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# Senior Machine Learning Engineer (Research Scientist) - Fraud

- **Company:** Plaid Inc.
- **Location:** San Francisco, CA, United States
- **Experience:** Expert
- **Salary:** $228,960
- **Contract:** Permanent contract
- **Skills:** Artificial Intelligence, Fraud Prevention and Detection, Python (Programming Language), Machine Learning, Multimodal Learning, Information Technology
- **Published:** November 6, 2026
- **Apply:** https://www.juju.com/job/7_05C078D28EE758FB3E1814813DCB14FE

## About the Role

Mathematics, or a closely related field strongly preferred.
Candidates without a PhD may be considered with equivalent research experience, such as significant publications, patents, or widely adopted research contributions in relevant fields, 2-4+ years of relevant industry or research lab experience, ideally post-PhD, with demonstrated research leadership and a track record of translating innovative research into measurable product or business impact.Demonstrated scientific rigor, with strong written and verbal communication skills and the ability to clearly communicate complex research findings.Strong proficiency in Python and experience building high-quality research prototypes that can inform or transition into production systems.Nice-to-Have:Experience in fraud detection, security, risk, or abuse prevention.Experience with large-scale training, graph systems, and sequential modeling.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.

## Description

In close partnership with Machine Learning Engineers, you'll translate promising research into production-ready solutions and communicate your findings internally and externally to advance the technical bar for fraud machine learning at Plaid.Responsibilities: Research and prototype state-of-the-art approaches across graph machine learning, sequential modeling, and multimodal learning to build next-generation fraud detection capabilities.Own and execute a research roadmap that translates innovative ideas and prototypes into production solutions with measurable product and customer impact.Publish and share applied research while collaborating with a highly skilled, cross-functional team across Data, Product, and Engineering.Leverage Plaid's network-level financial data to uncover insights and develop solutions that help hundreds of millions of consumers achieve greater financial freedom.Qualifications, PhD in Machine Learning, Artificial Intelligence, Computer Science, Statistics, Applied