Senior Engineer, Backend, Bill Pay

Location: New York, NY (HQ) Workplace: Hybrid 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 $275B in annualized spend flows in and out of 85,000+ 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 7.5% 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 Paying vendors is one of the most manual, error-prone jobs in finance. Invoices arrive by email and PDF, get keyed in by hand, wait on approvals, and then have to be paid on time, by the right method, for the right amount, and recorded correctly in the books. A single mistake can mean a late fee, a duplicate payment, or an unhappy vendor. Ramp's Bill Pay team builds the accounts payable system that automates that work end to end: bill intake and parsing, approvals, payment execution by ACH, check, card, and international transfer, vendor credits, and sync to customers' accounting systems. Bill Pay is one of Ramp's fastest-growing products, and businesses rely on it every day to move large amounts of money. We're looking for a senior backend engineer to own a core part of that system. You'll take responsibility for an area such as payment execution, bill intake and AI-powered extraction, approvals, or accounting sync, set its technical direction within the team, and keep it correct and reliable as volume grows. You'll work closely with product, design, and payments partners to make accounts payable faster and more trustworthy for finance teams. WHAT YOU'LL DO - Own the design and evolution of a core Bill Pay system, such as payment execution, bill intake, approvals, or accounting sync, from technical design through launch, monitoring, and iteration - Build payment workflows that move money correctly across ACH, check, card, and international rails, with strong safeguards against duplicate, late, or incorrect payments - Build AI-powered AP automation, including invoice extraction, auto-coding, and agents that reduce manual review for finance teams - Design data models that keep every bill, approval, payment, and credit accurate and traceable through to the general ledger - Build reliable integrations with ERPs and accounting systems that stay consistent through retries, partial failures, and edits on either side - Improve the reliability, performance, and observability of Bill Pay systems as customers process larger payment volumes - Drive technical direction for your area and raise the engineering bar through design reviews, code reviews, and mentorship WHAT YOU'LL NEED - Experience designing, building, and operating production backend systems, including APIs, data models, and asynchronous workflows - A track record of owning a system or product area end to end and shaping its technical direction over time - Strong system design judgment, especially around correctness, idempotency, and reliability in systems where mistakes have real financial impact - Product sense: you care about the customer problem, not just the ticket, and you balance speed with quality - Clear communication and a collaborative approach to technical decisions across product, design, and engineering NICE TO HAVES - Experience with accounts payable, payments, money movement, or other financial systems - Experience building integrations with ERPs or accounting systems, such as NetSuite or QuickBooks - Experience applying LLMs, OCR, or other automation to document processing or financial workflows - Experience scaling high-volume, event-driven systems 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