[Remote] Software Engineer, Banking

Note: The job is a remote job and is open to candidates in USA. Ramp is building the smart infrastructure for finance teams, automating how over $100B in annualized spend flows in and out of companies. The Software Engineer, Banking will design and build large-scale backend systems for money movement, ensuring correctness and reliability while interfacing with various banking and payment partners.ResponsibilitiesDesign and build large-scale backend systems for money movement with strict correctness requirementsArchitect clean, extensible abstractions for complex payments infrastructure — making it easier for other teams to interface with financial railsBuild systems that handle both traditional banking and emerging crypto payment railsInterface with diverse third-party banking and payments partners to accelerate feature deliveryOwn problems end to end — from technical architecture to production reliability to partner integrationsBring deep attention to detail to financial systems where doing things right matters more than moving fastSkills5+ years of backend or platform engineering experience, ideally in high-scale production environmentsStrong systems design skills — you can take ambiguous requirements and architect reliable, maintainable solutionsComfort with distributed systems, performance optimization, and production reliabilityExperience thriving in fast-moving environments with high ambiguity and independent problem-solvingA builder mentality — you own outcomes, not just ticketsExperience in fintech, payments, or banking (ACH, card rails, crypto, ledgers)Familiarity with financial concepts: billing, reconciliation, ledgering, banking flowsExperience integrating with third-party financial APIs or banking partnersBackground working closely with enterprise customers or navigating treasury management systemsBenefitsFlexible PTOUnlimited AI token usageCentralized home-office equipment orderingHealth and wellness stipendBudget for intra-office travelWeekly coffee stipend100% medical, dental & vision insurance coverage for you, with partial coverage for dependentsOne Medical annual membership401(k), including employer match on contributions made while employed by RampFertility HRA (up to $10,000 per year)Parental leave: up to 16 weeks (80 days) at 100% payPet insuranceIn-office perks: lunch, snacks, drinks, and moreRelocation support to NYC or SF (as needed)Group medical, dental, and vision coverage through Sun LifeLife, AD&D, and disability coverageFertility drug coverage (up to $4,000 lifetime)Group Retirement Plan with employer match (RRSP + DPSP)Parental leave: up to 16 weeks (80 days) at 100% pay, with additional time available at reduced payEmployee Assistance Program and virtual care through Lumino HealthPrivate medical insurance through Freedom EliteVirtual GP and at-home care via eMed x LiviWorkplace pension through Penfold, with salary sacrifice optionParental leave: up to 16 weeks (80 days) at 100% pay, with additional time available at reduced payCompany OverviewRamp is a financial technology company that develops software for corporate spend management, finance operations, and business payments. It was founded in 2019, and is headquartered in New York, New York, USA, with a workforce of 1001-5000 employees. Its website is https://ramp.com.Company H1B SponsorshipRamp has a track record of offering H1B sponsorships, with 3 in 2026, 29 in 2025, 24 in 2024, 11 in 2023, 10 in 2022, 2 in 2021, 2 in 2020. Please note that this does not guarantee sponsorship for this specific role.