Prepare for and practice interview questions from Plaid.

Plaid Interview Questions

Plaid Interview Guides

Let’s say that your company is running a standard control and variant AB test on a feature to increase conversion rates on the landing page. The PM checks the results and finds a .04 p-value.

How would you assess the validity of the result?

Experiment Validity

You are testing hundreds of hypotheses with many t-tests. What considerations should be made?

What is a key disadvantage of the F-test when compared to multiple t-tests?

What is a key disadvantage of the F-test when compared to multiple t-tests?

Hundreds of Hypotheses

You are testing hundreds of hypotheses with many t-tests. What considerations should be made?

Let’s say we have a table with an <code>id</code> and <code>name</code> fields. The table holds over 100 million rows and we want to sample a random row in the table without throttling the database.

Write a query to randomly sample a row from this table.

Input:

<code>big_table</code> table

<table>
<thead>
<tr>
<th>Columns</th>
<th>Type</th>
</tr>
</thead>

<tbody>
<tr>
<td><code>id</code></td>
<td>INTEGER</td>
</tr>

<tr>
<td><code>name</code></td>
<td>VARCHAR</td>
</tr>
</tbody>
</table>

Write a query to randomly sample a row from a big table.

Random SQL Sample

Plaid Salaries by Position

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. #LI-Hybrid The Payment Risk team is responsible for developing a suite of risk products for Plaid’s customers to manage risk in bank payments. This team delivers sophisticated risk predictions as well as direct signals through public APIs that customers use to understand and manage risk on their payment flows. As a software engineer on the payment risk team, you will work on tooling and infrastructure that facilitates the development of our machine learning based risk models, from data and feature pipelines to model evaluation framework. You will also work on model serving infrastructure to support real time risk assessment based on large amounts of data at low latency. Your work will contribute to the rapid growth of an innovative product. Responsibilities Build products with real impact: your work will touch tens of millions of end-users, the best applications in FinTech, and major financial institutions
Develop tools and infrastructure for quick iteration on machine learning features and models
Passionate about applying Machine Learning to real-world problems, especially financial fraud
Technical leadership in engineering excellence and mentorship
Qualifications 4+ years of software engineering experience
Experience in building production infrastructure for machine learning feature engineering or model training, evaluating, and deploying
End-to-end process ownership and customer obsession
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. Please review our Candidate Privacy Notice here .
#J-18808-Ljbffr

At Plaid, we're convinced that the way people interact with their finances will drastically improve in the coming years. We're dedicated to empowering this transformation by building the tools that thousands of developers use to create their own products. The Security Governance, Risk, and Compliance (GRC) team at Plaid is a cross-functional team responsible for enabling the business by mitigating risks and maintaining controls that ensure trust in the platform. Plaid serves as the gateway for our customers to build, launch, and scale FinTech applications that democratize financial services. In this role, you will be primarily responsible for supporting Plaid's customer oversight risk management activities from security, regulatory, and reputational perspectives. You will work closely with our GTM, Engineering, Legal, and Financial Access teams to ensure trust in the platform and protect the ecosystem. Responsibilities <ul> <ul><li>Engage with customers to gather necessary information to perform security reviews. </li><li>Conduct high quality security and privacy risk assessments of customers within the ecosystem. </li><li>Perform security and privacy assessments of Plaid's vendors and partners. </li><li>Develop and maintain internal frameworks, policies, and procedures to support a rapidly evolving customer oversight risk management function. </li><li>Influence effective risk management strategies and monitor the progress of remediation efforts. </li><li>Confidently represent Plaid's security and privacy risk management practices to external stakeholders. </li><li>Prepare and present reports on the security posture of onboarded customers to senior management and stakeholders. </li></ul> </ul>Requirements <ul> <ul><li>Working knowledge of common security assurance and trust frameworks such as SOC 2, NIST CSF, ISO 27001, GLBA Safeguards, ISO 27701, and others. </li><li>Prior experience working in GRC roles at an engineering-led SaaS, FinTech, or Cloud company. </li><li>Experience performing security audits or gap assessments. </li><li>Good understanding of common security risks and control domains that make up information security programs. </li><li>Exceptional attention to detail, an eye for operational excellence, and the capacity to execute and iteratively improve operational processes. </li><li>The ability to clearly articulate ideas, work effectively, and strategically collaborate cross-functionally with internal stakeholders. </li></ul> </ul>What Excites You <ul> <ul><li>Having a significant impact on Plaid's ecosystem and the overall future of financial services. </li><li>Being part of a highly evolving and rapidly growing Security GRC team. </li><li>Being a trusted partner for cross-functional teams on all matters related to security, privacy, assurance, and compliance. </li><li>The opportunity to learn and grow as a security and privacy professional as part of a high-growth, industry-disruptive company. </li></ul> </ul> $99,360 - $125,280 a year Target base salary for this role is between $99,360 and $125,280 per year. 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 (but not limited to) 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.

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. #LI-Hybrid [Current] We believe the next evolution of Credit products at Plaid is to drive deeper into insights and make our products easier to use. By investing in insights, we can help our customers better evaluate raw data to provide a more complete and equitable view of an end user's financial health. The Assets Team is responsible for building on top of the Credit organization's technical foundations to (1) ship insights driven products which address needs in the lending lifecycle and (2) reduce the time it takes for customers to get value from Plaid suite of Credit products. This team works closely with product and legal to think through product requirements and compliance constraints, translating those inputs into insights driven products. [Future] Our north star is to have the Plaid Credit suite become the default analytics suite for risk assessment in the credit ecosystem. To achieve this, there are a number of opportunities on our mid-term horizon to expand the ways clients leverage Plaid Credit products. These projects include execution on the next evolution of an insights driven asset report product, architecting monitoring solutions to capture more of the lender lifecycle, and building out partnerships to better distribute Plaid credit products. This team also plans to capture this value in a credit dashboard to make our Credit suite of products easier to integrate with and use - delivering more value, faster. You will be responsible for working full-stack to plan, design, and build the next generation of Credit products. You'll work closely with cross-functional partners from Product, Compliance, and Design to deliver new solutions for our Clients. You'll have opportunities to learn new technologies and languages, and to grow as a project owner as we explore ambiguous problem spaces. Responsibilities <ul><ul><li>You will work closely with a highly iterative, cross-functional team to understand product requirements and legal constraints to build next-generation Credit products. </li><li>You will deeply understand client needs and architect solutions tailored to their use cases.</li><li>You will partner with other teams within the Credit group, working closely with other engineering teams as well as Design, Data Science, and more to iterate on and productionize new products.</li><li>You will have the opportunity to architect efficient, scalable services paired with well-designed UI as we work closely with our clients.</li><li>You will own and lead projects, step up as a trusted member of the team's oncall rotation, advocate for technical and process changes, and follow best practices to increase overall system reliability.</li></ul></ul> Qualifications <ul><ul><li>Excellent coding and testing skills</li><li>Experience working in large scale backend systems</li><li>Experience as a project lead, or desire to quickly take on that responsibility</li><li>[Very-nice-to-have] strong communication skills</li><li>[Nice-to-have] Experience with Python, Golang, SQL, and/or AWS</li></ul></ul> $143,640 - $197,640 a year Target base salary for this role is between $143,640 and $197,640 per year. 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 (but not limited to) 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. 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. Please review our Candidate Privacy Notice here.

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. #LI-Hybrid The Investments team gives users tools to manage their investments in securities and cryptocurrency to optimize their financial wellness. We own the Plaid investments product end to end from the frontend user experience to the back end bank data integrations. Our B2B customers include some of the biggest Personal Finance Management and Wealth Advising application users. You will build industry bar-setting new products for users to understand and control their investments. Your work will be a key unlock to land and retain Plaids customers in Personal Finance Management and Wealth Advising from our largest enterprise clients to the newest disruptive startups. Responsibilities <ul><ul><li>Build new Investments products from the ground up, creating new capabilities for Plaid and for the fintech industry as a whole.</li><li>Work hand-in-hand with product and design to define what our products are and how they work.</li><li>Create well-crafted, maintainable code while striving for clarity and simplicity.</li><li>Design new systems inside our architectural ecosystem with mentorship from experienced Plaids.</li><li>Get to know our customers face to face and deeply understand their problems.</li><li>Own ambiguous problems and bring your creativity and grit to bear on problem solving.</li></ul></ul> Qualifications <ul><ul><li>At least one year professional software engineering experience. Experience writing high quality, maintainable code.</li><li>High ownership. You are excited to roll up your sleeves and figure things out that don't have precedent at Plaid.</li><li>Customer empathy. You want to be face to face with customers to understand their needs and design Investments products together.</li><li>[Nice to have] Personal or professional experience working with investments data. </li></ul></ul> $143,640 - $197,640 a year Target base Salary for this role is $143,640 - $197,640 per year. 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 (but not limited to) 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. 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. Please review our Candidate Privacy Notice here.

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. #LI-Remote The US payments landscape is currently undergoing a transformative shift; more merchants are looking to enable a "pay-by-bank" checkout experience as more consumers are opting to use their bank accounts to directly pay for goods or services. As a leader in open banking solutions, Plaid's Payments Product team is at the forefront of this evolution. By leveraging our vast consumer-permissioned financial data network, we have successfully launched a market-leading "pay-by-bank" product that utilizes bank payment rails such as ACH, RTP, and FedNow to power some of the most renowned fintech companies and help process billions of dollars in ACH transactions each month. We are looking for an experienced product manager to join our dynamic team as the Product Manager for Payment Risk. In this role, you will shape the strategic direction of our pay-bay-bank offerings by developing of an innovative 0-to-1 payment risk solution that enables a more instant ACH payment and settlement experience for both consumers and merchants. You will help transform our existing products into a state-of-the-art system that not only minimizes risk but also optimizes payment experiences. Responsibilities <ul> <ul><li>Help define the roadmap and influence the strategic direction of our payment products </li><li>Drive multiple workstreams across the organization, simultaneously </li><li>Work directly with customers to identify their product needs and priorities </li><li>Define critical product features and execute the build plan with full-stack and machine-learning engineers </li><li>Build a risk framework with data scientists and the ACH operations team to minimize losses for both customers and Plaid </li><li>Devise pricing and sales strategies with GTM and partnership teams </li><li>Closely collaborate with other product teams to seamlessly integrate payment UX and money movement components </li><li>Partner with the customer engineering team to enhance post-integration customer engagement and constantly optimize for customer support scaling </li> </ul></ul>Qualifications <ul> <ul><li>5+ years in product management. You have a proven track record of developing multi-quarter roadmaps, driving outcomes and successfully launching products from the ground up (0-to-1). </li><li>4+ years in core payments. You have direct experience with at least one major U.S. payment rail (credit/debit card processing, ACH, other push/pull payment instruments), a deep understanding of the payments ecosystem (merchants, networks, processors, banks) and strong money movement fundamentals (authorization, settlement, dispute handling, chargebacks/returns, and refunds). </li><li>Deep knowledge in payment risk management. You have managed payment risk functions or teams within environments such as Payment Service Providers (PSPs), Originating Depository Financial Institutions (ODFIs), card acquirers/issuers, or a payment organization in general. You have a close familiarity with payment authorization/funding process, loss exposure control, loss reserve planning, and related payment pricing strategies. </li><li>Customer & revenue focused. You are comfortable and enthusiastic about interacting with customers, understanding their needs and priorities, and translating these insights into impactful product features that drive revenue. </li><li>High initiative and get things done. You are self-motivated with a strong bias for action. You are capable of moving quickly to achieve outcomes. You have a high slope for learning and can jump into new domains/problems and make an impact quickly. </li><li>[Nice to have] Hands-on experience building "faster" ACH products (2-day payroll, "instant" ACH settlement, or ACH/Card/RTP/OCT payment rail optimization). </li><li>[Nice to have] Hands-on experience building enterprise or developer focused API products. </li><li>[Nice to have] Previous startup experience. You have experience working in a dynamic/high growth environment. </li></ul> </ul> $162,000 - $243,000 a year Target base salary for this role is between $162,000 and $243,000 per year. 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 (but not limited to) 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. 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 [redacted]. Please review our Candidate Privacy Notice here.

We believe the way consumers and businesses interact with their finances will drastically improve in the next few years. Our goal is to build the tools and infrastructure for developers to create this next generation of financial services applications. Today, thousands of companies such as Chime, Robinhood and Venmo rely on Plaid to integrate with banks and the financial system. Plaid's infrastructure handles millions of requests per day and thousands of bank integrations. We pride ourselves on maintaining robust APIs to support the developers who depend on us and the millions of consumers who use their apps. Plaid's Machine Learning team is building models, services and platforms that improve how millions of users understand and grow their financial lives. We are looking for a senior manager with experience applying state-of-the-art machine learning and data science techniques in the credit domain. We value not only technical know-how, but also creativity, user empathy, and teamwork. You'll be an Engineering Manager under the central Machine Learning team but embedded on the Credit product, leading a talented group of data scientists and machine learning engineers to build B2B credit insights products used by lenders to conduct credit risk assessment. In this role, you will drive initiatives to broaden, make more inclusive, and make more affordable access to credit for individuals. You will be instrumental in leading the team to build new, zero-to-one products and delivering top-tier risk assessment and lending insights solutions for both lenders and consumers. If you're interested in lending, credit, underwriting and building models to predict behavior, let's chat! Responsibilities <ul> <ul><li>Lead and inspire a talented team, driving the delivery of innovative credit insights solutions that directly impact customers. </li><li>Oversee the development and deployment of advanced machine learning models to enhance the accuracy and fairness of credit assessments, supporting the launch of new products. </li><li>Play a crucial role in defining and executing the credit team's strategic initiatives. </li><li>Utilize billions of transaction features to help loan applicants access capital and improve consumers' financial account safety and security. </li><li>Champion a data-first approach to decision-making across the organization. </li><li>Make long-term decisions on machine learning and data science iteration processes. </li><li>Partner with product managers, GTM, and other stakeholders to shape the product roadmap and project goals. </li><li>Directly contribute to the company's success and customer satisfaction. </li><li>Enjoy a hybrid work model that supports work-life balance and flexibility. </li></ul> </ul>Qualifications <ul> <ul><li>10+ years of industry experience developing machine learning models from inception to business impact. Proven ability to tailor your solutions to business problems in a cross functional team </li><li>5+ years of experience in DS/ML managerial role. </li> <li>Experience with credit and lending risk assessment. </li><li>Deep understanding of modern machine learning techniques and their mathematical models, such as classification, clustering, optimization, deep neural network and natural language processing. </li><li>Strong product intuition and excitement to work fast and iteratively. </li></ul> </ul> $251,640 - $360,000 a year Target base Salary for this role is $251,640 - $360,000 per year. 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 (but not limited to) 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.

The Network Enablement team is developing an end-to-end consent and privacy management system along with diverse data insight products for consumers, customers, and financial data partners, fostering a user-friendly and compliant open finance experience while enhancing Plaid's network value. We are looking for a team member to design, build, and scale up the Open Finance products. In addition, this person will also be expected to set the technical direction for the team to solidify Plaid's leading position in CFPB 1033 compliance and increase our network value. Additionally this team member will provide feedback on technical designs, product requirements, and conduct code reviews. You will also mentor/help grow engineers on the team and partner with the Engineering Manager on planning and goal-settings. Responsibilities <ul><ul><li>Developing solutions that make a difference for consumers, fintechs, and financial institutions.</li><li>Collaborating with cross functional stakeholders.</li><li>Working on both the 0 to 1 stage and the 1 to 10 stage of problems.</li><li>Having an industry impact with the system you designed and implemented. </li></ul></ul> Qualifications <ul><ul><li>Product sense and understanding of customer needs.</li><li>Passion for both prototyping early-stage products and scaling them up with robust platform solutions. </li><li>Ability to be hands-on by contributing to system architecture and through individual code contributions.</li><li>A successful record of mentoring junior engineers and help them grow. </li><li>Experience of building data-intensive products, involving offline ETL, online serving, and public facing APIs. </li><li>Experience of implementing modern risk/compliance/privacy management systems. </li></ul></ul> $182,520 - $297,000 a year Target base salary for this role is between $182,520 and $297,000 per year. 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 (but not limited to) 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.

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Plaid Interview Questions

Plaid Salaries by Position

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