Staff Software Engineer, Liquidity Management

Ripple • New York, NY

6d • $196,000 - $245,000 • Hybrid

About The Position

Ripple Treasury is seeking an innovative and forward-thinking Staff Software Developer passionate about building a world-class platform through a world-class team. This role involves creating technical software excellence and spearheading application development in design, implementation, and maintenance. The Liquidity Management team builds and maintains core platform capabilities for real-time visibility into an organization's cash and liquidity positions across banks, accounts, currencies, and legal entities worldwide. Their solutions help enterprise customers optimize funding operations, manage intercompany liquidity structures, and deploy idle cash. The team operates at the intersection of complex financial workflows and modern software engineering, delivering scalable, reliable systems for customers in over 40 countries. The team is undergoing a major modernization initiative to reimagine how enterprise treasury teams manage liquidity globally, focusing on a modern user experience, cloud-native architecture, and support for both fiat and digital assets. This is an opportunity to shape a platform processing over $100 billion in daily cash flow and tackle complex problems like real-time visibility, cash concentration, and the transition from legacy systems to a modern stack.

Requirements

• 8+ years of professional software engineering experience
• 3+ years working on complex, business-critical systems in production
• Experience working on products with significant scale
• Strong communication skills with experience working in cross functional projects
• Track record of delivering projects that span multiple quarters and require coordination across teams
• Owned and evolved significant portions of a production system end-to-end
• Been on-call for production systems and handled critical incidents
• Led technical designs that were implemented by teams of 3+ engineers
• Made architectural decisions that had lasting impact on system capabilities
• Mentored 2+ engineers to help them level up technically
• Established technical patterns that were adopted across the team
• Led technical spikes to evaluate new technologies or approaches
• Proficiency with at least one major cloud platform (AWS, Azure, GCP)
• Experience with containerization (Docker) and orchestration (Kubernetes)
• Understanding of infrastructure as code and CI/CD pipeline design
• Knowledge of observability: logging, metrics, tracing, and alerting strategies
• Experience with microservices deployment patterns and service mesh concepts
• Deep understanding of distributed systems patterns, even driven architectures, and message queues
• Multi-tenancy architecture and data isolation strategies
• Role-based access control (RBAC) and authorization patterns
• Audit logging and compliance requirements for financial systems
• API versioning and backward compatibility strategies
• Feature flagging and progressive rollout techniques
• Deep expertise with C#/.NET
• Expert in relational databases (SQL Server ideally), including query optimization, indexing strategies, and data modeling
• Deep experience in building large scale multi-tenant applications
• Experience building and maintaining RESTful APIs and understanding when to use alternative patterns (GraphQL, gRPC, webhooks)
• Deep knowledge in building applications using React, TypeScript, JavaScript, and related technologies

Nice To Haves

• Understanding of financial concepts: cash positioning, forecasting, liquidity management
• Knowledge of banking systems, payment rails, and financial data formats (e.g. MT940, BAI2)
• Understanding of multi-currency handling, exchange rates, and date/time complexities across time zones
• Awareness of financial compliance and regulatory requirements (SOC 2, data privacy)
• Experience integrating with third-party financial systems (banks, ERPs, payment processors)

Responsibilities

• Drive architectural decisions for the platform, balancing scalability, maintainability, and rapid deployment goals.
• Establish technical standards and design patterns that enable the team to ship features faster with fewer defects.
• Lead technical design reviews and provide constructive feedback that elevates the team's architectural thinking.
• Identify and eliminate technical debt strategically, creating roadmaps that improve both developer velocity and system reliability.
• Mentor mid-level and senior engineers, helping them grow into technical leadership roles.
• Break down complex, ambiguous problems into actionable work that distributes effectively across the team.
• Establish coding standards, review practices, and testing strategies that improve overall code quality.
• Champion engineering best practices including observability, incident response, and production excellence.
• Share enthusiasm for tech trends, explore and learn new technologies, engage with tech communities, mentor fellow engineers, and lead in technical design and code evaluations.
• Partner with Product and Customer Success teams to translate business requirements into scalable technical solutions.
• Collaborate across distributed teams (Ireland, U.S., Philippines, Australia) to drive alignment on technical approaches.
• Influence product roadmap by identifying technical opportunities that create competitive advantages.
• Bridge the gap between technical implementation and business value, helping the team prioritize high-impact work.
• Identify and eliminate bottlenecks in the development lifecycle that slow down the entire team.
• Improve CI/CD pipelines, testing infrastructure, and deployment processes to increase velocity.
• Drive adoption of modern engineering practices that improve developer experience and productivity.
• Lead post-mortems and blameless retrospectives that turn incidents into learning opportunities.
• Anticipate future scalability challenges before they become blockers (e.g., handling 10x growth in transaction volume).
• Evaluate emerging technologies and recommend when/how to adopt them (e.g., new ML frameworks, database technologies).
• Design systems that support the 90-day implementation promise while maintaining enterprise-grade quality.
• Balance technical excellence with pragmatic delivery, knowing when "good enough now" beats "perfect later".
• Own critical systems end-to-end, from design through production support.
• Take responsibility for production reliability and proactively prevent incidents.
• Step into ambiguous situations and drive them to resolution without needing explicit direction.
• Lead by example in code quality, documentation, and operational excellence.
• Make tough technical trade-off decisions and clearly communicate the reasoning.
• Build and maintain API integrations with major ERPs (SAP, Oracle, Workday) and banking systems to automatically pull transactional data.
• Develop and optimize machine learning models for the GSmart AI engine that predicts cash flows and automatically selects optimal forecasting algorithms.
• Build automated variance analysis systems that compare actuals vs. forecasts and generate actionable insights.
• Create pattern recognition algorithms to identify anomalies, seasonal trends, and customer payment behaviors.
• Design and implement flexible worksheet engines that allow users to customize cash flow models, categories, and reporting calendars.
• Optimize data processing for handling billions of dollars in daily transactions.
• Build caching and aggregation strategies for real-time dashboard performance.
• Design distributed systems architecture to support a 90-day rapid implementation model.
• Create interactive dashboards and visualization components for cash position insights.
• Build automated notification systems for covenant compliance monitoring and unusual variance alerts.

Benefits

• Professional development budget
• 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
• R&R days
• Generous wellness reimbursement and weekly onsite & virtual programming
• Generous vacation policy
• Industry-leading parental leave policies
• Family planning benefits
• Catered lunches
• Fully-stocked kitchens with premium snacks/beverages
• Plenty of fun events

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed