At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs. If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value. We are seeking an innovative and forward-thinking Staff Software Developer passionate about building a world-class platform through a world-class team. Creating technical software excellence and spearheading application development in design, implementation, and maintenance to make great things happen. ## What You’ll Do – Be a Force Multiplier:
Technical Leadership & Architecture:
Drive architectural decisions for the platform, balancing scalability, maintainability, and rapid deployment goals
Establish technical standards and design patterns that enable the team to ship features faster with fewer defects
Lead technical design reviews and provide constructive feedback that elevates the team's architectural thinking
Identify and eliminate technical debt strategically, creating roadmaps that improve both developer velocity and system reliability
Team Enablement & Mentorship:
Mentor mid-level and senior engineers, helping them grow into technical leadership roles
Break down complex, ambiguous problems into actionable work that distributes effectively across the team
Establish coding standards, review practices, and testing strategies that improve overall code quality
Champion engineering standard processes including observability, incident response, and production excellence
Share your enthusiasm for tech trends, explore and learn new technologies, engage with tech communities, mentor fellow engineers, and lead in technical design and code evaluations
Multi-functional Impact:
Partner with Product and Customer Success teams to translate business requirements into scalable technical solutions
Collaborate across distributed teams (Ireland, U.S., Philippines, Australia) to drive alignment on technical approaches
Influence product roadmap by identifying technical opportunities that create competitive advantages
Bridge the gap between technical implementation and business value, helping the team prioritize high-impact work
Increase Agility:
Identify and eliminate bottlenecks in the development lifecycle that slow down the entire team
Improve CI/CD pipelines, testing infrastructure, and deployment processes to increase velocity
Drive adoption of modern engineering practices that improve developer experience and productivity
Lead post-mortems and blameless retrospectives that turn incidents into learning opportunities
Strategic Technical Vision:
Anticipate future scalability challenges before they become blockers (e.g., handling 10x growth in transaction volume)
Evaluate emerging technologies and recommend when/how to adopt them (e.g., new ML frameworks, database technologies)
Design systems that support the 90-day implementation promise while maintaining enterprise-grade quality
Balance technical excellence with pragmatic delivery, knowing when "good enough now" beats "perfect later"
Ownership & Accountability:
Own critical systems end-to-end, from design through production support
Take responsibility for production reliability and proactively prevent incidents
Step into ambiguous situations and drive them to resolution without needing explicit direction
Lead by example in code quality, documentation, and operational excellence
Make tough technical trade-off decisions and clearly communicate the reasoning
What You’ll Work On:
Integration & Data Connectivity:
Build and maintain API integrations with major ERPs (SAP, Oracle, Workday) and banking systems to automatically pull transactional data
AI/ML Features:
Develop and optimize machine learning models for the GSmart AI engine that predicts cash flows and automatically selects optimal forecasting algorithms
Build automated variance analysis systems that compare actuals vs. forecasts and generate actionable insights
Create pattern recognition algorithms to identify anomalies, seasonal trends, and customer payment behaviors
Platform Development:
Design and implement flexible worksheet engines that allow users to customize cash flow models, categories, and reporting calendars
Performance & Scalability:
Optimize data processing for handling billions of dollars in daily transactions
Build caching and aggregation strategies for real-time dashboard performance
Design distributed systems architecture to support a 90-day rapid implementation model
Reporting & Analytics:
Create interactive dashboards and visualization components for cash position insights
Build automated notification systems for covenant compliance monitoring and unusual variance alerts
Essential Knowledge / Experience:
Years & Scope:
8+ years of professional software engineering experience
3+ years working on complex, business-critical systems in production
Experience working on products with significant scale
Strong communication skills with experience working in multi-functional projects
Track record of delivering projects that span multiple quarters and require coordination across teams
System Ownership:
Owned and evolved significant portions of a production system end-to-end
Been on-call for production systems and handled critical incidents
Led technical designs that were implemented by teams of 3+ engineers
Made architectural decisions that had lasting impact on system capabilities
Technical Leadership:
Mentored 2+ engineers to help them level up technically
Established technical patterns that were adopted across the team
Led technical spikes to evaluate new technologies or approaches
Cloud & Infrastructure:
Proficiency with at least one major cloud platform (AWS, Azure, GCP)
Experience with containerization (Docker)
Understanding of infrastructure as code and CI/CD pipeline design
Knowledge of observability: logging, metrics, tracing, and alerting strategies
Enterprise Software Patterns:
Deep understanding of distributed systems patterns, even driven architectures, and message queues
Multi-tenancy architecture and data isolation strategies
Role-based access control (RBAC) and authorization patterns
Audit logging and compliance requirements for financial systems
API versioning and backward compatibility strategies
Feature flagging and progressive rollout techniques
Core Technologies:
Deep expertise with Ruby on Rails
Expert in RDBMS (ideally PostGres), including query optimization, indexing strategies, and data modeling
Deep experience in building large scale multi-tenant applications
Experience building and maintaining RESTful APIs and understanding when to use alternative patterns (GraphQL, gRPC, webhooks)
Deep knowledge in building applications using React, TypeScript, JavaScript, and related technologies
Preferred Knowledge / Experience:
Understanding of financial concepts: cash positioning, forecasting, liquidity management
Knowledge of banking systems, payment rails, and financial data formats (MT940, BAI2, SWIFT)
Understanding of multi-currency handling, exchange rates, and date/time complexities across time zones
Awareness of financial compliance and regulatory requirements (SOC 2, data privacy)
Experience integrating with third-party financial systems (banks, ERPs, payment processors)
WHO WE ARE:
Do Your Best Work
The opportunity to build in a fast-paced start-up environment with experienced industry leaders
A learning environment where you can dive deep into the latest technologies and make an impact. A professional development budget to support other modes of learning. - Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team. - In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in. - Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team
We come together for moments that matter which include team offsites, team bonding activities, happy hours and more! 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. We’re committed to building a diverse and inclusive team.
