Software Engineer, Banking

About the role

The Payments and Banking team builds the foundational backend systems that power every dollar flowing through Ramp. We're a platform-first team obsessed with correctness, reliability, and scale — providing the rock-solid financial infrastructure that enables Ramp's explosive growth.

Responsibilities

• Design and build large-scale backend systems for money movement with strict correctness requirements
• Arcitect clean, extensible abstractions for complex payments infrastructure — making it easier for other teams to interface with financial rails
• Build systems that handle both traditional banking and emerging crypto payment rails
• Interface with diverse third-party banking and payments partners to accelerate feature delivery
• Own problems end to end — from technical architecture to production reliability to partner integrations
• Bring deep attention to detail to financial systems where doing things right matters more than moving fast

Requirements

• 5+ years of backend or platform engineering experience, ideally in high-scale production environments
• Strong systems design skills — you can take ambiguous requirements and architect reliable, maintainable solutions
• Comfort with distributed systems, performance optimization, and production reliability
• Experience thriving in fast-moving environments with high ambiguity and independent problem-solving
• A builder mentality — you own outcomes, not just tickets

Qualifications

• Nice to have: experience in fintech, payments, or banking (ACH, card rails, crypto, ledgers)
• Familiarity with financial concepts: billing, reconciliation, ledgering, banking flows
• Experience integrating with third-party financial APIs or banking partners
• Background working closely with enterprise customers or navigating treasury management systems

Skills

• Experience in high-scale production environments
• Strong systems design skills
• Experience with distributed systems, performance optimization, and production reliability
• Builder mentality
• Experience integrating with third-party financial APIs or banking partners
• Experience working with enterprise customers or treasury management systems

Benefits

• Flexible PTO
• Unlimited AI token usage
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend
• In-office perks: lunch, snacks, drinks, and more
• United States: 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
• One Medical annual membership
• 401(k), including employer match on contributions made while employed by Ramp
• Pet insurance
• Relocation support to NYC or SF (as needed)
• Canada: Group medical, dental, and vision coverage through Sun Life
• Life, AD&D, and disability coverage
• Fertility HRA (up to $10,000 per year)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
• United Kingdom: Private medical insurance through Freedom Elite
• eMed x Livi Virtual GP and at-home care
• Workplace pension through Penfold, with salary sacrifice option
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay