Senior Software Engineer, Payments

P2P; United States; On-site; USD 172,000 - 215,000; Full time

Benefits offered by this job

Equity

Bonuses

Retirement plan

Wellness benefits

Job summary

Ripple is seeking a Senior Software Engineer to build enterprise-grade payment applications and global platforms. You will design and deliver backend services, focusing on scalability, reliability, and secure cross-border payments using the Java ecosystem.

You’ll mentor teammates and work with cross-functional teams to ensure design decisions align with strategic goals in a regulated, fast-paced environment.

Qualifications

• 5+ years in Software Engineering with a backend focus.
• Experience designing and delivering features in large distributed systems.
• Strong API design and integration skills (REST/gRPC).
• Experience with cloud platforms (AWS) and container orchestration.

Responsibilities

• Develop enterprise-level payment applications for cross-border use.
• Prototype and implement solutions, mentor the team, and craft scalable backend services.
• Collaborate with product, legal and business teams to align design with goals.
• Own technical delivery for complex features and manage debt reduction.

Skills

Java

Spring Boot

Backend engineering

Distributed systems

API design

AWS

Kubernetes

ECS

Concurrency

Technical ownership

Tools

Kafka

REST/SOAP

SQS/SNS

Job description

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs.

If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value.

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

WHAT YOU'LL BRING:

• 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:

For positions that will be based in CA, the annual salary range for this position is below. Actual salaries may vary based on numerous factors including, among other things, an individual applicant’s experience and qualifications for the position. This range does not include equity or additional compensation, such as bonuses or commissions.

CA Annual Base Salary Range

$172,000 — $215,000 USD

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.