Senior Software Engineer, Identity & Trust

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 Identity & Trust Platform is proposed as the foundation to enable the "One Ripple" vision. Its goal is to solve identity problems across all products and acquisitions by establishing a single system of record for customers, users and their identities. This platform will decouple operational identity from legacy systems, unify compliance and verification context (such as shared KYB readiness), and define a shared entitlements layer for consistent product access. We are looking for a Senior Software Engineer who is passionate about tackling complex, foundational problems and driven to design and implement robust, scalable features that contribute to the unified customer experience for all of Ripple's current and future products. WHAT YOU’LL DO: Design and develop distributed, cloud-native backend services that power key features within the Identity and Trust Platform. Define and implement the foundational data model and APIs that serve as the single system of record for customers, entities, and users within your area of ownership. Drive the strategic implementation of identity and customer lifecycle logic migrated out of legacy systems into resilient, observable, and Identity Platform-first services. Implement the core platform capabilities, including components of the unified entitlements layer and shared compliance context. Partner with Product, Compliance, and other engineering teams to champion standard integration patterns and contracts for the platform. Champion engineering excellence in architecture, code quality, testing, and operational practices. Serve as a mentor to help grow junior members of the foundational platform team. WHAT YOU'LL BRING: 5+ years experience in Software Engineering, with a deep focus on backend systems. Deep, hands-on backend engineering experience building and operating modern, cloud-native, and highly-available distributed systems. Proven track record designing and delivering complex features within large-scale systems in complex, regulated environments. Strong skills in API design and integration (e.g., REST and/or gRPC), with a focus on defining clear, reusable service contracts. Experience with cloud platforms (AWS preferred) and container orchestration (Kubernetes, ECS). Ability to tactically navigate and reduce technical debt while driving significant business value and managing feature-level migration efforts. Strong technical ownership skills: demonstrated ability to own the technical delivery for complex features and influence local, cross-team decisions. Preferred (But Not Required): Experience with our current stack: Java + Spring Boot. We welcome candidates from other robust backend stacks (Go, Kotlin, C#, Python, Rust, etc.) who can quickly learn JVM technologies. Experience with event-driven architecture (Kafka, SNS/SQS, etc.), essential for building a decoupled and resilient platform. Domain knowledge in fintech, regtech, KYC/KYB, identity verification, or compliance-heavy systems. 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 $168,000 — $