Software Engineer, Fraud & Identity

Ramp; United States; Remote; USD 120,000 - 180,000; Full time

Job summary

Ramp is hiring a Software Engineer to build systems across Fraud, UIM, and Identity. This role sits at the intersection of security, risk decisioning, and product experience. You will help build detection and enforcement capabilities for fraud and account takeover, and the identity primitives that power authentication, authorization, and safe account access.

This work is deeply cross-functional. You will partner closely with Fraud Ops, Risk Strategy, Security, Product, and Data to ship

Responsibilities

• Build and evolve backend services that detect and prevent fraud across surfaces.
• Develop enforcement tooling that enables fast, safe actions such as identity locks, business locks, payment freezes, and other containment levers.
• Improve protections against account takeover (ATO), including risk-based step-ups, monitoring, and targeted friction ctr

Job description

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

We are hiring a Software Engineer to build systems across Fraud, UIM (User & Identity Management), and Identity. This role sits at the intersection of security, risk decisioning, and product experience. You will help build detection and enforcement capabilities for fraud and account takeover, as well as the identity primitives that power authentication, authorization, and safe account access. This work is deeply cross-functional. You will partner closely with Fraud Ops, Risk Strategy, Security, Product, and Data to ship improvements that are measurable in loss reduction, attack containment, and user experience.

What You’ll Do

• Build and evolve backend services that detect and prevent fraud across multiple surfaces, including account access and money movement.
• Develop enforcement and response tooling that enables fast, safe actions such as identity locks, business locks, payment freezes, and other containment levers.
• Improve protections against account takeover (ATO), including risk-based step-ups, monitoring, and targeted friction cont