Staff Software Engineer, Cash Forecasting

As a Staff Software Engineer on Ripple Treasury's Cash Forecasting team, you pioneer and scale a core platform that helps CFOs and treasury teams move beyond spreadsheets to achieve real-time cash visibility and predictive accuracy. You join a small, hardworking development team building AI-amplified treasury solutions that manage over $100 billion in daily cash flow for enterprise customers across 40+ countries, integrating with major ERPs and banking systems while leveraging proprietary GSmart AI technology.

What you'll do

• Drive architectural decisions for the platform, balancing scalability, maintainability, and rapid deployment goals
• Establish technical standards and design patterns that enable the team to ship features faster with fewer defects
• Lead technical design reviews and provide constructive feedback that elevates the team's architectural thinking
• Identify and eliminate technical debt strategically, creating roadmaps that improve both developer velocity and system reliability
• Mentor mid-level and senior engineers, helping them grow into technical leadership roles
• Break down complex, ambiguous problems into actionable work that distributes effectively across the team
• Establish coding standards, review practices, and testing strategies that improve overall code quality
• Champion engineering best practices including observability, incident response, and production excellence
• Share your enthusiasm for tech trends, explore and learn new technologies, engage with tech communities, and lead in technical design and code evaluations
• Partner with Product and Customer Success teams to translate business requirements into scalable technical solutions
• Collaborate across distributed teams in Ireland, the U.S., Philippines, and Australia to drive alignment on technical approaches
• Influence product roadmap by identifying technical opportunities that create competitive advantages
• Bridge the gap between technical implementation and business value, helping the team prioritize high-impact work
• Identify and eliminate bottlenecks in the development lifecycle that slow down the entire team
• Improve CI/CD pipelines, testing infrastructure, and deployment processes to increase velocity
• Drive adoption of modern engineering practices that improve developer experience and productivity
• Lead post-mortems and blameless retrospectives that turn incidents into learning opportunities
• Anticipate future scalability challenges before they become blockers, such as handling 10x growth in transaction volume
• Evaluate emerging technologies and recommend when and how to adopt them, such as new ML frameworks or database technologies
• Design systems that support 90-day implementation timelines while maintaining enterprise-grade quality
• Balance technical excellence with pragmatic delivery, knowing when "good enough now" beats "perfect later"
• Own critical systems end-to-end, from design through production support
• Take responsibility for production reliability and proactively prevent incidents
• Step into ambiguous situations and drive them to resolution without needing explicit direction
• Lead by example in code quality, documentation, and operational excellence
• Make tough technical trade-off decisions and clearly communicate the reasoning
• Build and maintain API integrations with major ERPs such as SAP, Oracle, and Workday, and banking systems to automatically pull transactional data
• Develop and optimize machine learning models for the GSmart AI engine that predicts cash flows and automatically selects optimal forecasting algorithms
• Build automated variance analysis systems that compare actuals versus forecasts and generate actionable insights
• Create pattern recognition algorithms to identify anomalies, seasonal trends, and customer payment behaviors
• Design and implement flexible worksheet engines that allow users to customize cash flow models, categories, and reporting calendars
• Optimize data processing for handling billions of dollars in daily transactions
• Build caching and aggregation strategies for real-time dashboard performance
• Design distributed systems architecture to support a 90-day rapid implementation model
• Create interactive dashboards and visualization components for cash position insights
• Build automated notification systems for covenant compliance monitoring and unusual variance alerts

What you bring

• 8+ years of professional software engineering experience
• 3+ years working on complex, business-critical systems in production
• Experience working on products with significant scale
• Strong communication skills with experience working on cross-functional projects
• A track record of delivering projects that span multiple quarters and require coordination across teams
• Ownership and evolution of significant portions of a production system end-to-end
• Experience being on-call for production systems and handling critical incidents
• Experience leading technical designs that were implemented by teams of 3+ engineers
• Experience making architectural decisions that had lasting impact on system capabilities
• Mentoring of 2+ engineers to help them level up technically
• A track record of establishing technical patterns that were adopted across teams
• Experience leading technical spikes to evaluate new technologies or approaches
• Proficiency with at least one major cloud platform (AWS, Azure, or GCP)
• Experience with containerization (Docker) and orchestration (Kubernetes)
• Understanding of infrastructure as code and CI/CD pipeline design
• Knowledge of observability: logging, metrics, tracing, and alerting strategies
• Experience with microservices deployment patterns and service mesh concepts
• Deep understanding of distributed systems patterns, event-driven architectures, and message queues
• Knowledge of multi-tenancy architecture and data isolation strategies
• Knowledge of role-based access control (RBAC) and authorization patterns
• Understanding of audit logging and compliance requirements for financial systems
• Knowledge of API versioning and backward compatibility strategies
• Knowledge of feature flagging and progressive rollout techniques
• Deep expertise with Ruby on Rails
• Expert-level knowledge of RDBMS (ideally PostgreSQL), including query optimization, indexing strategies, and data modeling
• Deep experience building large-scale multi-tenant applications
• Experience building and maintaining RESTful APIs and understanding when to use alternative patterns such as GraphQL, gRPC, or webhooks
• Deep knowledge of building applications using React, TypeScript, JavaScript, and related technologies

Nice to have

• Understanding of financial concepts: cash positioning, forecasting, and liquidity management
• Knowledge of banking systems, payment rails, and financial data formats (MT940, BAI2, SWIFT)
• Understanding of multi-currency handling, exchange rates, and date/time complexities across time zones
• Awareness of financial compliance and regulatory requirements (SOC 2, data privacy)
• Experience integrating with third-party financial systems such as banks, ERPs, and payment processors

What we offer

• Competitive salary, bonuses, and equity
• Competitive benefits covering physical and mental healthcare, retirement, family forming, and family support
• Employee giving match
• Mobile phone stipend
• Rest and recharge days so you can rest and recharge
• Generous wellness reimbursement and weekly onsite and virtual programming
• Generous vacation policy with flexibility to work with your manager on time off
• Industry-leading parental leave policies and family planning benefits
• Catered lunches, fully-stocked kitchens with premium snacks and beverages, and plenty of fun events
• Professional development budget to support learning
• In-office collaboration flexibility with managers and teams deciding which 10+ days a month they come in
• Bi-weekly all-company meetings with business updates and ask-me-anything discussions with leadership
• Team offsites, team bonding activities, and happy hours

About Ripple

Ripple is building a world where value moves like information does today through crypto solutions for financial institutions, businesses, governments, and developers. Ripple Treasury is an established FinTech leader in the SaaS treasury management space, creating next-generation technology tools for the global corporate financial office.