Note: The job is a remote job and is open to candidates in USA. Ramp is building the smart infrastructure for finance teams, and they are seeking a Software Engineer to build systems across Fraud, UIM, and Identity. This role involves developing detection and enforcement capabilities for fraud and account takeover, and strengthening authentication and identity foundations through cross-functional collaboration.

Responsibilities

• 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 (for example “under attack” style controls and MFA surge detection/alerting)
• 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 (roles, permissions, identity state, and related platform primitives)
• Drive end-to-end delivery: technical design, implementation, rollout strategy, and iteration based on outcome metrics

Skills

• 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 (rules engines, scoring, anomaly detection, or similar), 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
• 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)

Benefits

• Flexible PTO
• Unlimited AI token usage
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend
• 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
• One Medical annual membership
• 401(k), including employer match on contributions made while employed by Ramp
• Fertility HRA (up to $10,000 per year)
• Parental leave: up to 16 weeks (80 days) at 100% pay
• Pet insurance
• In-office perks: lunch, snacks, drinks, and more
• Relocation support to NYC or SF (as needed)
• Group medical, dental, and vision coverage through Sun Life
• Life, AD&D, and disability coverage
• Fertility drug coverage (up to $4,000 lifetime)
• Group Retirement Plan with employer match (RRSP + DPSP)
• Parental leave: up to 16 weeks (80 days) at 100% pay, with additional time available at reduced pay
• Employee Assistance Program and virtual care through Lumino Health
• Private medical insurance through Freedom Elite
• Virtual GP and at-home care via eMed x Livi
• Workplace pension through Penfold, with salary sacrifice option
• Parental leave: up to 16 weeks (80 days) at 100% pay, with additional time available at reduced pay

Company Overview

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