Software Engineer, Fraud & Identity
Role Overview
This mid-level software engineering role focuses on building backend systems for fraud detection, identity management, and security at Ramp. The engineer will develop services to prevent fraud and account takeover, create enforcement tooling, and improve authentication systems, working cross-functionally with teams like Fraud Ops and Product. The impact includes measurable loss reduction and enhanced user safety through data-driven decisioning and high-signal observability.
Perks & Benefits
The role is fully remote with benefits including 100% medical, dental, and vision insurance for employees, flexible PTO, 401k with employer match, and a home-office equipment stipend. It offers a collaborative, builder-oriented culture with cross-functional teams, emphasizing ownership and impact, though time zone expectations are not specified but likely flexible for remote work.
Full Job Description
About Ramp
Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $100B in annualized spend flows in and out of 50,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.
The problems are high-stakes, data-dense, and unforgiving.
We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.
About the Role
We are hiring a Software Engineer to build systems across Fraud, UIM (User & Identity Management), and Identity. This role sits at the intersection of security, risk decisioning, and product experience. You will help build detection and enforcement capabilities for fraud and account takeover, as well as the identity primitives that power authentication, authorization, and safe account access.
This work is deeply cross-functional. You will partner closely with Fraud Ops, Risk Strategy, Security, Product, and Data to ship improvements that are measurable in loss reduction, attack containment, and user experience.
What You’ll Do
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.
What You’ll Need
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.
Nice to Have
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 (for U.S.-based full-time employees)
100% medical, dental & vision insurance coverage for you
Partially covered for your dependents
One Medical annual membership
401k (including employer match on contributions made while employed by Ramp)
Flexible PTO
Fertility HRA (up to $10,000 per year)
Parental Leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering for all employees
Health and Wellness stipend
In-office perks: lunch, snacks, drinks, and more
Budget for intra-office travel
Relocation support to NYC or SF (as needed)
Referral Instructions
If you are being referred for the role, please contact that person to apply on your behalf.
Other notices
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice
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