Staff Software Engineer, Liquidity Management
Ripple provides crypto and blockchain solutions for enterprises, enabling global financial entities to move, manage, and tokenize value. They focus on improving existing financial systems through partnerships and regulatory compliance, with products used in over 50 countries.
About Ripple
Ripple is an enterprise blockchain and crypto solutions company that aims to enable the world to move value as seamlessly as information moves today. Their mission is to build breakthrough crypto solutions for a world without economic borders. Using blockchain technology, Ripple facilitates global financial institutions, businesses, governments, and developers to move, manage, and tokenize value, thereby unlocking greater economic opportunity. The company works within existing financial systems to improve them, partnering with customers to streamline infrastructure and collaborating with regulators to ensure solutions are secure and compliant. Ripple's products are in commercial use by hundreds of customers across more than 50 countries, helping them expand into new markets, access liquidity solutions, and generate crypto-enabled revenue streams. They also support developers by providing tools for building on the XRP Ledger, a fast and sustainable public blockchain. Ripple’s payments, custody and stablecoin solutions empower financial institutions to integrate blockchain and digital assets into their business in a simple, secure, compliant way—all in one place. From instant payments to asset tokenization, blockchain and crypto are happening right now, across the world. It’s happening to suppliers, to retailers, to exchanges, to currencies, to sectors, to industries, to markets, and to global businesses. And it’s happening with Ripple.
Skills
About the Role
You will pioneer and scale Ripple Treasury's core liquidity management platform, working alongside a small, hardworking team to rebuild treasury software from the ground up. You'll drive architectural decisions, establish technical standards, and lead design reviews that elevate the team's engineering practices. You'll mentor mid-level and senior engineers, break down ambiguous problems into actionable work, and champion best practices around observability, incident response, and production excellence. You'll partner with Product and Customer Success teams, collaborate across distributed teams in Ireland, the U.S., the Philippines, and Australia, and help shape the product roadmap. You'll build API integrations with major ERPs and banking systems, develop machine learning models that predict cash flows and detect anomalies, design flexible worksheet engines for cash flow modeling, optimize performance for billions of dollars in daily transactions, and create dashboards and alerting systems for covenant compliance and variance monitoring. You'll own critical systems end-to-end, take responsibility for production reliability, and make tough technical trade-off decisions while communicating your reasoning clearly.
Requirements
- 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
- 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 implemented by teams of 3+ engineers
- Made architectural decisions with lasting impact on system capabilities
- Mentored 2+ engineers to help them level up technically
- Established technical patterns adopted across the team
- Led technical spikes to evaluate new technologies or approaches
- 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
- Deep understanding of distributed systems patterns, event 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
- 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
- Understanding of financial concepts: cash positioning, forecasting, liquidity management (preferred)
- Knowledge of banking systems, payment rails, and financial data formats such as MT940, BAI2 (preferred)
- Understanding of multi-currency handling, exchange rates, and date/time complexities across time zones (preferred)
- Awareness of financial compliance and regulatory requirements (SOC 2, data privacy) (preferred)
- Experience integrating with third-party financial systems such as banks, ERPs, payment processors (preferred)
Responsibilities
- Drive architectural decisions for the platform balancing scalability maintainability and rapid deployment goals
- Establish technical standards and design patterns that enable faster shipping with fewer defects
- Lead technical design reviews and provide constructive feedback
- Identify and eliminate technical debt strategically
- Mentor mid-level and senior engineers to help them grow into technical leadership roles
- Break down complex ambiguous problems into actionable work
- Establish coding standards review practices and testing strategies
- Champion engineering best practices including observability incident response and production excellence
- Partner with Product and Customer Success teams to translate business requirements into technical solutions
- Collaborate across distributed teams in Ireland the U.S. the Philippines and Australia
- Influence product roadmap by identifying technical opportunities
- Identify and eliminate bottlenecks in the development lifecycle
- Improve CI/CD pipelines testing infrastructure and deployment processes
- Lead post-mortems and blameless retrospectives
- Anticipate future scalability challenges before they become blockers
- Evaluate emerging technologies and recommend adoption
- Own critical systems end-to-end from design through production support
- Take responsibility for production reliability and proactively prevent incidents
- Build and maintain API integrations with major ERPs and banking systems
- Develop and optimize machine learning models for cash flow prediction and forecasting algorithm selection
- Build automated variance analysis systems comparing actuals vs forecasts
- Create pattern recognition algorithms to identify anomalies seasonal trends and payment behaviors
- Design and implement flexible worksheet engines for cash flow models
- 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 supporting a 90-day rapid implementation model
- Create interactive dashboards and visualization components for cash position insights
- Build automated notification systems for covenant compliance monitoring and variance alerts
Benefits
- Professional development budget
- Competitive salary, bonuses, and equity
- Competitive benefits covering physical and mental healthcare, retirement, family forming, and family support
- Employee giving match
- Mobile phone stipend
- R&R days
- Generous wellness reimbursement and weekly onsite & virtual programming
- Generous vacation policy
- Industry-leading parental leave policies and family planning benefits
- Catered lunches, fully-stocked kitchens with premium snacks/beverages
- Team offsites, team bonding activities, and happy hours