Payments Risk Analyst in San Francisco

Why join us Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. Brex’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek. Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career. Operations at Brex Operations is the backbone of Brex’s mission to power businesses through our Intelligent Finance Platform. We own credit, fraud, money movement, and payments, protecting our customers and our company. From product operations that ensure flawless launches to scalable systems that drive innovation and precision, we operate at the intersection of product, design, engineering, and customer success. If you want to work at the heart of the business, Operations is where you belong. What you'll do As an Underwriting Senior Analyst, your goal is to ensure our underwriting processes run smoothly and efficiently for our cards products. You'll exercise judgment within established underwriting frameworks to resolve moderately complex cases involving multiple contributing factors. This is a role that requires strong communication, time management, and teamwork. You will implement solutions to uplift processes and engage cross-fun

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 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

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. Overview The Product Sales team at Plaid combines deep product and market expertise to drive adoption and revenue for Plaid's most strategically important solutions. We partner closely with Account Executives, Account Managers, and GTM leadership to develop and close deals across both new and existing customers. The Payments team specializes in bank payments, ACH risk, and money movement — products at the core of Plaid's growth that represent a significant and under-penetrated market opportunity. Role As an Account Executive, Product Sales - Payments, you will drive revenue growth for Plaid's growing suite of Payments solutions– Account Verification, ACH Risk Optimization, and Money Movement. Your primary focus is partnering with account teams to develop and close opportunities. You bring deep payments expertise and a commercial skillset to customer conversations at all levels, translating business problems into Plaid solutions and contributing directly to how we go to market. Responsibilities Drive ACV attainment for Payments solutions across your assigned segments, with clear accountability for pipeline generation and deal execution Partner with AEs and AMs on discovery through close; take direct

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

Why join us Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. Brex’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek. Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career. Operations at Brex Operations is the backbone of Brex’s mission to power businesses through our Intelligent Finance Platform. We own credit, fraud, money movement, and payments, protecting our customers and our company. From product operations that ensure flawless launches to scalable systems that drive innovation and precision, we operate at the intersection of product, design, engineering, and customer success. If you want to work at the heart of the business, Operations is where you belong. Where you’ll work This role will be based in our San Francisco office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of three coordinated days in the office per week - Monday, Wednesday, and Thursday. As a perk, we also have up to four weeks per year of fully remote work! What you’ll do As a Fraud Operations Associ

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Vice President, Software Engineering Overview Decision Stream is Mastercard's next-generation AI-native decisioning platform, designed to power intelligent, real-time decisions across fraud, authentication, payments, and risk. Built with a startup mindset and enterprise-scale ambition, the platform combines innovation, speed, and engineering excellence to redefine decisioning across Mastercard's global ecosystem. We are seeking a visionary and hands-on VP of Software Engineering to help build and scale the platform. This leader will partner closely with Product, Architecture, AI, and Platform Engineering teams to drive technology strategy, architecture, engineering execution, and organizational growth. What You'll Do Lead Through Technical Excellence • Serve as a senior technology leader and role model for engineering teams. • Drive architecture, design, and technology decisions across distributed systems, streaming, AI, and cloud-native platforms. • Engage deeply with engineers, architects, and product leaders to solve complex technical challenges. • Influence engineering standards, software quality, and operational excellence. Build and Scale the Platform • Help shape and deliver a highly scalable, resilient, and secure decisioning platform operating at Mastercard scale. • Balan

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, Washington D.C., London and Amsterdam. Sales Engineering unlocks and empowers prospects’ full potential on the Plaid Network. We bring product expertise and drive Revenue outcomes by being customer-obsessed technical advisors in the pre-sales process. You’ll work closely with our Enterprise Sales team as the technical lead during the pre-sales process. You will be responsible for partnering with Account Executives, proactively pushing deals forward by overcoming technical objections and building solutions around Plaid products. You will ensure a successful transition to the post-sale stage of the customer lifecycle and partner with account teams to drive adoption of new products by existing customers. You will be expected to have significant knowledge of the Fintech ecosystem and a deep understanding of how clients can best utilize Plaid. Responsibilities Serve as the lead technical advisor for Enterprise accounts from discovery through solution design, evaluation, and post-sale handoff. Partner with Account Executives to align Plaid capabilities to customer priorities across payments, wallets, gaming, travel, and lending. Build alignment with technical, product, risk, and operations stakeholders on complex enterprise initiatives. Lead d

About the Team OpenAI Finance ensures the organization is positioned for long-term success as we pursue our mission. The Order to Cash (OTC) team oversees the end-to-end flow of commercial transactions from order intake and provisioning through billing, collections, credit risk, accounts receivable operations, and cash application. The team focuses on accuracy, compliance, operational discipline, and a high-quality customer experience. About the Role We are hiring for the Senior Credit & Collections role to support OpenAI's global receivables operations, with a focus on white-glove support for premier and strategic accounts across the U.S. and key regional areas of AR work, including standard operating procedures, payment methods, customer portals, disputes, cash application handoffs, escalations, and emerging go-to-market channels. In this role, you will manage complex customer accounts, guide priority AR workstreams, support credit reviews, and partner cross-functionally with Sales, Customer Success, Billing Operations, Deal Desk, Legal, Accounting, Cash Application, Finance Systems, and external partners. You will help improve cash collections, reduce aging, support responsible credit decisions, and maintain a strong customer experience across sensitive, high-value, and operationally complex relationships. 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 Manage a portfolio of premier, strategic, and high-touch customer accounts across the U.S. and key regional AR work areas, ensuring timely collections, clear communication, and a white-glove customer experience. Support collections coverage across key regional areas of AR work, including payment follow-up, documentation requirements, portal submission workflows, tax or invoicing considerations, dispute coordination, and escalation management. Support new channel success, including marke

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. At Plaid, Product Marketing plays a pivotal role across the entire product lifecycle—from shaping product strategies and defining target audiences, to ensuring successful product launches and market adoption. We collaborate closely with Product, Sales, and Marketing teams, creating compelling narratives, influencing product direction based on customer feedback, and driving go-to-market strategies that align with our business goals and customer needs. As a Product Marketing Manager for Payments, you’ll help bring Plaid’s vision for bank payments to life: making us the method of choice for Billers, Fintechs, and Financial Institutions. Our mission is to harness Plaid’s network—spanning coverage, intelligence, and conversion—to deliver seamless, secure, and intelligent payment experiences. This role is central to accelerating adoption, scaling product impact, and redefining how money moves across the financial ecosystem. Responsibilities: Craft clear, compelling positioning and messaging highlighting the unique value of Plaid’s solutions Conduct ongoing competitive analysis and research to inform product positioning, identify new opportunities, and ensure Plaid maintains a clear comp

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. The Enterprise Partnerships team at Plaid works with some of the most influential enterprise companies, helping bring Plaid’s solutions to market through high-impact partnerships. In this role, you’ll lead the acquisition of new partners and play a meaningful role in expanding a fast-growing, strategically important part of the business. In this role, you'll be the primary point of contact for Enterprise partners with a specific focus on managing our payment partners looking to leverage Plaid in a number of ways from Pay-by-Bank to account funding to KYC. You own the full partner lifecycle: from technical integration and "first customer live" milestones to scaling volumes and driving product expansion. You are a "corporate athlete" who thrives in ambiguity: you are just as comfortable diving into technical API specifications with an engineer as you are negotiating commercial terms with a C-suite executive. You will act as the internal quarterback, driving cross-functional work streams across Product, Legal, Engineering, and Marketing to align internal resources with partner needs. Successful candidates bring a blend of commercial prowess, high-level business acumen, and a proven track record of infl

About the Team OpenAI’s mission is to ensure that general-purpose artificial intelligence benefits all of humanity. The Payments team works across product, engineering, design, and finance to build the financial infrastructure that makes OpenAI’s products accessible to consumers and enterprises around the world. As AI introduces new ways for people and organizations to work, the team is defining how to support and monetize emerging forms of product usage, from usage-based pricing to agentic work. We’re building the foundational systems that help OpenAI products deliver clear, reliable, and scalable payment experiences while ensuring that this powerful technology is deployed responsibly. About the Role In this role, you’ll lead design for one of OpenAI’s most foundational product areas: the payments and monetization infrastructure that supports our consumer and enterprise products. You’ll partner closely with product, engineering, and cross-functional teams to shape how customers understand, manage, and pay for entirely new kinds of AI usage. Your work will extend beyond traditional checkout and billing. You’ll help define the systems, frameworks, and experiences behind durable pay-as-you-go models, Codex usage, and agentic workflows, translating complex business and technical requirements into intuitive experiences. As a product designer in a highly ambiguous and rapidly evolving space, you’ll influence both product strategy and the underlying infrastructure that OpenAI products depend on. This role is based in our San Francisco HQ. We offer relocation assistance to new employees. In this role, you will: Lead the design direction for foundational payments, billing, and monetization experiences across OpenAI’s consumer and enterprise products. Design and ship high-quality, end-to-end product experiences, from early systems and interaction concepts to high-fidelity prototypes and production-ready designs. Shape the infrastructure and product frameworks that support em

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+ full-stack engineers to shape purchasing experiences and monetization capabilities across OpenAI products. You’ll work across web experiences, product APIs, and shared components, combining strong product judgment with technical depth. The work ranges from improving checkout conversion and performance to enabling new pricing models, offers, and ways for customers to purchase our products. You’ll help identify opportunities, turn ambiguous goals into concrete technical plans, and lead initiatives from exploration through launch. As patterns emerge across products, you’ll develop reusable capabilities that make future launches faster and more consistent. This is a hands-on technical leadership role with substantial ownership over architecture, implementation, and product outcomes. This role is based in San Francisco, with three days per week in the office. In this role, you will: Architect and build purchasing experiences end to end, from frontend interactions through the product APIs and backend integrations that support them. Improve checkout conversion, performance, and reliability through experimentation, product analytics, and customer insights. Develop shared checkout components and monetization capabilities that support new products, pricing models, offers, and distribution channels. Partner with Product, Design, Growth, and Data Science to