Ripple

Lead a team to build and scale crypto solutions for global financial institutions, fostering collaboration and technical innovation in a start-up environment. | Strong leadership experience in software engineering and ability to manage teams in a dynamic fintech sector. | 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: WHAT YOU’LL DO: WHAT YOU'LL BRING: Other common names for this role: 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.

Manage operational support activities including reconciliation, trade support, and settlement for crypto and fiat products ensuring reliable execution and accurate bookkeeping. | Requires hands-on experience in operations, settlement, reconciliation, real-time system monitoring, and proficiency in SQL and Agentic tools. | 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: We are seeking a dedicated and ambitious Product Operations Analyst to join our dynamic team in New York, USA. This is an outstanding opportunity to be part of an exceptionally innovative company that is redefining the finance industry worldwide. Reporting to the Product Operations Manager, you will play a key role in supporting the growth and scaling of Ripple’s diverse product offerings. You will work closely with important internal teams such as Product, Trading, Risk, Treasury, and Engineering to make execution reliable, fast, and repeatable and to provide seamless support for Ripple’s 24x7 operations. Your responsibilities will include managing all operational support activities, including reconciliation, trade support, exception processing, and funding and settlement. You will also contribute significantly to developing and managing processes, system configurations, and settlement instructions, ensuring full alignment with our risk management framework, policies, and procedures. WHAT YOU’LL DO: Collaborate with Product, Engineering, Trading, and Treasury to ensure timely settlement of crypto and fiat funds across products Reconcile positions and balances for various business operations, including company-issued stablecoins. Understand risks and requirements for different asset types, including cryptocurrencies, to ensure quick responses to market activity and exceptions. Record transactions in systems to maintain accurate bookkeeping entries reflecting product and operational activities within Ripple’s systems of record. Become an expert in finance operational flows by working with key collaborators to detail existing processes. Support a globally distributed customer base for our 24x7 product offerings, including customer activity on weekends and holidays. WHAT YOU'LL BRING: Relevant hands-on experience in operations and settlement, including reconciliation. Proven experience in monitoring venues and systems in real-time to uncover and resolve exceptions, breaks, and blocking issues. Willingness to work a weekend shift pattern as required. Our team operates during agreed business hours in shifts aligned to your region across a global follow-the-sun model. High attention to detail with the ability to problem-solve and remain organised in a dynamic environment. Dedicated with a passion for efficiency and continuous improvement. Experience with implementing off-the-shelf and in-house solutions. Broad understanding of markets and instruments (cleared, OTC, crypto, derivatives). Familiarity with generally accepted accounting principles is an advantage. Experience with SQL and crafting queries for daily operations is a plus. Experience with Agentic tools, ideally Claude or similar 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 $92,000—$110,000 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.

Develop backend services and internal tools to automate financial workflows and collaborate with product teams to automate manual operations. | 2-5 years experience with backend languages like Java, Go, Python, or TypeScript and strong understanding of relational databases and distributed systems. | 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. Are you ready to join a dedicated team that is crafting the future of financial technology? At Ripple Labs Inc., we are on a mission to transform manual financial operations into flawless automated systems. As a Software Engineer on the Financial Core team, you'll play a crucial role in building the essential infrastructure that powers Ripple's global custodian network. THE WORK: We are the Financial Core team, the platform layer supporting Ripple's products. We manage vital infrastructure for money flow, including asset transfers across Ripple's global custodian network that covers fiat rails and crypto custody. Our responsibilities include settlement automation and liquidity management across many accounts and banking partners. The technology stack uses Java/Spring Boot on the backend, React/TypeScript for internal tools, and Postgres. These are deployed on Kubernetes with built-in observability and approval processes. We collaborate closely with Product Ops and Product to transform manual financial tasks into dependable, auditable, and automated systems. WHAT YOU’LL DO: Develop and deploy backend services and internal tools that automate settlement, funding, and liquidity management workflows Work directly with Product Ops and Product to understand manual processes and build software that replaces or accelerates them Contribute across the stack—REST API handlers, database migrations, and React UI components Participate in on-call rotation and maintain production reliability for financial systems that move money in real time Write well-tested, reviewable code and contribute to build discussions with your team and cross-functional partners WHAT YOU'LL BRING: 2-5 years of software engineering experience building and shipping production systems Backend experience in at least one language—Java, Go, Python, or TypeScript; comfort with object-oriented development and production-grade codebases Comfortable contributing across the stack (backend APIs + UI components) Solid grasp of relational databases, REST API development, and basic distributed systems concepts Able to read, navigate, and add to existing codebases—not only new projects Clear communicator with non-engineering partners—operations, finance, and product teams are your collaborators Uses AI tools (Claude, Copilot, Cursor, etc.) actively as a core part of writing, reviewing, and debugging code. These tools are not a novelty but a genuine accelerant Experience with financial systems, payments, or operations automation workflows Familiarity with Spring Boot, Postgres, React Experience crafting or deploying agentic systems—closed-loop automation that runs without a human in the critical path (approval workflows, reconciliation pipelines, event-driven monitoring) 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 $140,000—$170,000 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.

Lead design and development of distributed backend services and drive architectural standards. | Deep backend engineering experience with cloud-native distributed systems, strong API design, and mentoring ability. | 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 Customer Onboarding Platform is where every customer’s journey begins — and it’s about to get a full-scale rebuild. We recently became a horizontal platform team serving all Ripple products. Our next chapter: Unwinding years of Salesforce-bound logic into modern, engineering-owned backend services. Integrating best-in-class vendors like Persona for KYC/KYB, while building the surrounding orchestration, data flows, and service layer. Designing the systems and data model that will make onboarding scalable, observable, and reliable across products. If you’re a Staff-level engineer who thrives on modernizing fragile systems, building robust services around vendor integrations, and driving architecture at company-wide scale, this is your opportunity. Why This Role Matters: Onboarding is where customers form their first impression of Ripple, and where trust is earned. As the technical anchor for a small, high-impact team, you will: Build for impact – Everything you create will serve multiple Ripple products, from Payments to Custody to Stablecoin. Start from zero – Design and build new backend services from the ground up to power onboarding across products. Tackle the hard stuff – Unwind years of technical debt while designing systems built to last. Shape Ripple’s architecture – Partner with Product, Compliance, and Engineering to influence company-wide technical direction. Scale the right way – Mentor engineers and grow a high-performing team, with direct executive backing. This isn’t just about writing code, it’s about designing how Ripple’s onboarding platform will work for years to come. WHAT YOU’LL DO: Lead the design and development of distributed, cloud-native backend services that power onboarding across Ripple’s product suite. Partner with Product, Compliance, and other engineering teams to design scalable orchestration and data pipelines. Migrate core onboarding logic out of Salesforce into resilient, observable services and a dedicated persistence layer. Build platform capabilities that enable faster onboarding with fewer customer touchpoints — while preserving trust and compliance. Contribute to foundational data modeling work that will feed into Ripple’s future identity platform (while ownership of Identity will move to a dedicated team). Champion engineering excellence in code quality, testing, and operational practices. Mentor engineers and help grow a lean, high-impact team. WHAT YOU'LL BRING: Required Deep backend engineering experience in modern, cloud-native, distributed systems. Exposure and willingness to frontend frameworks (React, Vue, etc.) for full-stack capability. Proven track record designing and delivering large-scale systems in complex environments. Strong API design and integration skills (REST and/or gRPC). Experience with cloud platforms (AWS preferred) and container orchestration (Kubernetes, ECS). Comfort navigating and reducing technical debt while delivering business value. Leadership skills: can set technical direction, mentor others, and influence cross-team decisions. Preferred (But Not Required) Experience with our current stack: Java + Spring Boot. We welcome candidates from other backend stacks (Go, Kotlin, C#, Python, Rust, etc.) who can quickly learn JVM technologies. Event-driven architecture (Kafka, SNS/SQS, etc.). Domain knowledge in fintech, regtech, KYC/KYB, identity verification, or compliance-heavy systems. Why You’ll Love Working Here: Impact: The systems you build will be used across all Ripple products, touching every new customer. Technical Challenge: You’ll lead a high-leverage migration and design work that matters. Growth: Opportunity to shape a horizontal platform team from the ground up. Collaboration: Partner with sharp, motivated colleagues across engineering, product, and compliance. If you want to help replace a fragile, business-critical system with a scalable platform that will serve every Ripple customer for years to come, we’d love to talk. Other common names for this role: 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 $212,000—$265,000 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.

Design and develop large-scale distributed payment applications for instant cross-border settlement and collaborate with cross-functional teams managing full software lifecycle. | Bachelor's degree with 5 years experience or Master's with 3 years, including 3 years in distributed systems, Java, SpringBoot, cloud, and database technologies. | 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. On behalf of a provider of digital asset infrastructure for financial institutions, hold senior software development responsibilities and both independently and in collaboration with team members design and develop large scale distributed systems. Build enterprise, distributed payment applications that execute settlement within seconds to enable the Internet of Value. Participate in the full software development lifecycle, from software design and requirements gathering to unit and integration testing. Build next generation payment applications that enable banks to instantly settle cross-border payments to create the Internet of Value based on Ripple’s distributed financial technology by driving down costs, increasing processing speeds and delivering end-to-end visibility into payment fees, timing and delivery. Collaborate with software engineers to build scalable and performant enterprise software based on deep understanding of Java and its ecosystem. Work with teams across the organization, including product, legal, and business development to gather requirements and think beyond the technical implications of design decisions. Build scalable and performant enterprise software and end-to-end software solutions. Perform test-driven development with high code coverage. Deploy and manage a continuous integration pipeline. 40 hrs/week, Mon-Fri, 8:30 a.m. - 5:30 p.m. MINIMUM REQUIREMENTS: Must have a Bachelor’s degree in Computer Science or a related field plus 5 years of progressive, post-baccalaureate software development experience. In the alternative, Employer will accept a Master’s Degree in Computer Science or a related field and at least 3 years of software development experience. Must have at least three (3) years of experience working as a developer on large-scaled distributed systems. Must have at least (3) three years of experience in each of the following required skills (which may be gained concurrently): Java and SpringBoot applications; HTTP technologies; Building and Testing Infrastructure; Deployment automation; Cloud tools (AWS or GCP) and cloud-based architectures; Working with data warehouse architecture and integration; SQL, and NoSQL databases (PostgreSQL, Oracle, Teradata, Hadoop); CI/CD tools including Jenkins, Gitlab, and Bambo; and At least one of the following API/UI Test Tools and frameworks: Postman, SoapUI, REST-assured, or Selenium. Telecommuting permitted up to 50% per week within same geographic location as assigned office location. #LI-DNI 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 $193,461—$193,661 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.

Manage AI platform roadmap, collaborate with product teams, hire and mentor engineers, contribute to architecture and production code. | 7+ years software engineering, 2+ years engineering management, experience with AI/ML infrastructure and LLM/GenAI systems. | 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. Join Ripple Labs Inc. as the Manager, AI Platform Engineering in Chicago, IL, and spearhead our bold venture in AI platform development! This remarkable opportunity enables you to craft the future of our AI platform, GSmart, powering smart features across our enterprise treasury products. You will be involved in greenfield projects, bringing insight and focus to undefined problems. You will also work hand-in-hand with product and solution teams to convert customer challenges into fluid technical solutions. Responsibilities Own the AI platform roadmap and delivery end to end Ensure platform AI is measurable and dependable Work together with product and solution teams to address real customer challenges Enable teams to build on the platform and own their deliverables Hire, mentor, and grow the platform ai engineering team Stay actively involved and contribute to architecture and full-stack production code Requirements 7+ years of software engineering experience, including full-stack development and AI/ML platform infrastructure 2+ years of engineering management experience Strong full-stack development skills — front-end through back-end and APIs — with solid cloud infrastructure experience Experience operating AI systems in production Deep, current command of AI and modern LLM/GenAI infrastructure Join us and play a role in advancing the future growth of AI platform engineering at Ripple Labs Inc.! 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.