Software Engineer, Banking

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 The 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 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 to partner integrations - Bring deep attention to detail to financial systems where doing things right matters more than moving fast What You Need - 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 Nice to Have - 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 Benefits available to all full-time Ramp employees (Global) - Flexible PTO - 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, please contact that person to apply on your behalf. Other notices Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction r