Staff Software Engineer - Payments Transfer Jobs

Plaid

Location:
United States, San Francisco

Category:
IT - Software Development

Contract Type:
Not provided

Salary:

202800.00 - 330000.00 USD / Year

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Job Description:

We build simple yet innovative consumer products and developer APIs that shape how everybody interacts with money and the financial system. At Plaid, our mission is to build the infrastructure that makes financial services more accessible and reliable—enabling businesses and consumers to move money and manage finances with trust and scale. The Payments Transfer team is central to that mission: we build a multi-rail payment platform to move money between bank accounts for millions of people in the United States. You will define the future architecture of our Payments Transfer systems, ensuring they are reliable, scalable, and built for long-term growth. Additionally, you will execute against an ambitious product roadmap while partnering closely with product and cross-functional teams.

Job Responsibility:

Lead the technical direction of the transfer system including transfer customer onboarding, billing, bookkeeping, payments processing, reconciliation systems
Collaborate across product, design, operations, partnership, and legal teams to make sure the technical solution meets business needs
Discover system quality and reliability opportunities and proactively drive improvements and technical roadmap
Work hands-on: write and review technical designs, write and review code, lead major technical initiatives and new feature development
Mentor engineers and contribute to a strong, inclusive team culture

Requirements:

At least 3-5 years working on payments, billing, invoicing or other financial infrastructure systems
Proven track record of building and operating systems that process payments at scale (e.g., high throughput, high reliability, complex flows such as refunds, settlement)
Strong proficiency in distributed system design, architecture, performance optimization, observability, reliability engineering
Experience setting and maintaining engineering best practices (testing, code review, continuous integration/deployment, on-call practices)
Excellent communication: able to engage with business/product/operations stakeholders, articulate technical trade-offs, drive alignment

Nice to have:

Experience with modern payment rails (e.g., ACH, real-time bank payments, open banking rails) and multi-rail payments architectures

What we offer:

medical
dental
vision
401(k)
equity
commission

Additional Information:

Job Posted:
December 11, 2025

Employment Type:

Fulltime

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Staff Software Engineer - Payments Transfer