Software Engineer

About Plaid

Plaid believes 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 mission is to unlock financial freedom for everyone by making money movement and access to financial data simple and secure.

Role Overview: Software Engineer

As a Software Engineer at Plaid, you will design and build the systems that power how millions of people connect to their finances. You will work across the stack, from reliable backend services and APIs to intuitive applications that bring those systems to life. You will collaborate with engineers, product managers, and designers to ship products that make financial services more accessible and transparent. At Plaid, engineers take ownership early, grow quickly, and see their work reach millions of users.

Key Responsibilities

• System Design & Development: Build and maintain scalable, reliable backend or fullstack systems and APIs that power Plaid’s products.
• Collaboration: Work closely with product managers, designers, and other engineers to define and deliver features that solve real customer problems.
• Code Quality: Write clean, efficient, and well-tested code. Participate in reviews to maintain high engineering standards.
• Testing & Debugging: Build automated tests, monitor system performance, and troubleshoot issues in production environments.
• Continuous Improvement: Contribute to technical design discussions, share best practices, and help improve how we build at Plaid.

Qualifications

• 1-4 years of software engineering experience (post-internship)
• Proven ability to ship reliable systems or features at scale
• Strong problem-solving skills. You turn ideas into practical, maintainable solutions.
• High ownership. You are excited to roll up your sleeves and figure things out that don’t have precedent at Plaid.
• Collaborative mindset. You thrive in a fast-paced environment and enjoy working with others to deliver results.
• Growth oriented. You seek feedback, learn quickly, and take pride in improving your craft.

Compensation & Benefits

The target base salary for this position ranges from $148,800/year and $223,200/year in Zone 1 (New York City and San Francisco Bay Area). The target base salary will vary based on the job's location. 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 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 is committed to building a diverse team and encourages all qualified individuals to apply, regardless of whether their experience fully matches the job description.

Key skills/competency

• System Design
• Backend Development
• API Development
• Scalable Systems
• Code Quality
• Automated Testing
• Problem Solving
• Cross-functional Collaboration
• Fullstack Development
• Distributed Systems