Payment Risk Strategy Lead

Plaid; San Francisco (CA); On-site; USD 140,000 - 210,000; Full time

Benefits offered by this job

Equity

Commission

Job summary

Plaid is seeking a Payment Risk Consulting Lead for Signal and Guarantee in San Francisco. You will interpret model outputs, diagnose performance, and translate findings into concrete threshold and rules recommendations for customers.

You will own proofs of concept and retros, improve integrations, and help scale process and product capabilities by sharing insights with AEs, TAMs, and clients. 5–10 years of experience required.

Qualifications

• 5–10 years of experience in payments risk or related fields.
• Ability to pull and analyze data using SQL or similar.
• Experience interpreting risk, decisioning, or other quantitative model outputs.
• Experience diagnosing performance issues and making data-backed threshold or rules recommendations.
• Strong consulting and communication skills with customers.
• Experience collaborating across go-to-market and technical teams.
• Nice to have experience at a fraud or risk-scoring vendor, bank, or processor risk team.
• Nice to have familiarity with cash flow or bank transaction data.
• Nice to have: familiarity with cash flow or bank transaction data.

Responsibilities

• Own customer proofs of concept and retros from analysis through recommendations and follow-through.
• Proactively optimize Signal customers, prioritizing accounts with high return rates.
• Read model outputs and diagnose the drivers of authorization and return-rate performance.
• Recommend threshold and rules changes that align with each customer's risk and authorization goals.
• Help Guarantee customers tune thresholds to achieve target authorization rates while protecting loss performance.
• Partner with AEs and TAMs to bring deep product and modeling expertise into customer engagements.
• Improve decision and return reporting from customers to strengthen their experience and Plaid's models.
• Turn recurring customer insights into onboarding playbooks and product requirements.

Skills

SQL

Data interpretation

Risk modeling

Customer facing

Cross-functional collaboration

Process improvement

Fraud/risk domain (Nice to have)

Cash flow data familiarity

Job description

Plaid is seeking a Payment Risk Consulting Lead for Signal and Guarantee in San Francisco. You will interpret model outputs, diagnose performance, and translate findings into concrete threshold and rules recommendations for customers.

You will own proofs of concept and retros, improve integrations, and help scale process and product capabilities by sharing insights with AEs, TAMs, and clients. 5–10 years of experience required.