Software Engineer II

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.

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

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

Do Your Best Work

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

Mobile phone stipend

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.

Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.