Payment Risk Strategist

What you'll do

• Interpret model outputs to diagnose drivers of authorization and return-rate performance.
• Recommend specific threshold and rules changes to align with customer risk and authorization goals.
• Manage customer proofs of concept from initial analysis through final recommendations and follow-through.
• Proactively optimize Signal customers by prioritizing accounts with high return rates.
• Tune Guarantee thresholds to achieve target authorization rates while protecting loss performance.
• Translate recurring customer insights into onboarding playbooks and product requirements.
• Improve decision and return reporting to enhance the customer experience and Plaid's models.

What we're looking for

• 5–10 years of experience.
• Ability to pull and cut data using 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.
• Experience at a fraud/risk vendor, credit bureau, or bank risk team; familiarity with cash flow or bank transaction data (preferred).