Senior Software Engineer, Identity & Trust

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. THE WORK: At Ripple, The Identity & Trust Platform is proposed as the foundation to enable the "One Ripple" vision. Its goal is to solve identity problems across all products and acquisitions by establishing a single system of record for customers, users and their identities. This platform will decouple operational identity from legacy systems, unify compliance and verification context (such as shared KYB readiness), and define a shared entitlements layer for consistent product access. We are looking for a Senior Software Engineer who is passionate about tackling complex, foundational problems and driven to design and implement robust, scalable features that contribute to the unified customer experience for all of Ripple's current and future products. WHAT YOU’LL DO: Design and develop distributed, cloud-native backend services that power key features within the Identity and Trust Platform. Define and implement the foundational data model and APIs that serve as the single system of record for customers, entities, and users within your area of ownership. Drive the strategic implementation of identity and customer lifecycle logic migrated out of legacy systems into resilient, observable, and Identity Platform-first services. Implement the core platform capabilities, including components of the unified entitlements layer and shared compliance context. Partner with Product, Compliance, and other engineering teams to champion standard integration patterns and contracts for the platform. Champion engineering excellence in architecture, code quality, testing, and operational practices. Serve as a mentor to help grow junior members of the foundational platform team. WHAT YOU'LL BRING: 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. Domain knowledge in fintech, regtech, KYC/KYB, identity verification, or compliance-heavy systems. 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 $168,000 — $210,000 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 Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support Employee giving match Mobile phone stipend Take Care of Yourself R&R days so you can rest and recharge Generous wellness reimbursement and weekly onsite & virtual programming Generous vacation policy - work with your manager to take time off when you need it Industry-leading parental leave policies. Family planning benefits. Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events Benefits listed above are for full-time employees. 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. Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.

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