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Ramp Logo Ramp · IT - Software Development

Software Engineer, Risk

United States, New York 168000.00 - 275100.00 USD / Year · Job Posted February 21, 2026
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Job Description

The Risk Engineering team builds the systems that enable Ramp to move quickly without compromising trust. As an engineer on Risk, you’ll own systems that influence $100+ billion in annual payment volume through millions of decisions across our product stack in support of the most ambitious FinTech portfolio in the United States. We are looking for a backend engineer to own the technical roadmap for limit management, portfolio optimization, and agentic workflows. You will build robust systems, automate complex operational tasks, and maintain the high-frequency controls that power all of Ramp’s products.

Job Responsibility

  • Architect scalable, stateful systems for automated limit management to optimize Ramp’s charge card portfolio
  • Envision and build the next generation of agents and tools that automate manual Risk decisions and increase operational efficiency
  • Develop high-volume, low-latency Risk controls to support Ramp’s expansion into new products, customer segments, and geographies
  • Design and build real-time decisioning systems spanning the entirety of a business’ tenure on Ramp
  • Partner closely with analysts, data scientists and product to translate risk strategies into reliable software

Requirements

  • 2+ years of backend engineering experience
  • Proficiency in Python or a comparable backend language
  • Experience working with distributed systems and async frameworks
  • Proficiency with converting abstract business problems into robust data models and technical specs
  • Experience building or operating systems with strict auditability, observability, and correctness guarantees
  • High ownership mentality
  • Ability to work closely with non-engineering partners (Risk Strategy, Ops, Sales) to create impact

Nice to have

  • Experience leveraging AI/LLMs for development or for internal workflows
  • Interest in financial optimization problems
  • Willingness to learn and move fast while holding the bar on correctness
  • Defensive programming aptitude
  • Experience using feature stores, rule engines and ML platforms in production

What we offer

  • 100% medical, dental & vision insurance coverage for you
  • Partially covered for your dependents
  • One Medical annual membership
  • 401k (including employer match)
  • Flexible PTO
  • Fertility HRA (up to $10,000 per year)
  • Parental Leave
  • Unlimited AI token usage
  • Pet insurance
  • Centralized home-office equipment ordering for all employees
  • Health and Wellness stipend
  • In-office perks: lunch, snacks, drinks, and more
  • Budget for intra-office travel
  • Relocation support to NYC or SF (as needed)
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