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 DoBuild 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 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 campaigns.
Partner 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 metrics.
3+ 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 domain.
Proven ability to operate production systems: debugging, incident response, and improving on-call quality through instrumentation and automation.
Strong cross-functional communication skills and comfort working with product and operations partners.
Nice to Have
Experience in fraud, risk, identity, authentication, authorization, abuse prevention, or security engineering.
Familiarity with payments rails, card transaction risk, or account security patterns.
Experience building internal tools for operations teams (case management, investigation, enforcement workflows).
• Flexible PTO
• Unlimited AI token usage
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend
United States• 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
• One Medical annual membership
• 401(k), including employer match on contributions made while employed by Ramp
• Fertility HRA (up to $10,000 per year)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
• Pet insurance
• In-office perks: lunch, snacks, drinks, and more
• Relocation support to NYC or SF (as needed)
Canada• Group medical, dental, and vision coverage through Sun Life
• Life, AD&D, and disability coverage
• Fertility drug coverage (up to $4,000 lifetime)
• Group Retirement Plan with employer match (RRSP + DPSP)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
• Employee Assistance Program and virtual care through Lumino Health
United Kingdom• Private medical insurance through Freedom Elite
• Virtual GP and at-home care via eMed x Livi
• Workplace pension through Penfold, with salary sacrifice option
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay
Referral InstructionsIf you are being referred for the role, please contact that person to apply on your behalf.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice
Skills Required
- 3+ years of software engineering experience (or equivalent).
- Strong backend engineering fundamentals (APIs, distributed systems, data modeling, reliability).
- Proven ability to operate production systems: debugging, incident response, and improving on-call quality through instrumentation and automation.
Ramp Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Ramp and has not been reviewed or approved by Ramp.
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Fair & Transparent Compensation — Fair & Transparent Compensation: Pay is positioned as competitive or top-of-market in core technical roles, with strong base pay and total compensation ranges cited for engineers and product roles. Compensation is also framed as including meaningful equity alongside salary, making offers feel compelling versus many startup benchmarks.
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Healthcare Strength — Healthcare Strength: Healthcare coverage is described as comprehensive, often including medical, dental, and vision, with additional primary-care access via a One Medical membership. The package is portrayed as above-average on employer coverage for employees, increasing perceived value of the benefits bundle.
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Retirement Support — Retirement Support: A 401(k) with an employer match is consistently included as a core benefit. Immediate or meaningful matching is presented as a concrete financial benefit that goes beyond a basic plan offering.
Ramp Insights
What We Do
Ramp is building the next generation of finance tools—from corporate cards and expense management, to bill payments and accounting integrations—designed to save businesses time and money with every click. More than 10,000 customers cut their expenses by 3.5% per year and closing their books 8x faster by switching to the Ramp platform. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment software in America and enables billions of dollars of purchases each year. Ramp continues to grow at an increasingly large scale, more than doubling its revenue run rate in the first half of 2022. Valued at $8.1 billion, Ramp's investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures, General Catalyst, and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp was named Fast Company’s most innovative finance company in 2022.
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