Hybrid Staff Software Engineer – Payments Transfer

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About the role

  • Staff Software Engineer designing payment transfer systems for Plaid. Leading technical initiatives on a multi-rail payment platform for bank transactions.

Responsibilities

  • 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

Benefits

  • Comprehensive benefit plan including medical, dental, vision, and 401(k)

Job title

Staff Software Engineer – Payments Transfer

Job type

Experience level

Lead

Salary

$202,800 - $330,000 per year

Degree requirement

Bachelor's Degree

Tech skills

Location requirements

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