# Software Engineer, Risk **Company:** [Ramp](https://scaleengineer.com/companies/ramp) Ramp is seeking a Software Engineer for their Risk Engineering team to build systems that handle $100+ billion in annual payment volume. The role focuses on backend development for limit management, portfolio optimization, and agentic workflows in the fintech space, requiring 2+ years of experience with Python and distributed systems. **Role:** Backend Engineer **Seniority:** Mid **Locations:** New York, NY (HQ) **Salary:** 168000–275100 USD [Apply](https://jobs.ashbyhq.com/ramp/5598f7b8-4ae2-4105-a2b4-2d0f55c54c40) Canonical: https://scaleengineer.com/jobs/ramp/software-engineer-risk --- ## Responsibilities - System Architecture: Design and architect scalable, stateful systems for automated limit management to optimize Ramp's $100+ billion charge card portfolio - AI Agent Development: Envision and build next-generation agents and tools that automate manual Risk decisions and increase operational efficiency - Risk Controls Engineering: Develop high-volume, low-latency Risk controls to support Ramp's expansion into new products, customer segments, and geographies - Real-time Decision Systems: Design and build real-time decisioning systems spanning the entirety of a business' tenure on Ramp platform - Cross-functional Collaboration: Partner closely with analysts, data scientists, and product teams to translate risk strategies into reliable, production-ready software - Technical Leadership: Own the technical roadmap for limit management, portfolio optimization, and agentic workflows across the Risk Engineering team - System Reliability: Maintain high-frequency controls and ensure system correctness for mission-critical financial operations - Automation Development: Build robust systems that automate complex operational tasks and reduce manual intervention in risk processes ## Requirements ### education - {"name":"Computer Science Degree","description":"Bachelor's degree in Computer Science, Software Engineering, or equivalent practical experience"} - {"name":"Technical Fundamentals","description":"Strong foundation in algorithms, data structures, and system design principles"} ### technical - {"name":"Backend Engineering","description":"Minimum 2+ years of backend engineering experience with production systems"} - {"name":"Python Proficiency","description":"Strong proficiency in Python or comparable backend programming languages"} - {"name":"Distributed Systems","description":"Hands-on experience working with distributed systems and asynchronous frameworks"} - {"name":"Data Modeling","description":"Expertise in converting abstract business problems into robust data models and technical specifications"} - {"name":"System Reliability","description":"Experience building or operating systems with strict auditability, observability, and correctness guarantees"} - {"name":"Financial Systems","description":"Understanding of high-stakes financial systems requiring accuracy and compliance"} ### experience - {"name":"Production Systems","description":"2+ years building and maintaining production backend systems at scale"} - {"name":"Cross-functional Collaboration","description":"Proven ability to work closely with non-engineering partners including Risk Strategy, Operations, and Sales teams"} - {"name":"High-volume Systems","description":"Experience with high-volume, low-latency systems handling significant transaction volumes"} - {"name":"System Ownership","description":"Demonstrated high ownership mentality with deep care for system quality and reliability"} ## Skills ### required - {"name":"Python Programming","description":"Expert-level Python development for backend systems and APIs"} - {"name":"Distributed Systems Design","description":"Architecture and implementation of scalable distributed systems"} - {"name":"Async Programming","description":"Asynchronous programming patterns for high-performance applications"} - {"name":"Data Modeling","description":"Converting business requirements into robust technical data models"} - {"name":"System Observability","description":"Building systems with comprehensive monitoring, logging, and alerting"} - {"name":"Financial Systems Knowledge","description":"Understanding of financial operations, compliance, and audit requirements"} ### preferred - {"name":"AI/LLM Integration","description":"Experience leveraging AI and Large Language Models for development or internal workflows"} - {"name":"Financial Optimization","description":"Interest and experience in financial optimization problems and algorithms"} - {"name":"Defensive Programming","description":"Writing resilient code with comprehensive error handling and validation"} - {"name":"ML Platform Experience","description":"Hands-on experience with feature stores, rule engines, and ML platforms in production"} - {"name":"Rapid Learning","description":"Ability to learn quickly and move fast while maintaining high standards for correctness"} ## Tech stack ### tools - {"name":"Kubernetes","description":"Container orchestration for scalable distributed systems"} - {"name":"Docker","description":"Containerization for consistent deployment across environments"} - {"name":"Apache Kafka","description":"Event streaming for real-time risk monitoring and alerts"} - {"name":"Datadog","description":"Monitoring and observability for high-stakes financial systems"} - {"name":"GitHub","description":"Version control and collaborative development"} - {"name":"Jenkins","description":"CI/CD pipeline for automated testing and deployment"} ### others - {"name":"Machine Learning Platforms","description":"Integration with ML models for automated risk assessment"} - {"name":"Rule Engines","description":"Business rule management for complex risk decision logic"} - {"name":"AI/LLM Integration","description":"Leveraging artificial intelligence for automated risk workflows"} - {"name":"Microservices Architecture","description":"Distributed system design for scalable financial operations"} ### databases - {"name":"PostgreSQL","description":"Primary relational database for financial transactions and risk data"} - {"name":"Redis","description":"In-memory cache for high-frequency risk controls and real-time decisions"} - {"name":"Feature Stores","description":"ML feature management for risk modeling and decision systems"} ### languages - {"name":"Python","description":"Primary backend programming language for building scalable risk systems"} - {"name":"SQL","description":"Database querying for financial data analysis and reporting"} ### frameworks - {"name":"Async Frameworks","description":"Building high-performance, non-blocking backend services for real-time risk decisions"} - {"name":"FastAPI","description":"Modern Python web framework for building APIs with automatic validation"} - {"name":"Flask","description":"Lightweight web framework for microservices architecture"} ## Benefits ### benefits - {"name":"Health Insurance","description":"100% medical, dental & vision insurance coverage for employees, partially covered for dependents"} - {"name":"One Medical","description":"Annual One Medical membership for convenient healthcare access"} - {"name":"401k with Match","description":"Retirement savings plan with employer matching contributions"} - {"name":"Flexible PTO","description":"Unlimited paid time off policy for work-life balance"} - {"name":"Fertility Benefits","description":"Fertility Health Reimbursement Account up to $10,000 per year"} - {"name":"Parental Leave","description":"Comprehensive parental leave policy for new parents"} - {"name":"AI Token Access","description":"Unlimited AI token usage for productivity and development"} - {"name":"Pet Insurance","description":"Coverage for pet healthcare expenses"} - {"name":"Home Office Equipment","description":"Centralized ordering system for home office setup and equipment"} - {"name":"Health & Wellness Stipend","description":"Financial support for health and wellness activities"} - {"name":"Office Perks","description":"In-office lunch, snacks, drinks, and other workplace amenities"} - {"name":"Travel Budget","description":"Budget allocated for intra-office travel and team collaboration"} - {"name":"Relocation Support","description":"Assistance with relocation to NYC or San Francisco as needed"} ## Compensation - **max:** 275100 - **min:** 168000 - **currency:** USD - **stockOptions:** true ## Interview process ### steps - {"name":"Application Review","description":"Initial screening of resume, portfolio, and technical background by engineering team"} - {"name":"Recruiter Phone Screen","description":"30-minute conversation with recruiting team to discuss role, compensation, and mutual fit"} - {"name":"Technical Phone Screen","description":"45-60 minute technical interview focusing on backend engineering concepts, Python proficiency, and system design"} - {"name":"Technical Deep Dive","description":"90-minute technical session covering distributed systems, data modeling, and risk management scenarios"} - {"name":"Cross-functional Interview","description":"60-minute interview with Risk Strategy or Operations team to assess collaboration skills and business understanding"} - {"name":"Engineering Manager Interview","description":"45-minute discussion about technical leadership, ownership mentality, and team collaboration"} - {"name":"Final Round","description":"Final interview with senior engineering leadership focusing on cultural fit and long-term vision alignment"} - {"name":"Reference Checks","description":"Professional reference verification and background check completion"} ## Full description # **About Ramp** At Ramp, we’re rethinking how modern finance teams function in the age of AI. We believe AI isn’t just the next big wave. It’s the new foundation for how business gets done. We’re investing in that future — and in the people bold enough to build it. Ramp is a financial operations platform designed to save companies time and money. Our all-in-one solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built-in intelligence to maximize the impact of every dollar and hour spent. More than 50,000 businesses, from family-owned farms to e-commerce giants to space startups, have saved $10B and 27.5M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over $100 billion in purchases each year. Ramp’s investors include Lightspeed Venture Partners, Thrive Capital, Sands Capital, General Catalyst, Founders Fund, Khosla Ventures, Sequoia Capital, Greylock, Redpoint, and ICONIQ, 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 has been named to Fast Company’s [Most Innovative Companies](https://www.fastcompany.com/91038883/ramp-most-innovative-companies-2024) list and LinkedIn’s [Top U.S. Startups](https://www.linkedin.com/pulse/linkedin-top-startups-2024-50-us-companies-rise-linkedin-news-hxote/?trackingId=uBI29YlAOxikbTI7cdvG4g%3D%3D) for more than 3 years, as well as the Forbes [Cloud 100](https://www.forbes.com/sites/richardnieva/2024/08/06/ramp-cloud-100/), CNBC [Disruptor 50](https://www.cnbc.com/2024/05/14/ramp-cnbc-disruptor-50.html), and TIME Magazine’s 100 [Most Influential Companies](https://time.com/collection/time100-companies-2023/6285147/ramp/). # About the Role 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. If you are obsessed with correctness, excited by ambiguity, and passionate about problems at the intersection of distributed systems and financial strategy, this role is for you. ## **What You'll Do** * 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. ## **What You Need** * 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 – you care deeply about the systems you build. * Ability to work closely with non-engineering partners (Risk Strategy, Ops, Sales) to create impact. ## ## **Nice to Haves** * 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. ## **Benefits (for U.S.-based full-time employees)** * 100% medical, dental & vision insurance coverage for you * Partially covered for your dependents * One Medical annual membership * 401k (including employer match on contributions made while employed by Ramp) * 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) ## **Referral Instructions** If you are being referred for the role, please contact that person to apply on your behalf. ## **Other notices** 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_](http://Ramp.com) _email addresses and will never ask for payment or sensitive personal information during the hiring process._ [Ramp Applicant Privacy Notice](https://ramp.com/legal/applicant-privacy-notice)