3+ years of software engineering experience (or equivalent)
Strong backend engineering fundamentals including APIs, distributed systems, and data modeling
Experience with data-informed detection or decisioning systems, or a keen interest in learning this domain
Proven ability to operate production systems including debugging and incident response
Strong cross-functional communication skills with product and operations partners
Responsibilities
Build and enhance backend services for fraud detection and prevention
Develop tools for quick, safe actions like identity locks and payment freezes
Improve account takeover protections with risk-based interventions and monitoring
Design systems with strong observability for metrics and fraud incident management
Collaborate with identity stakeholders to strengthen authentication foundations
Drive technical delivery from design to rollout and iteration based on metrics
Benefits
100% medical, dental, and vision insurance coverage for employees
401k with employer match
Flexible paid time off (PTO)
Fertility health reimbursement account (HRA) up to $10,000 per year
Parental leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering
Health and wellness stipend
In-office perks including lunch and snacks
Budget for intra-office travel
Relocation support to NYC or SF if needed
Full Job Description
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.
