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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