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Salary: USD 140,000 - 170,000 / annual
Ripple is building infrastructure to transform global financial operations. The Financial Core team is responsible for the platform layer supporting Ripple's products, managing vital infrastructure for money flow including asset transfers across Ripple's global custodian network covering fiat rails and crypto custody. This role focuses on settlement automation and liquidity management across many accounts and banking partners.
As a Software Engineer II on the Financial Core team, you will develop and deploy backend services and internal tools that automate settlement, funding, and liquidity management workflows. You'll work directly with Product Ops and Product teams to understand manual processes and build software that replaces or accelerates them. Your responsibilities include contributing across the full stack—REST API handlers, database migrations, and React UI components—while participating in on-call rotation to maintain production reliability for financial systems that move money in real time. You'll write well-tested, reviewable code and contribute to build discussions with your team and cross-functional partners.
The technology stack uses Java/Spring Boot on the backend, React/TypeScript for internal tools, and Postgres, deployed on Kubernetes with built-in observability and approval processes. The team collaborates closely with Product Ops and Product to transform manual financial tasks into dependable, auditable, and automated systems.
The company offers a hybrid work environment with flexibility—10+ days per month in-office collaboration. Benefits include competitive salary, bonuses, and equity; comprehensive healthcare coverage; professional development budget; R&R days; generous vacation policy; and industry-leading parental leave.
REQUIREMENTS:
- 2–5 years of software engineering experience building and shipping production systems
- Backend experience in at least one language (Java, Go, Python, or TypeScript); comfort with object-oriented development and production-grade codebases
- Ability to contribute across the stack (backend APIs + UI components)
- Solid grasp of relational databases, REST API development, and basic distributed systems concepts
- Ability to read, navigate, and add to existing codebases—not only new projects
- Clear communication skills with non-engineering partners (operations, finance, product teams)
- Active use of AI tools (Claude, Copilot, Cursor, etc.) as a core part of writing, reviewing, and debugging code
- Experience with financial systems, payments, or operations automation workflows (preferred)
- Familiarity with Spring Boot, Postgres, React (preferred)
- Experience crafting or deploying agentic systems—closed-loop automation that runs without a human in the critical path, such as approval workflows, reconciliation pipelines, or event-driven monitoring (preferred)