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Staff Software Engineer - Money Movement

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Plaid

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Location:
United States , San Francisco

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Category:
IT - Software Development

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Contract Type:
Not provided

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Salary:

202800.00 - 330000.00 USD / Year
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Job Description:

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:
January 10, 2026

Employment Type:
Fulltime
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