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Payment Risk Strategist

Plaid· Product
Apply on company site
San Francisco, CA$162k - $223.2kFull-timePosted 4w ago

About the role

Technical, customer-facing role within Plaid's Payments Risk team, responsible for interpreting model outputs, diagnosing performance, and turning analysis into threshold and rules recommendations to optimize authorization and reduce returns.

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.

Qualifications

  • 5–10 years of experience
  • Comfortable pulling and cutting your own data (SQL)
  • Experience interpreting risk, decisioning, or other quantitative model outputs.
  • Experience diagnosing performance problems and making data-backed threshold or rules recommendations.
  • Strong customer-facing consulting and communication skills.
  • Experience partnering across go-to-market and technical teams.
  • Demonstrated ability to build repeatable processes in an ambiguous environment.
  • Nice to have: Experience at a fraud or risk-scoring vendor, credit bureau, or bank / processor risk team.
  • Nice to have: Familiarity with cash flow or bank transaction data.

Skills

Required:SQLRisk/Decisioning InterpretationThresholds and Rules OptimizationCustomer-facing Consulting

Benefits

  • medical
  • dental
  • vision
  • 401(k)
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Plaid

Enabling all companies to build fintech solutions

Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect their financial data to apps and services.

fintechbankingpaymentsfraudcreditopen financefinancial data
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