[Remote] Software Engineer, Fraud & Identity

Note: The job is a remote job and is open to candidates in USA. Ramp is building the smart infrastructure for finance teams, and they are seeking a Software Engineer to build systems across Fraud, UIM, and Identity. This role involves developing detection and enforcement capabilities for fraud and account takeover, and strengthening authentication and identity foundations through cross-functional collaboration.ResponsibilitiesBuild and evolve backend services that detect and prevent fraud across multiple surfaces, including account access and money movementDevelop enforcement and response tooling that enables fast, safe actions such as identity locks, business locks, payment freezes, and other containment leversImprove protections against account takeover (ATO), including risk-based step-ups, monitoring, and targeted friction controls (for example “under attack” style controls and MFA surge detection/alerting)Design and operate high-signal systems with strong observability: metrics, dashboards, alerting, and playbooks for incidents and fraud campaignsPartner with UIM/Identity stakeholders to strengthen authentication and identity foundations (roles, permissions, identity state, and related platform primitives)Drive end-to-end delivery: technical design, implementation, rollout strategy, and iteration based on outcome metricsSkills3+ years of software engineering experience (or equivalent)Strong backend engineering fundamentals (APIs, distributed systems, data modeling, reliability)Experience building data-informed detection or decisioning systems (rules engines, scoring, anomaly detection, or similar), or strong interest in learning in this domainProven ability to operate production systems: debugging, incident response, and improving on-call quality through instrumentation and automationStrong cross-functional communication skills and comfort working with product and operations partnersExperience in fraud, risk, identity, authentication, authorization, abuse prevention, or security engineeringFamiliarity with payments rails, card transaction risk, or account security patternsExperience building internal tools for operations teams (case management, investigation, enforcement workflows)BenefitsFlexible 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.