Software Engineer, Banking

Ramp

Software Engineer building backend systems for a fintech company managing diverse forms of monetary flow. Designing and implementing solutions for banking and crypto payments infrastructure.

Posted 4/22/2026full-timeRemote • New York • 🇺🇸 United StatesMid-LevelSenior💰 $142,300 - $334,500 per yearWebsite

Tech Stack

Tools & technologies

Distributed SystemsRuby on Rails

About the role

Key responsibilities & impact

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

What you’ll 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
Experience in fintech, payments, or banking (ACH, card rails, crypto, ledgers) (Nice to have)
Familiarity with financial concepts: billing, reconciliation, ledgering, banking flows (Nice to have)
Experience integrating with third-party financial APIs or banking partners (Nice to have)
Background working closely with enterprise customers or navigating treasury management systems (Nice to have)

Benefits

Comp & perks

100% medical, dental & vision insurance coverage for you
Partially covered for your dependents
One Medical annual membership
401k (including employer match on contributions made while employed by Ramp)
Flexible PTO
Fertility HRA (up to $10,000 per year)
Parental Leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering for all employees
Health and Wellness stipend
In-office perks: lunch, snacks, drinks, and more
Budget for intra-office travel
Relocation support to NYC or SF (as needed)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

backend engineeringsystems designdistributed systemsperformance optimizationproduction reliabilityfinancial APIspayments infrastructuretechnical architectureproblem-solvingintegration

Soft Skills

attention to detailbuilder mentalityindependent problem-solvingadaptabilitycollaboration