Software Engineer, Fraud & Identity (Fintech)

Location: New York, NY (HQ)

Salary: $168K - $284.9K

Company

Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends.

What you will do

• Build and evolve backend services that detect and prevent fraud across multiple surfaces, including account access and money movement.
• Develop enforcement and response tooling that enables fast, safe actions such as identity locks, business locks, payment freezes, and other containment levers.
• Improve protections against account takeover (ATO), including risk-based step-ups, monitoring, and targeted friction controls.
• Design and operate high-signal systems with strong observability: metrics, dashboards, alerting, and playbooks for incidents and fraud campaigns.
• Partner with UIM/Identity stakeholders to strengthen authentication and identity foundations.
• Drive end-to-end delivery: technical design, implementation, rollout strategy, and iteration based on outcome metrics.

Requirements

• 3+ years of software engineering experience (or equivalent).
• Strong backend engineering fundamentals (APIs, distributed systems, data modeling, reliability).
• Experience building data-informed detection or decisioning systems, or strong interest in learning in this domain.
• Proven ability to operate production systems: debugging, incident response, and improving on-call quality through instrumentation and automation.
• Strong cross-functional communication skills and comfort working with product and operations partners.

Nice to have

• Experience in fraud, risk, identity, authentication, authorization, abuse prevention, or security engineering.
• Familiarity with payments rails, card transaction risk, or account security patterns.
• Experience building internal tools for operations teams (case management, investigation, enforcement workflows).

Culture & Benefits

• 100% medical, dental & vision insurance coverage for you and partially covered for your dependents.
• 401k (including employer match on contributions made while employed by Ramp).
• Flexible PTO.
• Fertility HRA (up to $10,000 per year).
• Unlimited AI token usage.
• Relocation support to NYC or SF (as needed).