Payment Risk Strategist

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 Product Sales team at Plaid is a group of deep product and market specialists who lead and advise on opportunities for Plaid's most strategically important solutions. We partner closely with Account Executives, Account Managers, Product, and GTM leadership to develop and close deals across new and existing customers. The Payments team focuses on bank payments, ACH risk, and money movement. These products are central to Plaid's growth, and we are building a dedicated team to bring our newest payment solutions to market. As an Account Executive, Product Sales - Payments, you will be one of the founding sellers for Plaid's newest payment solutions, including Guaranteed ACH, alongside our broader Payments suite: Account Verification, ACH Risk Optimization, and Money Movement. This is a high-visibility role tied to one of Plaid's top company priorities. You will own turning pipeline into closed ACV for these products and help identify additional pockets of opportunity where Plaid can grow. You are a consultative seller who can lead both business and technical conversations, from day-to-day operators up to the executive team. You enjoy selling products that require deep product unde

About the Team Our team turns OpenAI’s latest model capabilities into polished, trusted products for consumers and developers. We build the end-to-end experiences including product surfaces, platform layers, and developer workflows that make cutting-edge AI accessible, useful, and dependable at scale. OpenAI’s Financial Engineering (FinEng) team powers how revenue flows through our products - pricing and packaging, checkout, payments, subscriptions, and the financial infrastructure behind them. We partner closely with Engineering, Data Science, Risk, Finance, and Go-to-Market to make paying for OpenAI products seamless, reliable, and efficient worldwide. We pair rapid innovation with a rigorous approach to responsible deployment. Safety and trust are built into how we design, ship, and learn from real-world usage, so these tools deliver meaningful value while aligning with OpenAI’s mission. About the Role We are seeking an experienced Product Manager to scale the product efforts and technical strategy within our Financial Engineering team. The ideal candidate has prior experience in billing, finance, and accounting, ideally also building solutions for commercial users of varying sizes from small scale to enterprise. This role requires close collaboration with our product, finance, operations, and engineering teams. This position is based in San Francisco, CA. We utilize a hybrid work model with 3 days in the office per week and offer relocation assistance to new employees. In this role, you will: Develop a strategy and roadmap to efficiently scale the billing operations and customer experience behind OpenAI’s growing product portfolio Identify and execute opportunities to improve the order-to-cash processing for OpenAI’s largest and most strategic customers Build AI powered tooling for key partner teams such as Finance and User Operations to drive better decisions and business outcomes Collaborate with other product teams to defining OpenAI’s evolving monetization s

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. Our Payments Risk team builds and operates decisioning capabilities across Signal and Guarantee. We help customers tune thresholds and rules so they can approve more good transactions while reducing returns. For Guarantee, this work also protects the economics of the risk Plaid underwrites. You will be the technical, customer-facing Payment Risk Consulting Lead for Signal and Guarantee. You will interpret model outputs, diagnose customer performance, and turn that analysis into concrete threshold and rules recommendations. You will own proofs of concept and retros, improve existing integrations, and help the team identify patterns that can be scaled through better processes and product capabilities. Responsibilities Own customer proofs of concept and retros from analysis through recommendations and follow-through. Proactively optimize Signal customers, prioritizing accounts with high return rates. Read model outputs and diagnose the drivers of authorization and return-rate performance. Recommend threshold and rules changes that align with each customer's risk and authorization goals. Help Guarantee customers tune thresholds to achieve target authorization rates while protecting lo

About the Team OpenAI’s Financial Engineering (FinEng) team powers how revenue flows through our products—pricing & packaging, checkout, payments, subscriptions, and the financial infrastructure behind them. We partner with Product, Engineering, Risk, Finance, and Go-to-Market to make paying for OpenAI products seamless, reliable, and efficient worldwide. About the Role As a Data Scientist on FinEng, you’ll own the analytics and experimentation that improve our checkout and payments , subscriptions , and pricing & monetization systems. You’ll define the metrics that matter, build the source-of-truth data assets, and design experiments that increase conversion, reduce churn and payment failures, and expand global payment method coverage. Your work will directly influence revenue, customer experience, and how we scale internationally. This role is based in San Francisco, CA. We use a hybrid work model of 3 days in the office per week and offer relocation assistance to new employees. In this role, you will Own checkout & payments analytics and experimentation across methods and locales (e.g., bank transfers, emerging rails), improving conversion while monitoring risk and latency. Build and run the experimentation program for in-house checkout—define success metrics and guardrails, execute staged rollouts, and use offline incrementality when online tests aren’t feasible. Create operational visibility and source-of-truth data with FinEng Data Engineering—land team-level metrics, SLAs, and self-serve dashboards that drive proactive action. Lead subscription, retention, and monetization analytics—ship launch-readiness for new subscription features, reduce involuntary churn (e.g., targeted retrials/nudges), and develop elasticity/FX frameworks toward pricing optimality. You might thrive in this role if you have 5+ years in a quantitative role (data science, product analytics, or experimentation) in high-growth or fintech environments Fluency in SQL and Python ,

About the Team Consumer Monetization builds the experiences and systems that power how customers purchase and pay for OpenAI products. Our scope spans purchasing flows, payments, subscriptions, and billing, along with the shared capabilities that support new products, offers, and distribution channels. We own both customer-facing experiences and the underlying platforms that power them. We partner closely with Product, Design, Growth, Data Science, and engineering teams across OpenAI to make purchasing effective and reliable, and new offerings easier to launch and monetize. About the Role We’re looking for experienced Staff+ engineers to evolve the payments, billing, and subscription capabilities that support OpenAI’s growing product portfolio. You’ll tackle problems where correctness, reliability, and flexibility are essential: supporting new billing requirements, managing the billing lifecycle, synchronizing state across internal systems and external providers, and enabling new products and commercial models. Your work may span several areas based on your expertise and team priorities: Billing and monetization capabilities: Extend billing capabilities and improve integrations and state consistency across systems to support new products and business models. Subscriptions: Orchestrate purchases, renewals, plan changes, cancellations, and recovery, ensuring customers are charged correctly and receive the right benefits. Payments: Expand payment capabilities through processor integrations, routing, and broader payment-method coverage. Risk and integrity: Partner with risk and integrity teams to integrate controls into purchasing flows, reducing abuse while protecting legitimate customer experiences. You’ll help set technical direction while remaining hands-on in implementation and delivery. This is an opportunity to solve complex engineering problems at scale, connect architecture decisions to customer and business outcomes, and help other engineers take on broader ow

About the Team The Applied organization brings OpenAI’s most advanced technology to the world through products like ChatGPT and the APIs that power a growing ecosystem of developer and enterprise applications. Data Engineering builds and operates the trustworthy, secure, and reliable data systems that power decisions across OpenAI. About the Role We’re looking for a Data Engineering Manager to lead the Growth & Revenue data engineering team. This leader will own the data strategy and execution for the data subject areas spanning growth accounting across all product surfaces, product partnerships, checkout, billing, payments, revenue, and monetization, helping OpenAI understand how people adopt, engage with, and pay for our products. You will partner closely with several Data Science, Business, and Engineering partners to connect product behavior to trustworthy subscriber, payment, and revenue measurement. In this role, you will: Build, manage, and grow a high-performing, inclusive team across the Growth & Revenue data subject areas. Define the data strategy for all the data subject areas you own. Deliver durable, well-modeled data products that connect product behavior, subscription state, checkout events, payment outcomes, and revenue. Establish trusted metric definitions and data quality standards so product, growth, finance, and executive leaders can make fast, consistent decisions. Partner with Data Science and Product teams to support experimentation, causal measurement, funnel analysis, and scalable self-serve analytics. Partner with Finance and Financial Engineering to ensure analytical revenue views reconcile to financial truth and production billing systems. Raise operational excellence for critical pipelines, including reliability, observability, privacy, governance, and incident response. Set a clear roadmap, make principled tradeoffs, and communicate progress and risk across technical and business stakeholders. You might thrive in this role if yo