Bank Connectivity Engineer

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. Plaid Europe is building Plaid in Europe—the open banking platform that makes international expansion one click away for fintechs who want to scale globally.   We are the only transatlantic open banking provider, uniquely positioned to help fintechs scale globally with a single Plaid integration. Our team localises, scales, and operates the bank connectivity layer that powers payments, underwriting, onboarding, and identity—abstracting fragmented European rails and regulations into a single, reliable platform.   The team owns four core pillars: - Account-to-Account Payments - Cash Flow & Income Insights for Credit - Bank Connectivity Across Europe - Consumer Experience   This team operates at the intersection of distributed systems, financial infrastructure, and consumer UX. We solve hard problems in payments reliability, data quality, regulatory complexity, and cross-market expansion—enabling fintechs to launch in new countries with minimal additional engineering effort.   We are a high-impact, cross-functional engineering team working closely with US platform teams, GTM, compliance, and operations to make Plaid the default open banking layer for global fintechs operating in Europe.   You will serve as the Engineering Lead for Europe, managing a team of 9+ engineers directly while serving as a member of the small leadership team and working closely with your cross-functional peers.   This is more than just a single-team manager role; it’s the senior-most engineering leader in Europe, operating with a high degree of autonomy and acting as a co-owner of Plaid’s European operations. Responsibilities * Lead and grow a team of 9+ engineers, from mid-level to Staff, through clear goals, coaching, and direct feedback, building a strong, accountable team culture. * Set and drive the technical and product direction for Plaid in Europe, partnering closely with Product, Design, and business leaders to decide what we build and why. * Work across teams to shape the roadmap, spot high-leverage opportunities, and make clear tradeoffs between speed, risk, and long-term investments. * Go deep on technical design when needed, unblocking complex problems and maintaining a high bar for quality and reliability in production. * Represent engineering in leadership discussions, helping guide business decisions and align European priorities with broader company strategy. Qualifications * 8+ years of industry experience, that includes time as a Staff-level engineer before transitioning into management. * 2-3+ years of engineering management experience. * Track record of building and growing strong engineering teams through coaching, clear goal-setting, and raising the talent bar. * Experience owning a production product area and partnering closely with Product and business stakeholders to drive outcomes. * Experience designing and evolving scalable, reliable systems that support real-world products at scale. * Strong technical judgment, with the ability to dive deep into architecture and unblock complex cross-team problems. * [Nice to have] Experience operating in fintech, payments, credit, or other regulated domains. * [Nice to have] Experience leading teams in international or multi-region environments. * [Nice to have] Startup experience/founder experience. 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. 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.

About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.  GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!  And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply! PLATFORM ENGINEERING AT GOCARDLESS The Platform Engineering team is a unified, globally distributed team. We are currently located in London, Riga, and Lisbon. We work with all other engineering teams to empower them to build, release, run and scale their products. We operate with a strong focus on both strategic project delivery and operational excellence. OUR WORK IS A BALANCE OF: * Project Delivery: Building new platform components, from initial design to deployment. * Operational Support: Ensuring the health and stability of our systems through on-call rotations and incident management. * Business as Usual (BAU): Continuous maintenance, improvements, and support for audits and compliance. TECH STACK AND TOOLS: * Python, Ruby, Golang; * Terraform; * Atlantis  * AWS, GCP; * Kubernetes, GKE; * Github, GitHub Actions, ArgoCD; * Grafana, Prometheus; * Datadog WHAT EXCITES YOU: We use a wide range of technologies, and will never expect you to have experience with all of them. We do hope that you are enthusiastic about the infrastructure space and the impact your work can have on others. To enjoy this work you’ll be excited by: * Building and maintaining automation of new and existing infrastructure; * Appreciate and believe in building easy-to-understand and maintain tools to solve problems; * Automating operational tasks to eliminate toil using your software development skills and experience; * Ensuring that systems are safe and secure against cybersecurity threats; * Working closely with software engineers and data scientists; * Being involved in the technical design of architecture and making technical decisions; * Cloud-first engineering; * Ongoing opportunities to further develop your skills; * Care about working with people who share the same values as you and who will continually push you to grow. WHAT EXCITES US  * Experience with at least one programming language such as Python, Ruby, Golang etc.; * Experience with IaC tooling, such as Terraform; * Previous experience with Terraform automation toolings such as Terragrunt or Atlantis will be considered an advantage; * Experience with cloud computing providers such as AWS or GCP; * Experience with containerized applications; * Previous experience with container orchestration such as Kubernetes and GKE will be considered an advantage; * Experience with CI/CD tooling such as Github, GitHub Actions, ArgoCD, etc.; * Experience working with monitoring tooling such as Grafana, Prometheus, etc.; * Experience with relational databases and other datastores, especially around high availability and performance optimisation; * Awareness of DevOps and Agile principles; * Fluency in English; * Excellent teamwork and communication skills.   Base salary range: £78,400 - £117,600  Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. (SOME OF) THE GOOD STUFF * Wellbeing - stay healthy with dedicated support and medical cover * Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period * Adaptive Working - allows you to work flexibly, around your lifestyle * Parental leave - to suit everyone embarking on life's great adventure * Learning Budget - lead your own development with an annual learning budget * Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’) LIFE AT GOCARDLESS   We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.  DIVERSITY & INCLUSION As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.