Senior Software Engineer, Payments

About the role

The Senior Software Engineer at Ripple is responsible for developing enterprise-level payment applications that enable FinTech and banks to settle cross-border payments instantly, securely, and efficiently. They also serve as a technical guide, collaborating with a team of engineers to prototype and implement new solutions for sophisticated software problems, providing invaluable insights and mentorship.

Responsibilities

• Deep understanding of distributed systems architectures, trade-offs, and challenges as they relate to payment transactions.
• Experience building highly scalable and performant enterprise software.
• Excellent proven understanding of Java and its ecosystem (i.e. threading, concurrency).
• Eagerness to work openly and collaboratively with a diverse team.
• A positive demeanor and a passion for sharing knowledge - the go-to person on the team for small and large questions.
• Ability to encourage engineering standard processes in a team and the larger department.

Requirements

• 5+ years experience in Software Engineering, with a deep focus on backend systems.
• Deep, hands-on backend engineering experience building and operating modern, cloud-native, and highly-available distributed systems.
• Proven track record designing and delivering complex features within large-scale systems in complex, regulated environments.
• Strong skills in API design and integration (e.g., REST and/or gRPC), with a focus on defining clear, reusable service contracts.
• Experience with cloud platforms (AWS preferred) and container orchestration (Kubernetes, ECS).
• Ability to tactically navigate and reduce technical debt while driving significant business value and managing feature-level migration efforts.
• Strong technical ownership skills: demonstrated ability to own the technical delivery for complex features and influence local, cross-team decisions.

Qualifications

• Preferred (But Not Required): Experience with our current stack: Java + Spring Boot. We welcome candidates from other robust backend stacks (Go, Kotlin, C#, Python, Rust, etc.) who can quickly learn JVM technologies.
• Experience with event-driven architecture (Kafka, SNS/SQS, etc.), essential for building a decoupled and resilient platform.

Skills

• Java
• Spring Boot
• REST and/or gRPC
• Kubernetes
• Event-driven architecture (Kafka, SNS/SQS)

Benefits

Competitive salary, bonuses, and equity
Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
Employee giving match
Mobile phone stipend
Take Care of Yourself
R&R days so you can rest and recharge
Generous wellness reimbursement and weekly onsite & virtual programming
Generous vacation policy - work with your manager to take time off when you need it
Industry-leading parental leave policies. Family planning benefits
Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

Pay

CA Annual Base Salary Range: $172,000 USD - $215,000 USD

Schedule

Flexible work schedule with R&R days and bi-weekly all-company meetings.