Software Engineer, Fraud & Identity

About the role

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.

What You’ll Do

• Build and evolve backend services that detect and prevent fraud across multiple surfaces, including account access and money movement.
• Develop enforcement and response tooling that enables fast, safe actions such as identity locks, business locks, payment freezes, and other containment levers.
• Improve protections against account takeover (ATO), including risk-based step-ups, monitoring, and targeted friction controls (for example “under attack” style controls and MFA surge detection/alerting).
• Design and operate high-signal systems with strong observability: metrics, dashboards, alerting, and playbooks for incidents and fraud campaigns.
• Partner with UIM/Identity stakeholders to strengthen authentication and identity foundations (roles, permissions, identity state, and related platform primitives).
• Drive end-to-end delivery: technical design, implementation, rollout strategy, and iteration based on outcome metrics.

What You’ll Need

• 3+ years of software engineering experience (or equivalent).
• Strong backend engineering fundamentals (APIs, distributed systems, data modeling, reliability).
• Experience building data-informed detection or decisioning systems (rules engines, scoring, anomaly detection, or similar), or strong interest in learning in this domain.
• Proven ability to operate production systems: debugging, incident response, and improving on-call quality through instrumentation and automation.
• Strong cross-functional communication skills and comfort working with product and operations partners.

Nice to Have

• Experience in fraud, risk, identity, authentication, authorization, abuse prevention, or security engineering.
• Familiarity with payments rails, card transaction risk, or account security patterns.
• Experience building internal tools for operations teams (case management, investigation, enforcement workflows).

Benefits

• Full-time Ramp Employees (Global)
• Flexible PTO
• Unlimited AI token usage
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend
• United States: 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
• One Medical annual membership
• Fertility HRA (up to $10,000 per year)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
• Pet insurance
• In-office perks: lunch, snacks, drinks, and more
• 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 drug coverage (up to $4,000 lifetime)
• Group Retirement Plan with employer match (RRSP + DPSP)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay