Software Engineer II

The Work

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.

What You'll Do

• 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

What You'll Bring

• 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)

Pay and benefits

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

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.

Please find our California, UK/EU, Singapore, DIFC, ADGM, Australia, and Switzerland Applicant Privacy Notice for reference.