Software Engineer II New San Francisco, CA, United States

Ripple Inc.; San Francisco (CA); On-site; USD 140,000 - 170,000; Full time

Benefits offered by this job

Equity

Healthcare & retirement benefits

Professional development budget

Job summary

Ripple Inc. is building a financial technology platform in San Francisco, delivering infrastructure for fiat and crypto operations.

The Financial Core team develops, tests, and deploys scalable backend services with Java/Spring Boot, Postgres, and React UI components to power Ripple's custodian network. You will automate settlement, funding, and liquidity workflows across accounts, while maintaining production reliability and collaborating with product teams.

Qualifications

• 2–5 years of software engineering experience shipping production systems.
• Backend language experience: Java, Go, Python, or TypeScript.
• Ability to work across stack: API, UI, and databases.
• Strong knowledge of relational databases and REST APIs.
• Clear communication with non-engineering partners.
• Experience with financial systems or payments is a plus.
• Familiarity with Spring Boot, Postgres, and React.
• Experience with agentic/closed-loop automation is a plus.

Responsibilities

• Develop and deploy backend services and internal tools for settlement and liquidity workflows.
• Collaborate with Product Ops and Product to automate manual processes.
• Contribute across REST API, migrations, and React UI components.
• Maintain production reliability and on-call duties for real-time money movement.
• Write well-tested, reviewable code and participate in code reviews.

Skills

Software engineering

API development

Cross-stack development

Relational databases

Communication

AI-assisted coding

Tools

Spring Boot

Postgres

React

Kubernetes

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.

Are you ready to join a dedicated team that is crafting the future of financial technology? At Ripple Labs Inc., we are on a mission to transform manual financial operations into flawless automated systems. As a Software Engineer on the Financial Core team, you'll play a crucial role in building the essential infrastructure that powers Ripple's global custodian network.

THE WORK:

We are the Financial Core team, the platform layer supporting Ripple's products. We manage vital infrastructure for money flow, including asset transfers across Ripple's global custodian network that covers fiat rails and crypto custody. Our responsibilities include settlement automation and liquidity management across many accounts and banking partners. The technology stack uses Java/Spring Boot on the backend, React/TypeScript for internal tools, and Postgres. These are deployed on Kubernetes with built-in observability and approval processes. We collaborate closely with Product Ops and Product to transform manual financial tasks into dependable, auditable, and automated systems.

WHAT YOU’LL DO:

• Develop and deploy backend services and internal tools that automate settlement, funding, and liquidity management workflows
• Work directly with Product Ops and Product to understand manual processes and build software that replaces or accelerates them
• Contribute across the stack—REST API handlers, database migrations, and React UI components
• Participate in on-call rotation and maintain production reliability for financial systems that move money in real time
• Write well-tested, reviewable code and contribute to build discussions with your team and cross-functional partners

WHAT YOU'LL BRING:

• 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
• Comfortable contributing across the stack (backend APIs + UI components)
• Solid grasp of relational databases, REST API development, and basic distributed systems concepts
• Able to read, navigate, and add to existing codebases—not only new projects
• Clear communicator with non-engineering partners—operations, finance, and product teams are your collaborators
• Uses AI tools (Claude, Copilot, Cursor, etc.) actively as a core part of writing, reviewing, and debugging code. These tools are not a novelty but a genuine accelerant
• Experience with financial systems, payments, or operations automation workflows
• Familiarity with Spring Boot, Postgres, React
• Experience crafting or deploying agentic systems—closed-loop automation that runs without a human in the critical path (approval workflows, reconciliation pipelines, event-driven monitoring)

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

$140,000 — $170,000 USD

WHO WE ARE:

• 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

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.