Software Engineer, Banking

Ramp is building the smart infrastructure for finance teams, automating how over $100B in annualized spend flows in and out of companies. The Software Engineer, Banking will design and build large-scale backend systems for money movement, ensuring correctness and reliability while interfacing with various banking and payment partners.

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

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
• 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