Software Engineer, Fraud & Identity

About Ramp Ramp 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 Role We are hiring a Software Engineer to build systems across Fraud, UIM (User & Identity Management), and Identity. This role sits at the intersection of security, risk decisioning, and product experience. You will help build detection and enforcement capabilities for fraud and account takeover, as well as the identity primitives that power authentication, authorization, and safe account access. This work is deeply cross-functional. You will partner closely with Fraud Ops, Risk Strategy, Security, Product, and Data to ship improvements that are measurable in loss reduction, attack containment, and user experience. What You’ll Do - 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. What You’ll Need - 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. Nice to Have - 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). Benefits available to all full-time Ramp employees (Global) - Flexible PTO - Unlimited AI token usage - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend United States - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation support to NYC or SF (as needed) Canada - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility 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 pay - Employee Assistance Program and virtual care through Lumino Health United Kingdom - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay Referral Instructions If you are being referred for the role,