Senior Software Engineer, Backend-Financial AI Product

Ripplings Financial Product team builds the systems that power some of the most critical financial workflows for modern businesses including payroll payments reconciliation compliance and operational finance.

These products sit at the intersection of money movement employee trust customer operations and regulatory complexity. The work is high stakes: financial systems must be accurate reliable auditable and resilient even as they handle messy real-world data and complex business rules across customers countries and use cases.

We are using AI to make these workflows dramatically simpler. That means building systems that can interpret inconsistent data automate manual review surface exceptions explain outcomes and accelerate implementation while preserving the deterministic controls financial products require. The goal is not AI for its own sake; it is practical production-grade AI that helps customers run financial workflows with more speed confidence and accuracy.

As a Senior Software Engineer on this team you will help define how AI becomes a core part of financial product and infrastructure at Rippling.

• Build AI-powered product capabilities for complex financial workflows such as onboarding data ingestion reconciliation validation exception handling and operational review.
• Design systems that combine model-driven reasoning with deterministic financial execution.
• Build workflows that trace financial values back to source evidence surface unresolved gaps and prevent downstream execution when validation fails.
• Create ingestion and normalization systems that can handle messy exports historical records customer-provided files and inconsistent provider formats.
• Develop evals testing harnesses observability and feedback loops to measure AI quality in workflows where almost always right is not good enough.
• Partner closely with product design operations compliance and platform teams to identify high-impact AI opportunities and turn them into reliable product capabilities.
• Work through ambiguous product areas prototype quickly and scale successful solutions into reusable product and platform primitives.
• Help set the engineering bar for correctness auditability security reliability and production safety in AI-enabled and new AI native financial products.

• Strong software engineering fundamentals and experience building production systems at meaningful scale.
• Experience designing backend systems data models APIs workflows or platform infrastructure for complex business domains.
• Strong judgment around reliability correctness edge cases and operational risk.
• Interest in applied AI LLMs agents evals retrieval structured extraction or AI-assisted workflows.
• Ability to reason clearly about where AI should be used where deterministic systems should take over and how to build guardrails around model-driven workflows.
• Product sense and comfort operating in ambiguous problem spaces where the right answer is not obvious upfront.
• Ability to partner with product managers domain experts operations teams and engineers to turn messy real-world workflows into simple scalable software.
• A high-ownership mindset: you can take a problem from vague customer pain through architecture implementation rollout measurement and iteration.

Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race religion color national origin ancestry physical disability mental disability medical condition genetic information marital status sex gender gender identity gender expression age sexual orientation veteran or military status or any other legally protected characteristics Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation please email

Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office) Rippling considers working in the office at least three days a week under current policy to be an essential function of the employees role.

This role will receive a competitive salary benefits equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here.

A variety of factors are considered when determining someones compensationincluding a candidates professional background experience and location. Final offer amounts may vary from the amounts listed below.