Software Engineer, Banking

Stack

Responsibilities

• ▹Design and build large-scale backend systems for money movement with strict correctness requirements
• ▹Architect clean, extensible abstractions for complex payments infrastructure
• ▹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

Requirements

• ▹5+ years of backend or platform engineering experience, ideally in high-scale production environments
• ▹Strong systems design skills — able to architect reliable, maintainable solutions from ambiguous requirements
• ▹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

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 with enterprise customers or treasury management systems

Soft skills

What we offer

• ▹Flexible PTO
• ▹Home-office equipment ordering
• ▹Health and wellness stipend
• ▹Travel budget and weekly coffee stipend
• ▹US: full medical/dental/vision coverage, 401(k) with employer match, up to 16 weeks parental leave, relocation support

About the company

Ramp builds the smart infrastructure for finance teams, automating how over $200B in annualized spend flows in and out of more than 70,000 companies; the Payments and Banking team is the backbone of Ramp's money movement.