Staff Product Manager, Risk Modeling

Plaid

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. Team: We protect the integrity of Plaid's network and authentication surfaces. We keep bad actors, synthetic and stolen identities, and low-quality data-partner traffic off the platform so that the millions of connections Plaid powers stay trustworthy. We build Plaid's internal risk platform: detection, scoring, and real-time decisioning and we're the foundation every other Plaid product depends on Role: You own Plaid's internal network-health and risk platform — how we detect, score, and act on risky traffic across our 10,000+ data-partner integrations. You set the roadmap, define the block/step-up/allow decisioning framework, and partner directly with the Data Science and MLE and operations team to sharpen detection precision. This is a platform PM role: your customer is the network itself, and your output is a measurably safer, higher-quality data supply. Responsibilities: * Define and prioritize the DS/MLE roadmap for network-health detection — articulate model investment needs, own precision/recall tradeoff decisions, and translate model outputs into real-time product actions. * Build and own the data-driven framework for real-time block-vs-allow decisions, balancing network quality against customer and commercial impact. * Aggregate requirements across risk engineering, fraud & abuse operations, and data partners into a single prioritized roadmap. * Define how to measure Network Health * You define and own the team’s OKRs (risky-traffic detection/step-up; ATO reduction, Authentication correctness). * Define and recommend Plaid’s risk-versus-conversion posture, partnering with company leadership to set clear, data-backed thresholds for when to allow, step up, or block traffic. * Get hands-on with data: run light investigations yourself, pull signals, and ground product decisions in evidence — this PM doesn't wait for an analyst to tell them what's happening. * Span multiple risk problem categories simultaneously: data-partner supply risk, authentication risk/correctness, and AQO — owning one coherent roadmap across all three. Qualifications: * 6+ years in product management, ideally on internal risk, trust & safety, fraud, or identity platforms. * Hands-on technical depth: detection signals, precision/recall tradeoffs, light data analysis/investigation. * Experience building ML based products / insights * Proven partnership with Data Science / MLE teams on risk models. * Experience with risk decisioning, KYC, synthetic/stolen-identity detection, or ATO. * Clear product requirements; strong cross-functional alignment. * [nice to have] Experience in a sophisticated internal risk org at a large fintech/bank/marketplace. * [nice to have] Former risk analyst / DS / investigator who moved into PM; familiarity with bank data / open finance. 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. Please review our Candidate Privacy Notice here. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

Plaid

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. Plaid’s Product team builds the network that powers the future of financial services. Our mission is to unlock financial freedom for everyone through open finance. Product Managers at Plaid are curious, customer-obsessed, and move quickly to deliver value. They take ownership, sweat the details, and make sound decisions with imperfect information.   As a Product Manager on the AI Foundations team, you will drive Plaid’s AI strategy by building the data and intelligence layer that powers smarter financial experiences. You will work across engineering, data science, and research to develop scalable AI systems—from core embeddings and representation learning to applied model integrations that enhance developer and consumer outcomes.   This role is for an experienced PM who thrives at the intersection of AI and platform products. You are technically fluent, strategic, and execution-oriented. You enjoy turning advanced machine-learning capabilities into reliable, trusted infrastructure that scales across Plaid’s ecosystem. Responsibilities * AI Platform Vision: Define the strategy, roadmap, and success metrics for Plaid’s core AI and data foundation, enabling smarter, more adaptive financial products across the ecosystem. * System Development: Partner with Engineering and Data Science to design scalable AI systems, from model training and evaluation pipelines to APIs that deliver intelligence at scale. * Product Execution: Drive initiatives from concept to production, balancing rapid experimentation with reliability, transparency, and responsible AI practices. * Cross-Functional Collaboration: Work closely with research, platform, and product teams to embed AI capabilities across Plaid’s products and developer platform. * Measurement and Iteration: Use metrics, model performance data, and customer feedback to validate impact, inform prioritization, and continuously improve outcomes. * Communication and Alignment: Translate complex AI concepts into clear narratives and tradeoffs for technical and non-technical stakeholders, building shared understanding across teams. Qualifications * 8+ years of product management experience with direct experience leading AI/ML or applied intelligence products from concept to production with measurable impact. * Deep technical fluency in how modern ML systems are trained, evaluated, deployed, and monitored, with the ability to engage confidently with engineers and data scientists. * Strategic and executional range. Skilled at defining long-term AI vision while delivering near-term experiments, prototypes, and launches. * Platform mindset and experience building scalable developer or data platforms through well-designed primitives, APIs, and frameworks. * Strong communicator and influencer who can translate complex AI concepts into clear narratives and decisions for technical and non-technical audiences. * Commitment to responsible AI and transparency, especially in regulated or high-trust domains. * [Nice to Have] Hands-on experience with LLMs, embeddings, or agentic systems in production. * [Nice to Have] Familiarity with applied AI in regulated or high-trust domains such as fintech, identity, or risk. 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. Please review our Candidate Privacy Notice here. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

Plaid

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. AI and intelligent systems are driving the fifth paradigm shift, following previous technological revolutions like mainframes, personal computers, the internet, and mobile devices. We believe, in the foreseeable future, AI will revolutionize the FinTech industry - from how consumers understand and manage their finances, to how developers build applications and how all companies operate. The fintech industry landscape will undergo a fundamental reshape.    Plaid in the FinTech AI Ecosystem Plaid is uniquely positioned to become the financial data and insights backbone for AI applications and platforms in this evolving ecosystem.    We believe consumers should be able to understand and manage their financial life through conversational AI interfaces using natural language. We believe consumers should have peace of mind with a trustworthy consent and authorization manager when agents shop for them. We believe identity verification and financial fraud prevention in AI-powered products should feel seamless and embedded for the end users. The list goes on. The most important AI companies, major fintechs, and customer agent platforms are actively trying to integrate Plaid into AI-powered products and solutions they build.    Plaid’s AI-powered Experiences for Customers The explosive growth in model intelligence and increasing relevance for enterprise tasks offer a unique opportunity for Plaid to rethink from the ground up how we operate and interact with our customers for the most optimal experience.    Our early experiments in building AI agents for customer experience are paying off with huge business value. For example, our homegrown AI-powered customer support agents resolve a significant proportion of customer questions and issues within seconds, which would otherwise have required humans hours to work on.  This is just the beginning and there is so much more we could do.   The AI Applications Team You will have the opportunity to join as one of the founding members of this newly formed team that is dedicated to consolidating and rapidly scaling our successful bets so far, and grow with the team in our quest to accelerate Plaid’s transformation into an AI-first company.   In this role you will lead projects that enable and scale our business with our largest AI customers and partners, starting with personal finance use cases and expanding into many others; examples include: * Develop and evolve the preferred integration pattern for Plaid with AI providers - from API adaptations to building the official Plaid MCP Servers, and beyond * Redefine how Plaid’s consumer link experience embed into conversational interfaces in the most seamless way * Architect the trust layer for the future of agentic commerce that will become the industry standard Additionally you will be expected to scale and extend our existing successful bets on AI-powered customer experience; examples include: * Make the next step-function improvement in our homegrown customer support agent - land our multi-turn and multi-agent system that powers a truly delightful experience for our customers; define how to scalably run offline evaluation for complex multi-turn open-ended tasks; research and prototype how Human-In-The-Loop - Reinforcement Learning (RLHF) can power an insights flywheel; pioneer the architecture for customer-specific long-term memory, etc. * Extend our agentic system to support other critical parts of the customer journey, starting with areas with the highest ROI - top-of-funnel product recommendation, customer onboarding and risk diligence, customer activation and assistance for faster productionization, as well as upselling and cross-selling of Plaid products   You will have a front row seat to all the latest industry developments. Over time, with the skills and experience you develop and hone on this team, you can become an influential voice in defining where AI <> Fintech will be heading longer term. Responsibilities * Design, develop, and maintain scalable backend services and APIs, as well as intuitive, high-quality frontend applications that bring those systems to life. * Work with other AI engineers, software engineers and machine learning engineers to architect, design and implement GenAI-powered products and features * Collaborate across functions to understand user needs, propose and implement AI-powered solutions where they’re expected to have the highest impact * Design and execute rapid experiments to push the boundaries on potential business impact from emerging AI capabilities, with a focus on minimal viable testing approaches * Balance creative exploration of possibilities with rigorous evaluation of technical feasibility, product potential and business impact Requirements * Experience building backend services and working with microservices or service-oriented architectures * Hands-on experience working with LLMs to build products and shipping them to product with iterating with real user feedback - including but not limited to: * Prompt engineering * Fine-tuning * Retrieval augmented generation (RAG) * Semantic search - vector database and embedding models * Agent orchestration framework * Evaluation and monitoring framework of open-ended tasks * Streaming and SSE * Common UX and design patterns for GenAI-powered products * Strong debugging and monitoring experience for production systems * Ability to deeply understand customer and user needs through user research and rapid experimentation - be your own technical PM * Ability to balance divergent thinking (exploring possibilities) with convergent thinking (evaluating feasibility), which is critical for driving 0 ->1 projects * Extremely curious and passionate about working in GenAI applications space Nice-to-Haves * Experience training and/or serving ML models in production, or fine-tuning LLMs for domain-specific use cases * Comfortable operating in privacy/PII-sensitive environments and applying compliance mitigations * Working knowledge of HTML, CSS, JavaScript, and modern frontend frameworks or libraries, with comfort building user-facing experiences 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. Please review our Candidate Privacy Notice here. Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.