Software Engineer II

AI in this role

claudecopilotcursor

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.

How we rate this

Software Engineer II at Ripple rates 28 out of 100 for how much of the daily work is AI. That makes it Little AI (AI Level 1 of 4). The level is about AI in the job, not seniority.

Classification

Little AI. AI is not part of the work.

●●●● Builds AI80 to 100
●●●○ Works on AI60 to 79
●●○○ Uses AI40 to 59
●○○○ Little AI0 to 39

Levels come from how often the tools, models and workflows of the role are named in the posting itself. Open the description and count.

Prepare for this job

A free preview built only from this posting: what it asks for, what you could be asked in an interview, and how to adjust your resume.

Skills and AI tools this role asks for

ClaudeCopilotCursor

Questions you could be asked

What's a project where you used Claude hands-on?
Walk me through how you've used Copilot in your day-to-day work.
What are the limits of Cursor that you've run into, and how did you work around them?

Adapt your resume

List these exact terms on your resume: Claude, Copilot, and Cursor. An applicant tracking system matches the wording, not the idea.
Attach one line of real, concrete experience to at least one of them — a tool named with nothing behind it rarely survives a human read.

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