Senior Software Engineer, Financial Crimes

span 400; 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.

span 400; If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value.

strong THE WORK:

Ripple is building the Internet of Value by building infrastructure that moves money as fast as information moves today. Every payment that flows across our network passes through real-time financial crimes controls: sanctions screening, wallet risk analysis, transaction monitoring, and travel rule compliance. The Financial Crimes Engineering team builds and operates that layer.

This is the engineering that determines whether payments clear or hold, whether Ripple meets its regulatory obligations across jurisdictions, and whether the network can scale without compromising on compliance. The problem space is genuinely hard: high-throughput distributed systems, real-time decisioning, multi-source coordination across external compliance data providers, regulator-grade audit trails, and resilience requirements measured against critical regulatory frameworks.

As a Senior Software Engineer on this team, you ll own meaningful pieces of that platform, including Java-based compliance orchestration services, the resilience and observability layer that keeps them running through partial dependency failures, and the operator surfaces that let compliance teams make high-stakes decisions in real time.

strong WHAT YOU’LL DO:

Design and build distributed backend services that orchestrate real-time screening across multiple risk domains, integrating internal Ripple systems with external compliance data providers
Architect for resilience to keep payments flowing even when upstream dependencies degrade
Build the decision and data plane that powers compliance operations: alerting, audit trails, case management workflows, investigator tooling
Own production: define observability, alerting, and incident response
Partner with Compliance, Global Investigations, and Product to translate evolving regulatory requirements into durable engineering primitives
Mentor engineers across the team and contribute to architectural direction as the platform scales across Ripple s product line

strong WHAT YOU LL BRING:

5+ years building production backend systems in Java (or comparable JVM languages, Go, Rust)
Strong API design instincts (REST/gRPC)
Experience with distributed systems patterns
Demonstrated comfort with resilience design
Ability to navigate ambiguity in a regulated environment, turning external requirements (regulator findings, audit obligations, partner asks) into shippable engineering plans
Working knowledge of Kubernetes, observability tooling (Grafana, OpenTelemetry, or similar), and cloud infrastructure (AWS preferred)
Experience in fintech, payments, identity, or compliance technology is a plus, but not required if you bring strong systems instincts

strong WHY THIS ROLE

strong Consequence: your code decides whether real payments clear, in real time, for real customers.
strong Complexity: multi-source coordination, sub-second decisioning, regulator-grade auditability, and resilience across the full compliance surface area.
strong Breadth: our platform touches every Ripple product line.
strong Building, not just maintaining: we re actively designing the next generation of this platform, built to scale across new jurisdictions and product surfaces.
strong Cross-functional weight: you ll work daily with cross functional teams across the company. The job is technical, but the context is significantly wider than the code.

# -DNI

For positions that will be based in CA, the annual salary range for this position is below. Actual salaries may vary based on numerous factors including, among other things, an individual applicant’s experience and qualifications for the position. This range does not include equity or additional compensation, such as bonuses or commissions.

CA Annual Base Salary Range

span $168,000 span span $210,000 USD

strong WHO WE ARE:

span 400; Do Your Best Work

400; span 400; The opportunity to build in a fast-paced start-up environment with experienced industry leaders
400; span 400; 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.
400; span 400; 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.
400; span 400; 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.
400; span 400; Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team
400; span 400; We come together for moments that matter which include team offsites, team bonding activities, happy hours and more!

span 400; Take Control of Your Finances

400; span 400; Competitive salary, bonuses, and equity
400; span 400; Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
400; span 400; Employee giving match
400; span 400; Mobile phone stipend

span 400; Take Care of Yourself

400; span 400; R and R days so you can rest and recharge
400; span 400; Generous wellness reimbursement and weekly onsite and virtual programming
400; span 400; Generous vacation policy - work with your manager to take time off when you need it
400; span 400; Industry-leading parental leave policies. Family planning benefits.
400; span 400; Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

span 400; em Benefits listed above are for full-time employees.

em Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance.

em Please find our a UK/EU Applicant Privacy Notice and our a California Applicant Privacy Notice for reference.