Software Engineer (Fullstack) - Payments
Job Summary
Job Description
Plaid is looking for a Fullstack Software Engineer specializing in Payments to join their Money Movement and Partnerships team. This role involves end-to-end development of the Transfer product, Plaid's money movement solution for bank payments across the US. The team is responsible for bank integrations, payment lifecycle, reconciliation, and customer-facing components, focusing on scale and innovation in bank payments. The engineer will work full-stack to plan, design, and build next-generation Payment products, collaborating with Product, Legal, and Design teams. Responsibilities include designing and developing both frontend and backend components, with a majority focus on backend (70-80%) building APIs and services for scalability, security, and performance. The frontend focus (20-30%) involves building user experiences with modern JavaScript frameworks. The role emphasizes ownership, code quality, and effective testing and debugging.
Must have:
- 2+ years of full-stack development experience
- Experience with Python, Java, Go, or Node.js
- Knowledge of HTML, CSS, Javascript, and modern frameworks
- Experience with MySQL or other relational databases
- Experience with microservices
- Experience with API design
- Excellent coding and testing skills
- High ownership and customer empathy
Good to have:
- Experience working with payments
10 skills required
Job Details
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.
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.
The Money Movement and Partnerships team within Payments is responsible for the end to end development of the Transfer product, Plaid’s bank money movement solution that spans across all major existing bank payment rails in the US. The team owns the full stack of this product, including bank integrations, payment lifecycle and reconciliation, and customer-facing APIs and dashboard components. Transfer is a critical component of many companies’ payment systems, and the team is now focusing on building for scale and continuing to innovate on the cutting edge of bank payments. Additionally, the team is responsible for our network of over 50 payment partners that are powering payments across the fintech ecosystem.
You will be responsible for working full-stack to plan, design, and build the next generation of Payment products. You’ll work closely with cross-functional partners from Product, Legal, and Design to deliver new solutions for our clients. You’ll have opportunities to learn new technologies and languages, and to be a project owner as we explore ambiguous problem spaces. Payments is a critical part of any business, and you’ll learn in depth about how it works.
Responsibilities:
- Design & Development: Design, develop and maintain both frontend and backend components
- Majority Backend Focus (70-80%): Develop APIs and services, focusing on scalability, security and performance.
- Frontend Focus (20-30%): Build delightful experiences using modern JavaScript frameworks and libraries.
- Collaboration: Work closely with product managers, product designers and other stakeholders to define and implement new features that meet product and customer needs.
- Ownership: At Plaid, you’re responsible for the quality and success of the components you build, so you’ll be expected to drive projects to successful outcomes rather than just code complete.
- Code Quality: Write clean, maintainable and efficient code.
- Testing & Debugging: Develop automated tests to ensure the quality and reliability of the codebase. Troubleshoot and resolve issues.
Qualifications:
- 2+ years of experience in full-stack development.
- Working knowledge of one or more programming languages such as Python, Java, Go, or Node.js
- Working knowledge of HTML, CSS, Javascript and modern frameworks and libraries.
- Experience MySQL or other relational databases.
- Experience working with microservicesExperience with API design.
- Excellent coding and testing skills.
- High ownership. You are excited to roll up your sleeves and figure things out that don’t have precedent at Plaid.
- Customer empathy. You want to be face to face with customers to understand their needs and design Investments products together.
- [Nice-to-have] Experience working with payments.
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.
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