Senior Software Engineer, Payments

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.

Are you a highly skilled and passionate software engineer looking for an exciting new challenge? Join Ripple and help redefine the way we send and receive payments globally! As a Senior Software Engineer, you will have the chance to develop enterprise-level payment applications that enable FinTech and banks to settle cross-border payments instantly, securely, and efficiently.

As a technical guide, you will collaborate with a team of engineers to prototype and implement new solutions for sophisticated software problems, providing invaluable insights and mentorship to the team. You will work closely with multi-functional teams, including product, legal, and business development, to ensure that your design decisions are aligned with the strategic goals of the organization. Join us on this exciting journey and help craft the future of payments and the Internet of Value!

• A deep understanding of distributed systems architectures, trade offs, and challenges as they relate to payment transactions.

• Experience building highly scalable and performant enterprise software

• Excellent proven understanding of Java and its ecosystem (i.e. threading, concurrency ... etc).

• Eagerness to work openly and collaboratively with a diverse team

• A positive demeanor and a passion for sharing knowledge - the go-to person on the team for small and large questions

• Ability to encourage engineering standard processes in a team and the larger department

• 5+ years experience in Software Engineering, with a deep focus on backend systems.

• Deep, hands-on backend engineering experience building and operating modern, cloud-native, and highly-available distributed systems.

• Proven track record designing and delivering complex features within large-scale systems in complex, regulated environments.

• Strong skills in API design and integration (e.g., REST and/or gRPC), with a focus on defining clear, reusable service contracts.

• Experience with cloud platforms (AWS preferred) and container orchestration (Kubernetes, ECS).

• Ability to tactically navigate and reduce technical debt while driving significant business value and managing feature-level migration efforts.

• Strong technical ownership skills: demonstrated ability to own the technical delivery for complex features and influence local, cross-team decisions.

Preferred (But Not Required)

• Experience with our current stack: Java + Spring Boot. We welcome candidates from other robust backend stacks (Go, Kotlin, C#, Python, Rust, etc.) who can quickly learn JVM technologies.

• Experience with event-driven architecture (Kafka, SNS/SQS, etc.), essential for building a decoupled and resilient platform.

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