Fraud Model Developer

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. The Fraud Data team at Plaid builds the machine learning systems that power Plaid’s fraud detection products, leveraging insights from across Plaid’s network to help identify and stop fraud before it happens. Our team works across the full data science and machine learning lifecycle—from discovering new signals and experimenting with models to deploying and optimizing them in production. We continuously learn from real-world model performance and customer feedback to improve our systems and develop new ways to protect customers and consumers from evolving fraud threats. As a Senior Machine Learning Engineer on Plaid's Fraud Data team, you will develop models that improve fraud detection for our customers. You will identify predictive patterns in Plaid's network data and lead projects from initial experiments through model deployment and ongoing improvement. Investigate fraud patterns and model errors to identify new signals, improve detection, and expand coverage across customers and use cases. Develop training datasets and predictive features, addressing challenges such as incomplete labels, class imbalance, data leakage, and changing fraud behavior. Design, train, and tune model

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. Our Fraud Intelligence team's mission is to turn fraud signals into insight that our EPD teams transform into improvements across Protect, IDV, Signal, and Guaranteed Payments. We believe transaction patterns, device signals, identity linkages, and behavioral data are dramatically underleveraged tools in fraud prevention, and we ground our products in what adversaries are actually doing right now. As the Fraud Intelligence Lead, you will build and run a small, high-leverage team of Fraud Intelligence Analysts (and eventually a Staff Researcher) responsible for live casework across Protect, IDV, and Payments/ACH. You'll operate as a player-coach, hiring and coaching your team while staying close enough to the work to personally pick up casework and SEV response when needed. Responsibilities Team Building & People Leadership Set the casework quality bar: define what rigorous investigation, triage, and reporting look like for the team Coach analysts on investigation technique, pattern synthesis, and translating findings into product/model input Operating Model & Cross-PA Partnership Own coverage allocation across the Protect/IDV and Payments/ACH pods, including flexing assignments as volume shi

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. Our Fraud team's mission is to help companies detect and prevent fraud using Plaid's financial network data. We believe that transaction patterns, device signals, identity linkages, and behavioral data are dramatically underleveraged tools in fraud prevention. Our products — including Protect and Signal — operate at network scale and depend on real-world investigation and research to stay ahead of adaptive adversaries. As a Senior Fraud Researcher, you will sit at the intersection of live fraud investigation, applied data science, and product innovation. You will lead complex investigations, translate findings into detection improvements, and collaborate tightly with Data Science, ML, and Product teams to shape the next generation of Plaid's fraud capabilities. This is not a purely operational role — your research directly drives features, model inputs, and product design. Responsibilities: Live Fraud Investigation & Reconstruction Lead investigations into complex fraud cases across identities, accounts, devices, and transaction surfaces Provide support to day-to-day fraud operations including SEVs and alert triage Reconstruct attacker sequences and hypothesize actor intent and tooling Distill p

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. We are the Data team within Plaid’s Fraud organization. We build the machine learning systems that power Plaid’s fraud detection products, leveraging Plaid’s network data to help identify and prevent fraud before it happens. Our team owns the end-to-end ML lifecycle, from feature pipelines and model training to production serving and monitoring, ensuring our systems are reliable, scalable, and built to support hundreds of customers and data partners. As a Data Scientist on the Fraud Data team, you will analyze customer and network traffic to understand how Plaid Protect performs across a range of use cases and customer segments. You’ll build dashboards and metrics that provide a clear, shared view of product performance, run backtests to evaluate performance and identify high-impact rules and model strategies, and generate insights that support customer growth and expansion. You’ll also design scalable data models and schemas to enable reliable analysis and reporting, while partnering closely with Product and Engineering to design and analyze experiments for new customer-facing features. Responsibilities: Work at the intersection of product analytics, machine learning, and fraud a

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. The Data team within Plaid’s Fraud organization builds the machine learning systems that power Plaid’s fraud detection products, leveraging Plaid’s unique network data to identify and stop fraud before it happens. The team owns the full ML lifecycle—from feature pipelines and model training to production serving and monitoring—building reliable, scalable systems that deliver high-quality fraud detection as we grow to support hundreds of customers. As a Senior Machine Learning Engineer, you will own the development of high-performance feature computation and online inference pipelines that power production machine learning systems at scale. You’ll build robust observability, monitoring, and automated debugging capabilities, while leveraging AI-assisted tools to investigate complex system behavior and maintain high reliability. You’ll partner closely with ML Infrastructure, Data Science, and Product teams to execute critical technical initiatives and deliver scalable, high-impact ML solutions. Responsibilities: Build and scale machine learning systems that power a rapidly growing fraud detection product in a fast-paced environment. Solve complex technical challenges at the intersect

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, Seattle, Washington D.C., Raleigh, London, and Amsterdam. We are the Fraud Data team within Plaid's Fraud organization. We leverage relationships and activity across Plaid’s network to develop machine learning models that help customers detect and prevent fraud while minimizing friction for legitimate users. Our team owns the full model lifecycle, from data processing and experimentation to feature pipelines, model serving, and monitoring. In this research role, you’ll partner closely with Machine Learning Engineers and Data Scientists to uncover new signals, explore and evaluate innovative modeling approaches, and translate promising research into production-ready solutions that strengthen fraud detection across Plaid’s network. As a Senior Research Scientist, you will lead applied research to develop next-generation fraud detection models across relational graphs, sequential events, images, and video data. You’ll design rigorous experiments and evaluation methodologies that reflect real-world fraud dynamics, while exploring state-of-the-art approaches such as Graph Neural Networks and Transformer-based foundation models. In close partnership with Machine Learning Engineers, you’ll translate promising research into production-ready solu