# Software Engineer, Fraud & Identity

**Company:** [Ramp](https://hotfix.jobs/companies/ramp)
**Location:** New York, NY
**Role:** Backend Engineering
**Salary:** $168k – $285k/yr
**Experience:** 3+ years
**Skills:** APIs, Distributed Systems, Data Modeling, Rules Engines, Anomaly Detection, Observability, Metrics, Dashboards, Alerting, Authentication, Authorization, MFA, Backend, Payments Rails, Incident Response
**Posted:** 2026-03-27

> Build backend services for fraud detection, identity management, and account takeover prevention. Partner cross-functionally to deliver high-impact systems with strong observability, requiring 3+ years backend experience and data-informed decisioning skills.

## Job Description

## 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).

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