Senior Software Engineer, Payments

THE WORK:

Are you a highly skilled and passionate software engineer looking for an exciting new challenge? Join Ripple and help redefine the way we send and receive payments globally! As a Senior Software Engineer, you will have the chance to develop enterprise-level payment applications that enable FinTech and banks to settle cross-border payments instantly, securely, and efficiently.

As a technical guide, you will collaborate with a team of engineers to prototype and implement new solutions for sophisticated software problems, providing invaluable insights and mentorship to the team. You will work closely with multi-functional teams, including product, legal, and business development, to ensure that your design decisions are aligned with the strategic goals of the organization. Join us on this exciting journey and help craft the future of payments and the Internet of Value!

WHAT YOU’LL DO:

• A deep understanding of distributed systems architectures, trade offs, and challenges as they relate to payment transactions.
• Experience building highly scalable and performant enterprise software
• Excellent proven understanding of Java and its ecosystem (i.e. threading, concurrency ... etc).
• Eagerness to work openly and collaboratively with a diverse team
• A positive demeanor and a passion for sharing knowledge - the go-to person on the team for small and large questions
• Ability to encourage engineering standard processes in a team and the larger department

• • 5+ years experience in Software Engineering, with a deep focus on backend systems.
  • Deep, hands-on backend engineering experience building and operating modern, cloud-native, and highly-available distributed systems.
  • Proven track record designing and delivering complex features within large-scale systems in complex, regulated environments.
  • Strong skills in API design and integration (e.g., REST and/or gRPC), with a focus on defining clear, reusable service contracts.
  • Experience with cloud platforms (AWS preferred) and container orchestration (Kubernetes, ECS).
  • Ability to tactically navigate and reduce technical debt while driving significant business value and managing feature-level migration efforts.
  • Strong technical ownership skills: demonstrated ability to own the technical delivery for complex features and influence local, cross-team decisions.

  Preferred (But Not Required)

  • Experience with our current stack: Java + Spring Boot. We welcome candidates from other robust backend stacks (Go, Kotlin, C#, Python, Rust, etc.) who can quickly learn JVM technologies.
  • Experience with event-driven architecture (Kafka, SNS/SQS, etc.), essential for building a decoupled and resilient platform.

Other common names for this role:

---

WHO WE ARE:

Do Your Best Work

• The opportunity to build in a fast-paced start-up environment with experienced industry leaders
• A learning environment where you can dive deep into the latest technologies and make an impact. A professional development budget to support other modes of learning.
• Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team.
• In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in.
• Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team
• We come together for moments that matter which include team offsites, team bonding activities, happy hours and more!

Take Control of Your Finances

• Competitive salary, bonuses, and equity
• Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
• Employee giving match
• Mobile phone stipend

Take Care of Yourself

• R&R days so you can rest and recharge
• Generous wellness reimbursement and weekly onsite & virtual programming
• Generous vacation policy - work with your manager to take time off when you need it
• Industry-leading parental leave policies. Family planning benefits.
• Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

Benefits listed above are for full-time employees.

---

Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance.

Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.

---