Software Engineer II

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 environm