Software Engineer, Banking

About RampRamp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.The problems are high-stakes, data-dense, and unforgiving.We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.About the RoleThe Payments and Banking team builds the foundational backend systems that power every dollar flowing through Ramp. We're a platform-first team obsessed with correctness, reliability, and scale — providing the rock-solid financial infrastructure that enables Ramp's explosive growth.Money at Ramp isn't just one thing: it's domestic currencies, international currencies, cutting-edge stablecoins, rewards points, and more. The platforms we build handle all of these diverse forms of value at massive scale. To do that, we maintain healthy, fast connections to real-world banking systems of every shape and size — from small-business checking accounts to enterprise treasury accounts to cryptocurrency wallets. When we build reliable abstractions, every other team at Ramp can build things that just work for every customer.What You'll DoDesign and build large-scale backend systems for money movement with strict correctness requirementsArchitect clean, extensible abstractions for complex payments infrastructure — making it easier for other teams to interface with financial railsBuild systems that handle both traditional banking and emerging crypto payment railsInterface with diverse third-party banking and payments partners to accelerate feature deliveryOwn problems end to end — from technical architecture to production reliability to partner integrationsBring deep attention to detail to financial systems where doing things right matters more than moving fastWhat You Need5+ years of backend or platform engineering experience, ideally in high-scale production environmentsStrong systems design skills — you can take ambiguous requirements and architect reliable, maintainable solutionsComfort with distributed systems, performance optimization, and production reliabilityExperience thriving in fast-moving environments with high ambiguity and independent problem-solvingA builder mentality — you own outcomes, not just ticketsNice to HaveExperience in fintech, payments, or banking (ACH, card rails, crypto, ledgers)Familiarity with financial concepts: billing, reconciliation, ledgering, banking flowsExperience integrating with third-party financial APIs or banking partnersBackground working closely with enterprise customers or navigating treasury management systemsBenefits available to all full-time Ramp employees (Global)Flexible PTOCentralized home-office equipment orderingHealth and wellness stipendBudget for intra-office travelWeekly coffee stipendUnited States100% medical, dental & vision insurance coverage for you, with partial coverage for dependentsOne Medical annual membership401(k), including employer match on contributions made while employed by RampFertility HRA (up to $10,000 per year)Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% payPet insuranceIn-office perks: lunch, snacks, drinks, and moreRelocation support to NYC or SF (as needed)CanadaGroup medical, dental, and vision coverage through Sun LifeLife, AD&D, and disability coverageFertility drug coverage (up to $4,000 lifetime)Group Retirement Plan with employer match (RRSP + DPSP)Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced payEmployee Assistance Program and virtual care through Lumino HealthUnited KingdomPrivate medical insurance through Freedom EliteVirtual GP and at-home care via eMed x LiviWorkplace pension through Penfold, with salary sacrifice optionParental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced payReferral InstructionsIf you are being referred for the role, please contact that person to apply on your behalf.Other noticesPursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.Ramp Applicant Privacy NoticeCompensation Range: $189K - $330KLocationNew York, NY (HQ); Remote (US); San Francisco, CAEmployment TypeFull timeLocation TypeRemoteDepartmentEngineeringCompensationNationwideTarget Base Salary $189K – $330K • Offers EquityThe final compensation will depend on the location and level at which the candidate is hired.