Software Engineer, Fraud & Identity

Ramp is building the smart infrastructure for finance teams, and they are seeking a Software Engineer to build systems across Fraud, UIM, and Identity. This role involves developing detection and enforcement capabilities for fraud and account takeover, and strengthening authentication and identity foundations through cross-functional collaboration.

Responsibilities:

• Build and evolve backend services that detect and prevent fraud across multiple surfaces, including account access and money movement
• Develop enforcement and response tooling that enables fast, safe actions such as identity locks, business locks, payment freezes, and other containment levers
• Improve protections against account takeover (ATO), including risk-based step-ups, monitoring, and targeted friction controls (for example “under attack” style controls and MFA surge detection/alerting)
• Design and operate high-signal systems with strong observability: metrics, dashboards, alerting, and playbooks for incidents and fraud campaigns
• Partner with UIM/Identity stakeholders to strengthen authentication and identity foundations (roles, permissions, identity state, and related platform primitives)
• Drive end-to-end delivery: technical design, implementation, rollout strategy, and iteration based on outcome metrics

Requirements:

• 3+ years of software engineering experience (or equivalent)
• Strong backend engineering fundamentals (APIs, distributed systems, data modeling, reliability)
• Experience building data-informed detection or decisioning systems (rules engines, scoring, anomaly detection, or similar), or strong interest in learning in this domain
• Proven ability to operate production systems: debugging, incident response, and improving on-call quality through instrumentation and automation
• Strong cross-functional communication skills and comfort working with product and operations partners
• Experience in fraud, risk, identity, authentication, authorization, abuse prevention, or security engineering
• Familiarity with payments rails, card transaction risk, or account security patterns
• Experience building internal tools for operations teams (case management, investigation, enforcement workflows)