Job Description:
Plaid’s authoritative source of truth for the user lifecycle: powering recognition, authentication, and the data models behind Plaid’s newest ML-based insights products (LendScore, Protect, etc.). We build the APIs, systems and data models that let Plaid products deliver user-level intelligence at scale. At the center of our work is the living graph that represents people’s entire financial lives; the largest dataset at Plaid! This links all of Plaid’s users, identities, accounts, and transactions. We operate it reliably at global scale for some of the world’s largest companies, including Google, Meta, Shopify, Square, Robinhood, and Venmo. The team owns 3 core pillars: The User Graph: Defines Plaid’s global user and maintains the graph linking identities, accounts, and transactions, exposed via internal APIs for product development and ML inference; The User API: Plaid’s newest API surface, enabling easy multi-product integration and powering fraud prevention, credit decisioning and pre-qualification capabilities, and other data partner insights; The User Decisioning Layer, which powers returning user recognition and authentication across Link and API-only experiences. We tackle hard problems in identity, graph integrity, and trust so product, ML, and data teams can build reliable fraud, credit, and financial management experiences at U.S. financial network scale.We are a high‑performing group of engineers based in San Francisco and New York, collaborating in‑office.
