Staff Software Engineer, Liquidity Management New York, NY, United States

Ripple; New York (NY); On-site; USD 196,000 - 245,000; Full time

Benefits offered by this job

Competitive salary, bonuses, and equity

Health, dental, vision and wellness benefits

Retirement plan and family-support programs

Generous vacation policy

Job summary

Ripple is seeking a Staff Software Engineer specializing in Liquidity Management located in New York. This role focuses on technical leadership and engineering focused on building and maintaining core platform capabilities critical for treasury professionals.

You will drive architectural decisions, establish coding standards, and lead the development of machine learning features. The position requires at least 8 years of professional software engineering experience and offers competitive salary and benefits.

Qualifications

• Minimum 8 years of professional software engineering experience.
• Experience with complex, business-critical systems in production.
• Strong communication and cross-functional collaboration skills.
• Mentorship experience for at least two engineers.

Responsibilities

• Drive architectural decisions balancing scalability and maintainability.
• Lead technical design reviews and provide constructive feedback.
• Improve CI/CD pipelines and testing infrastructure.
• Mentor mid-level engineers toward technical leadership.

Skills

Software engineering expertise

Cloud platform proficiency (AWS, Azure, GCP)

CI/CD pipeline design

Containerization (Docker) and orchestration (Kubernetes)

Incident handling and production system ownership

Job description

Staff Software Engineer, Liquidity Management

New York, NY, United States

At Ripple Treasury, you’ll be part of a team that builds and maintains core platform capabilities giving treasury professionals real‑time visibility into cash and liquidity states across global institutions. The role focuses on technical leadership, architecture, and hands‑on engineering to deliver scalable services, maintain API integrations with ERPs and banks, and develop AI/ML features for forecasting and anomaly detection.

Responsibilities

• Drive architectural decisions for the platform, balancing scalability, maintainability, and rapid deployment.
• Establish technical standards and design patterns to ship features faster with fewer defects.
• Lead technical design reviews, provide constructive feedback, and elevate the team's architectural thinking.
• Identify and eliminate technical debt, create roadmaps to improve developer velocity and system reliability.
• Mentor mid‑level and senior engineers toward technical leadership roles.
• Break down complex problems into actionable work distributed across the team.
• Establish coding standards, review practices, and testing strategies to improve overall code quality.
• Champion engineering best practices including observability, incident response, and production excellence.
• Partner with Product and Customer Success teams to translate business requirements into scalable solutions.
• Collaborate with distributed teams across Ireland, U.S., Philippines, and Australia to align technical approaches.
• Improve CI/CD pipelines, testing infrastructure, and deployment processes to increase velocity.
• Lead post‑mortems and blameless retrospectives to turn incidents into learning opportunities.
• Anticipate future scalability challenges and recommend emerging technologies.
• Own critical systems end‑to‑end, from design through production support.
• Take responsibility for production reliability and proactively prevent incidents.
• Build and maintain API integrations with major ERPs (SAP, Oracle, Workday) and banking systems.
• Develop and optimize machine learning models for the GSmart AI engine.
• Design and implement flexible worksheet engines for customizable cash flow models.
• Optimize data processing for billions of dollars in daily transactions and build caching strategies for real‑time dashboards.
• Create interactive dashboards and automate notification systems for covenant compliance monitoring.

Qualifications

• 8+ years of professional software engineering experience.
• 3+ years working on complex, business‑critical systems in production.
• Experience on products with significant scale.
• Strong communication skills and cross‑functional collaboration experience.
• Track record of delivering multi‑quarter projects requiring coordination across teams.
• Strong ownership of production systems, on‑call experience, and incident handling.
• Mentored at least two engineers to level up technically.
• Proficiency with a major cloud platform (AWS, Azure, GCP).
• Experience with containerization (Docker) and orchestration (Kubernetes).
• Understanding of infrastructure‑as‑code and CI/CD pipeline design.
• Knowledge of observability: logging, metrics, tracing, and alerting.
• Experience with microservices deployment patterns and service mesh concepts.
• Deep understanding of distributed systems, multi‑tenancy, RBAC, audit logging, and compliance for financial systems.
• Expertise in relational databases (SQL Server ideal) and large‑scale multi‑tenant application development.
• Familiarity with RESTful APIs and alternatives (GraphQL, gRPC, webhooks).
• Deep experience in building large scale multi‑tenant applications.
• Understanding of financial concepts: cash positioning, forecasting, and liquidity management.
• Knowledge of banking systems, payment rails, and financial data formats (MT940, BAI2).
• Knowledge of multi‑currency handling, exchange rates, and time‑zone complexities.
• Awareness of financial compliance and regulatory requirements (SOC 2, data privacy).
• Experience integrating with third‑party financial systems.

Compensation

NY Annual Base Salary Range: $196,000 — $245,000 USD

Benefits

• Competitive salary, bonuses, and equity.
• Health, dental, vision and wellness benefits covering physical and mental healthcare.
• Retirement plan and family‑support programs.
• Employee giving match.
• Generous vacation policy and work‑from‑office flexibility.
• Industry‑leading parental leave policies and family‑planning benefits.
• Catered lunches, stocked kitchen, and wellness programs.

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.