Plaid Software Engineer

The CRA Foundations Team (CRAFT) is responsible for architecting the platform for Plaid's CRA entity. This team works closely with cross-functional partners (e.g. Product, Legal) to think through future CRA product requirements and compliance constraints, translating those inputs into the scalable platform from which CRA products can be launched You will be responsible for working full-stack to plan, design, and build the next generation of Credit products. You'll work closely with cross-functional partners from Product, Legal, and Design to deliver new solutions for our Clients You'll have opportunities to learn new technologies and languages, and to be a project owner as we explore ambiguous problem spaces You will work closely with a highly iterative, cross-functional team to understand product requirements and legal constraints to build next-generation Credit products You will deeply understand Client needs and architect solutions tailored to their use cases You'll partner with other teams within the Credit group, working closely with other engineering teams as well as Design, Data Science, and more to iterate on and productionize new products You'll have the opportunity to architect efficient, scalable services paired with well-designed UI as we work closely with our Clients You'll own and lead projects, step up as a trusted member of the team's oncall rotation, advocate for technical and process changes, and follow best practices to increase overall system reliability

Plaid builds infrastructure that allows a consumer to interact with their bank account on the web through a number of third-party applications, like Venmo, Robinhood, Coinbase, Acorns and LendingClub. Plaid has integrated with 12,000 financial institutions in the US, Canada, the UK and Europe. About a quarter of people living in North America with bank accounts have linked with Plaid through at least one of the hundreds of apps that leverage Plaid's application program interfaces (APIs). The platform allows companies to create financial services applications without having to hire their own team of engineers to build out a tool that connects apps to its users' bank accounts. This is very valuable in a world where there are increasing number of fintechs, so the demand for Plaid's services are only going to grow. Despite its strong position, it has not been immune to the difficult global economic situtation and was forced to restructure at the end of 2022, laying off some of its workforce. However it is still experiencing growth and is well-positioned to weather the current economic uncertainty.