R

Ripple

Enterprise blockchain payments and CBDC solutions

Product Operations Specialist

Full-TimeUpdated on 10/23/2026
No salary listed
Mid
Singapore
In PersonIn-office collaboration; teams decide which 10+ days per month they come in.
Finance & BankingTreasury

About the job

Requirements
  • Be willing to work a weekend or holiday shift pattern as required, with shifts aligned to regional business hours in a global follow-the-sun model.
  • Have relevant hands-on experience in operations, clearing, and settlement, including reconciliation.
  • Have proven experience monitoring venues and systems in real time to uncover and resolve exceptions, breaks, and blocking issues.
  • Have a strong understanding of accounting principles, including debits and credits and balance sheet reconciliation; this is preferred.
  • Show curiosity and initiative in identifying manual processes that can be automated or streamlined.
  • Have high attention to detail and the ability to problem-solve and remain organized in a dynamic environment.
  • Have experience implementing off-the-shelf and in-house solutions.
  • Have a broad understanding of markets and instruments, including cleared, over-the-counter, crypto, and derivatives.
  • Experience with SQL and crafting queries for daily operations is a plus.
Responsibilities
  • Collaborate with Finance and Operations teams and external customers to ensure timely settlement of crypto and fiat funds.
  • Reconcile positions and balances for various business operations, including company-issued stablecoin.
  • Monitor intraday trading and settlement activity in close partnership with the Ripple Trading and Markets team.
  • Understand risks and requirements for different asset types, including cryptocurrencies, to respond quickly to market activity and exceptions.
  • Record transactions in systems to maintain accurate bookkeeping entries reflecting product and operational activities within Ripple's systems of record.
  • Work with key collaborators to document existing processes and develop expertise in finance operational flows.
  • Identify manual processes that can be automated or streamlined and contribute to continuous improvement initiatives.
  • Manage operational support activities, including reconciliation, trade support, exception processing, funding, and settlement.
  • Develop and manage processes, system configurations, and settlement instructions in alignment with the risk management framework, policies, and procedures.
Desired Qualifications
  • Understanding of accounting principles, including debits and credits and balance sheet reconciliation.
  • Experience with SQL and crafting queries for daily operations.

About the company

What Ripple does: Ripple provides enterprise blockchain-enabled financial services that speed up payments and improve cash management. How it works: its platform, built on blockchain and cryptocurrency, enables real-time settlement, liquidity management, working-capital access, and instant payments for financial institutions, enterprises, and governments, including the ability to source crypto assets and manage treasury via a single platform. How it differs: it focuses on scalable, secure CBDC implementations and government partnerships (e.g., Palau) to deliver central-bank-grade digital currencies, alongside proven faster remittances and lower costs from clients like Nium and Tranglo. Its goal: help clients move money faster, more transparently, and at lower cost, while expanding access to digital currencies and CBDCs.

Company Size

1,001-5,000

Company Stage

Debt Financing

Total Funding

$1.1B

Headquarters

San Francisco, California

Founded

2012

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Simplify's Take

What believers are saying

  • Sept. 2026 partnerships with CSD BR and Absa expand Ripple into securities and custody.
  • Ripple's Seoul roadmap targets 2027 XRP credit using lending pools and payments collateral.
  • Brazil's BRL 22 trillion market and BTG Pactual pilot create immediate institutional distribution.

What critics are saying

  • The SEC case ended, but Ripple still owes a $125 million penalty and sales limits.
  • XRPL tokenization stays permissioned, so banks can exit if compliance or privacy breaks.
  • Ripple's business still depends on XRP narratives; weak ETF flows or adoption kill demand.

What makes Ripple unique

  • Sep. 29, 2026: CSD BR chose XRPL for Brazil's first public-ledger securities record mirroring.
  • Ripple Custody now underpins Absa's African bank custody launch and Brazil's permissioned tokenization.
  • XRPL Confidential Transfers pair zero-knowledge proofs with auditor decryptions for regulated finance.

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Benefits

  • 401(k) Plan
  • Healthcare Coverage
  • Health and Wellness
  • Family Support
  • Flexible Vacation
  • Employee Giving
  • Learning and Development

Company News

Yahoo Finance
Oct 23rd, 2026
Arf to lend RLUSD on XRP Ledger in $10B payments push, but lending tools lack votes

Swiss payments lender Arf said on Thursday, October 22, that it is partnering with Ripple to lend the RLUSD stablecoin to licensed cross-border payment companies on the XRP Ledger. The loans give them working capital while payments settle, and are usually repaid in one to five days. Arf, based in Zug, handles about $10 billion a year in settlement volume. Payment companies need not touch a blockchain, as Arf converts between fiat and stablecoins through its own bank accounts. The firm plans to move the programme onto the ledger's native lending tools, XLS-65 and XLS-66, once they activate. Neither is live; each needs 25 of 32 validator votes, and they have 19 and 17. XRP fell 4% on Thursday and trades at $1.32.

Pluang
Oct 21st, 2026
Ripple Prime launches 24-hour equity swaps for round-the-clock institutional trading.

Ripple Prime launches 24-hour equity swaps for round-the-clock institutional trading. Market News 21 Oct 2026 Ripple Prime, Ripple's institutional prime brokerage arm, has introduced 24-hour equity swap products allowing institutional clients to trade equity derivatives beyond traditional market hours. This innovation enables real-time equity exposure management across global time zones, benefiting crypto-native funds, multi-asset family offices, and digital-asset market makers. While the product extends trading access, key details like eligible equities, margin terms, and regulatory status remain undisclosed, requiring potential users to conduct due diligence. This move aligns with Ripple's broader strategy to expand its prime brokerage services beyond crypto into multi-asset markets. Ripple Prime's new 24-hour equity swaps offer extended trading hours. For readers following cryptocurrency markets, here is Pluang's market snapshot as of Oct 21, 2026 12:51 WIB: 42 of 50 major cryptocurrencies rose today. Notable movers include XTZ at Rp5.642 (+4.19%), COTI at Rp204 (+3.41%), and CAKE at Rp40.349 (+2.89%).

Coinotag
Oct 16th, 2026
Former Ripple adviser anthony Welfare says XRP tech is ready but adoption isn't.

Former Ripple adviser anthony Welfare says XRP tech is ready but adoption isn't. 2026-10-16COINOTAG The strongest case for XRP right now is technical, and one of the people who helped shape Ripple's institutional push says that is precisely where the risk sits. Anthony Welfare, a former Ripple central bank digital currency (CBDC) adviser, said in a podcast interview that the XRP Ledger has the...

BH NEWS
Oct 16th, 2026
Japan's mega banks conclude successful yen stablecoin trial.

Japan's mega banks conclude successful yen stablecoin trial. Japan's leading megabanks - MUFG, Mizuho, and SMBC - have announced the successful completion of the first collaborative phase of their yen stablecoin trials, conducted in partnership with Mitsubishi UFJ Trust and TISI. The pilot aimed at exploring the efficacy of stablecoins in cross-border settlements was a success, signaling a significant step in the integration of digital currency solutions within Japan's banking infrastructure. Pilot project tests cross-border payments. Discover more Trade Forex Trade Crypto Now Ethereum Network Tools Under the watchful eye of the Financial Services Agency of Japan, the trial included cross-border settlement processes for Mitsubishi Corporation, employing stablecoins structured under the status of trust beneficiary rights. This structure ensured a seamless and uninterrupted payout process from issuance to final conversion into fiat currency. MUFG, Mizuho, SMBC, Mitsubishi UFJ Trust, and TISI confirmed that the yen stablecoin trials were completed successfully, from issuance to redemption in fiat currency. Set to be commercially available before the current fiscal year ends, the stablecoin mechanism signals a noteworthy advancement in the melding of digital currencies with the banking standards in Japan. Speculations surround Ripple connection. While the consortium documents do not explicitly mention Ripple, financial circles in Japan are speculating a connection to the XRP Ledger ecosystem, primarily due to the longstanding relationship between Japan's top banks and Ripple technology. Known as the XRP Ledger or XRPL, this open-source blockchain network plays a significant role in the Ripple ecosystem. Discover more Financial News Platform Ethereum Investment Guide ETH Security Audits Glossary: XRPL is an open-source blockchain network intended for cross-border payments and asset transfers. RWA tokenization refers to converting traditional assets like stocks or bonds into digital tokens on the blockchain. In 2017, MUFG, Mizuho, and SMBC joined a large-scale banking consortium under the umbrella of SBI Ripple Asia, aimed at utilizing RippleNet technologies for instant domestic and cross-border payments. The influence of this institutional connection is still apparent today. Market may split along two lines. Recently, Mizuho Bank and SMBC's investment arm have engaged directly with Ripple Labs to set up tokenization of real-world assets and enterprise DeFi solutions on the XRP Ledger. This yen stablecoin initiative could be interpreted as an attempt by the Japanese banking system to reduce dependency on external liquidity bridges. Particularly through MUFG's Progmat platform, developed on the Avalanche blockchain, there are ambitions to maintain compliance and processing fees within traditional banking frameworks. As one of Japan's largest financial groups, MUFG continues to be a prominent player in establishing digital asset infrastructure in the country. Discover more Crypto market analysis Blockchain Courses Crypto Market Updates The emerging framework suggests that the mega banks' closed institutional payment architecture could coexist with a more open digital asset ecosystem centered around Ripple. This scenario indicates the potential division of the market along two axes. On one side, mega banks and the Progmat platform are expected to dominate closed B2B transfers. On the other, the regulated dollar stablecoin RLUSD backed by SBI Holdings and the existing liquidity of XRP could retain their influence in cross-border retail payments and open financial technology services.