Staff Software Engineer, Liquidity Management

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. Job Requisition Profile The mission, should you choose to accept it, is to pioneer and scale Ripple Treasury’s core platform into the future. Do you want to work with a small, hardworking, and awesome development team, whom you will help to catch a whale on a fishing line and feed the village? If you enjoy solving complex business problems in a fast-paced, collaborative, and iterative environment this might be the right role for you! At Ripple Treasury, you’ll be a part of makers, breakers, doers, and disruptors, who love to solve real problems and meet real customer needs. As an established FinTech leader in the SaaS treasury management space, our vision is to create the next-generation of technology tools for the global, corporate financial office. 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 magic happen. About the Liquidity Management Team The Liquidity Management team builds and maintains the core platform capabilities that give treasury professionals real-time visibility into their organization's cash and liquidity positions across banks, accounts, currencies, and legal entities worldwide. Our solutions help enterprise customers optimize how they fund operations, manage intercompany liquidity structures, and deploy idle cash. The team works at the intersection of complex financial workflows and modern software engineering, delivering scalable, reliable systems that process critical financial data for customers operating across 40+ countries. The Vision The Liquidity Management team is at the forefront of a major modernization initiative, reimagining how enterprise treasury teams manage liquidity across a global landscape. We're not just maintaining what exists — we're rebuilding from the ground up with a bold vision: a modern, intuitive user experience with fast, streamlined workflows that make complex treasury operations feel effortless; a cloud-native architecture built on the latest technologies, designed for scalability, resilience, and speed; and first-class support for both traditional fiat currencies and digital assets, positioning Ripple Treasury at the leading edge of where treasury is headed. This is a rare opportunity to shape the future of a platform that processes over $100 billion in daily cash flow for enterprise customers across 40+ countries. You'll be leading a team that's tackling genuinely hard problems — real-time visibility across banks, accounts, currencies, and legal entities; cash concentration and pooling strategies; intercompany lending workflows — all while making the transition from legacy systems to a modern, cloud-native stack. If you're energized by greenfield opportunities within a domain that actually matters, this is it. 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 best practices 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 Cross-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 Maximize 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 cross 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) and orchestration (Kubernetes) • Understanding of infrastructure as code and CI/CD pipeline design • Knowledge of observability: logging, metrics, tracing, and alerting strategies • Experience with microservices deployment patterns and service mesh concepts 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 C#/.NET • Expert in relational databases (SQL Server ideally), 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 (e.g. MT940, BAI2) • 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) For positions that will be based in NY, 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. NY Annual Base Salary Range $196,000—$245,000 USD 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 • Compe…