled team of engineers on ingesting signals and productionizing these models. If you're interested in building the state of art AI/ML solutions to unblock financial freedom for everyone, let's chat! Responsibilities Build with impact. Your work will empower millions of users through well-known and emerging Fintech Applications with access to financial services. Experiment with cutting edge ML modeling techniques. Work on both 0-1 stage problems as well as 1-10. Develop AI/MLmodels in a full life cycle, from offline training to online serving and monitoring. Collaborate with teams across Plaid to define ML roadmap. Dive deep into data and apply data driven decisions in day-to-day work. A high ownership, bottom-up driven team. Qualifications 5 years in training and serving AI/ML models in a production environment. Experience in building/working with data intensive backend applications in large distributed systems. Ability to code and iterate independently on top of data infrastructure tools like Python, Spark, Jupyter notebooks, standard ML libraries, etc. Take pride in taking ownership and driving projects to business impact. Data analytics and data engineering experience is a plus. Experience with the industry application of NLP is a plus. Experience with the FinTech industry is a plus. Ability to work with technical and non-technical teams Master's degree or equivalent work experience in Computer Science, Mathematics, Engineering, or a closely related field. The target base salary for this position ranges from $225,600/year to $337,200/year in Zone 1. The target base salary will vary based on the job's location. Our geographic zones are as follows: Zone 1 - New York City and San Francisco Bay Area Zone 2 - Los Angeles, Seattle, Washington D.C. Zone 3 - Austin, Boston, Denver, Houston, Portland, Sacramento, San Diego Zone 4 - Raleigh-Durham and all other US cities Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans. Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! 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. Please review our Candidate Privacy Notice here. Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid! 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. Please review our Candidate Privacy Notice here.

Keywords: Plaid, Concord , Senior Machine Learning Engineer - Payments, IT / Software / Systems , San Francisco, California