软件工程师，欺诈与身份
Software Engineer, Fraud & Identity
关于Ramp
Ramp正在构建金融团队的智能基础设施，嵌入每笔企业支出的交易流程中。我们自动化处理超过2000亿美元的年度支出在70,000多家公司中的流动：授权付款、标记风险、分类支出以及结账。
这些问题高风险、数据密集且不容错误。
我们招聘具有高度自主性和紧迫感的人才。我们更看重的是你所构建的东西，而不是你在哪里接受的训练。在Ramp，每个人都是从头到尾负责问题的建造者，并做出影响结果的重要决策。
Ramp的平均客户在第一年节省了5%，营收增长了16%——远超没有使用Ramp的企业。我们认为每家有抱负的公司都值得拥有同样的工具。
如果你希望构建直接塑造公司如何移动和管理数十亿美元的系统，Ramp就是你的选择。
职位描述
我们正在招聘一名软件工程师，负责构建欺诈、UIM（用户与身份管理）和身份相关的系统。该职位位于安全、风险决策和产品体验的交汇点。你将帮助构建欺诈和账户接管的检测和执行能力，以及支持认证、授权和安全账户访问的身份基础功能。
这项工作高度跨职能。你将与欺诈运营、风险策略、安全、产品和数据团队紧密合作，交付可衡量的改进，包括损失减少、攻击遏制和用户体验提升。
你将负责：
- 构建和演进后端服务，以在多个界面（包括账户访问和资金流动）上检测和防止欺诈。
- 开发执行和响应工具，使快速、安全的操作（如身份锁定、业务锁定、支付冻结和其他遏制手段）成为可能。
- 提升对账户接管（ATO）的防护，包括基于风险的升级措施、监控和有针对性的摩擦控制（例如“正在遭受攻击”类的控制和多因素认证激增检测/警报）。
- 设计并运行高信号系统，具备强大的可观测性：指标、仪表盘、警报和事件及欺诈活动的应急方案。
- 与UIM/身份相关利益方合作，加强认证和身份基础（角色、权限、身份状态及相关平台基础功能）。
- 推动全流程交付：技术设计、实现、部署计划
查看英文原文
ABOUT RAMP
Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.
The problems are high-stakes, data-dense, and unforgiving.
We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.
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 AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL)
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
UNITED STATES
- 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
- One Medical annual membership
- 401(k), including employer match on contributions made while employed by Ramp
- Fertility HRA (up to $10,000 per year)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
- Pet insurance
- In-office perks: lunch, snacks, drinks, and more
- Relocation expense coverage to NYC or SF (if needed)
CANADA
- Group medical, dental, and vision coverage through Sun Life
- Life, AD&D, and disability coverage
- Fertility drug coverage (up to $4,000 lifetime)
- Group Retirement Plan with employer match (RRSP + DPSP)
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
- Employee Assistance Program and virtual care through Lumino Health
UNITED KINGDOM
- Private medical insurance through Freedom Elite
- Virtual GP and at-home care via eMed x Livi
- Workplace pension through Penfold, with salary sacrifice option
- Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay
REFERRAL INSTRUCTIONS
If you are being referred for the role, please contact that person to apply on your behalf.
OTHER NOTICES
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice