Software Engineer, Banking

Ramp•New York, NY

23h•Onsite

About The Position

The Payments and Banking team at Ramp is responsible for building the foundational backend systems that power all money movement through the platform. This is a platform-first team focused on correctness, reliability, and scalability, providing the robust financial infrastructure necessary for Ramp's rapid growth. The role involves handling diverse forms of value, including domestic and international currencies, stablecoins, and rewards points, at a massive scale. The team maintains healthy and fast connections to various real-world banking systems, from small-business checking accounts to enterprise treasury accounts and cryptocurrency wallets. By building reliable abstractions, the team enables other Ramp teams to develop features that work seamlessly for every customer.

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

Nice To Haves

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

Responsibilities

Design and build large-scale backend systems for money movement with strict correctness requirements
Architect 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