Product Lead- Payment Risk

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.

As part of this mission, Payment Risk is a core pillar of how we empower businesses to move money safely and efficiently. The Payments Risk Product Lead will drive the success of our end-to-end payment risk solutions, including Signal and Balance.

The risk landscape is rapidly evolving, and this role will be responsible for setting the strategic direction for Plaid’s risk solutions across ML-driven and data-centric offerings. The Payments Risk Product Lead will shape product development, improve model iteration cycles, and ensure operational excellence. This person will also be responsible for ensuring that Plaid’s risk offering evolves alongside Plaid’s complimentary fraud-prevention suite of capabilities, working with fraud-focused leaders at Plaid to ensure a holistic approach to both risk and fraud.

This role is a unique mix of product strategy, customer-facing engagement, and deep technical execution, requiring someone who can think at a high level about the future of risk at Plaid while also driving execution direction with some of the most exciting brands in Fintech and more.

If you’re interested in leading the team that defines bank-based risk solutions on the cutting edge of Fintech, let’s chat.

• Own the success of Plaid’s payments risk solutions, driving both ML-based and data-centric risk products.
• Set the strategic vision for payment risk, spanning products such as signal and balance.
• Drive customer research, GTM alignment, and product expansion efforts to improve risk outcomes for our customers.
• Oversee the integration layer and Dashboard experience for risk.
• Lead ML/DS risk platform development, ensuring the robustness of Plaid’s model outputs.
• Explore and develop major new risk features to bolster Plaid’s risk management capabilities.
• Partner with engineering, data science, client teams, and external stakeholders to ensure the continuous evolution of our risk solutions.
• Manage another Product Manager focused on the risk space alongside yourself.

• 7+ years of product management experience, ideally in risk, fraud prevention, payments, or financial infrastructure.
• Experience managing other product managers.
• Understanding of ML-driven risk models and experience managing either fraud detection tools or risk-based decisions.
• Proven track record of strategic execution, particularly in balancing short-term risk mitigation with long-term product scalability.
• Experience working cross-functionally with engineering, data science, and GTM teams.
• Strong analytical skills, with the ability to interpret complex datasets and drive business decisions.
• Ability to scale model feedback loops, improving risk products in collaboration with client engineering and customers.
• Passion for building high-impact risk solutions that enable businesses to move money securely.

Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com.

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