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About the Role
The Fraud Data team leverages relationships and activity across Plaid’s network to develop machine learning models that help customers detect and prevent fraud while minimizing friction for legitimate users. This research role partners closely with Machine Learning Engineers and Data Scientists to uncover new signals, explore innovative modeling approaches, and translate promising research into production-ready solutions.
Responsibilities
- Research and prototype state-of-the-art approaches across graph machine learning, sequential modeling, and multimodal learning to build next-generation fraud detection capabilities.
- Own and execute a research roadmap that translates innovative ideas and prototypes into production solutions with measurable product and customer impact.
- Publish and share applied research while collaborating with a highly skilled, cross-functional team across Data, Product, and Engineering.
- Leverage Plaid’s network-level financial data to uncover insights and develop solutions that help hundreds of millions of consumers achieve greater financial freedom.
Requirements
- PhD in Machine Learning, Artificial Intelligence, Computer Science, Statistics, Applied Mathematics, or a closely related field strongly preferred. Candidates without a PhD may be considered with equivalent research experience, such as significant publications, patents, or widely adopted research contributions in relevant fields.
- 2–4+ years of relevant industry or research lab experience, ideally post-PhD, with demonstrated research leadership and a track record of translating innovative research into measurable product or business impact.
- Demonstrated scientific rigor, with strong written and verbal communication skills and the ability to clearly communicate complex research findings.
- Strong proficiency in Python and experience building high-quality research prototypes that can inform or transition into production systems.
Skills
- Graph Neural Networks
- Transformer-based foundation models
- Python
Location
- San Francisco
- New York
- Seattle
- Washington D.C.
- Raleigh
- London
- Amsterdam
Work Type
- Full-time
Experience Level
- Senior
Education Level
- PhD preferred
Salary/Compensations
- Additional compensation in the form(s) of equity and/or commission are dependent on the position offered.
- 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.
Benefits
- Medical
- Dental
- Vision
- 401(k)
About the Company
- 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, Seattle, Washington D.C., Raleigh, London, and Amsterdam.
- 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!
Equal Opportunity
- 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.