Software Engineer, Banking
WFA Digital Insight
The demand for skilled software engineers in fintech has skyrocketed, with a 25% increase in job openings over the past year. As companies like Ramp pioneer smart financial infrastructure, the need for experts who can design and build large-scale backend systems for money movement has become critical. With its focus on correctness, reliability, and scale, Ramp stands out in the industry. Before applying, candidates should be aware that this role requires a unique blend of technical skills, attention to detail, and the ability to thrive in fast-moving environments. Given the current remote job market, professionals with experience in high-scale production environments and a builder mentality are in high demand.
Job Description
About the Role
The Payments and Banking team at Ramp is responsible for building the foundational backend systems that power every dollar flowing through the platform. As a Software Engineer, Banking, you will be part of a platform-first team obsessed with correctness, reliability, and scale, providing the rock-solid financial infrastructure that enables Ramp's explosive growth. Your day-to-day work will involve designing and building large-scale backend systems for money movement with strict correctness requirements, architecting clean and extensible abstractions for complex payments infrastructure, and interfacing with diverse third-party banking and payments partners.The role is critical to Ramp's mission of building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. By automating how over
Ramp's culture values high agency and high urgency, looking for individuals who can take ownership of their work and drive results. The team is focused on slope over intercept, caring less about where you trained and more about what you've built. This mindset allows for a dynamic and innovative work environment where everyone is a builder, making a direct impact on the company's growth.
What You Will Do
- 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 and partner integrations
- Bring deep attention to detail to financial systems where doing things right matters more than moving fast
- Collaborate with cross-functional teams to ensure the reliability and scalability of Ramp's financial infrastructure
- Participate in code reviews to maintain high coding standards and best practices
- Contribute to the development of Ramp's technical vision and strategy
What We Are Looking For
- 5+ years of backend or platform engineering experience, ideally in high-scale production environments
- Strong systems design skills, with the ability to 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, owning outcomes, not just tickets
- Strong understanding of financial concepts, such as billing, reconciliation, ledgering, and banking flows
- Experience with financial APIs or banking partners is a plus
- Ability to work closely with enterprise customers or navigate treasury management systems
Nice to Have
- Experience in fintech, payments, or banking, particularly with ACH, card rails, crypto, or ledgers
- Familiarity with financial concepts and terminology
- Background working with third-party financial APIs or banking partners
- Experience with cloud-based infrastructure and containerization
Benefits and Perks
- 100% medical, dental, and vision insurance coverage for you and partially covered for your dependents
- One Medical annual membership
- 401k, including employer match on contributions made while employed by Ramp
- Flexible PTO to ensure a healthy work-life balance
- Fertility HRA of up to 0,000 per year
- Parental Leave to support you and your family
- Unlimited AI token usage for professional development
- Pet insurance to cover your furry friends
- Centralized home-office equipment ordering for all employees
- Health and Wellness stipend to promote your well-being
- In-office perks, including lunch, snacks, drinks, and more
- Budget for intra-office travel to facilitate team collaboration
- Relocation support to NYC or SF, if needed
How to Stand Out
- Highlight your experience with distributed systems and performance optimization, as these are critical skills for the role.
- Be prepared to discuss your approach to systems design, including how you handle ambiguity and ensure reliability and scalability.
- Showcase your ability to work independently and as part of a team, demonstrating your capacity for problem-solving and collaboration.
- Familiarize yourself with Ramp's products and services, understanding how your role contributes to the company's mission and growth.
- Emphasize your attention to detail and ability to thrive in fast-moving environments, as these are essential qualities for success in this position.
- Prepare examples of your past work and experiences, particularly those related to fintech, payments, or banking, to demonstrate your expertise and skills.
- Research Ramp's culture and values, ensuring you understand the company's expectations and can articulate how your skills and experience align with its mission.
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