Senior Treasury Manager - Liquidity Management

Ripple is the leader in enterprise blockchain and crypto solutions, redefining how the world moves, manages, tokenizes and stores value. A company with more than 900 global employees and 15 offices. An opportunity to join a team empowered to deliver on its mission to build crypto solutions for a world without economic borders. To date, Ripple Payments has processed 27M lifetime transactions worth nearly $50B. A vision that has the potential to impact directly on how value moves around the world.

Reporting to the senior manager, global liquidity management, this person will be responsible for assisting with all aspects of global treasury liquidity management. This individual will collaborate daily with cross-functional/cross-regional members

• Run daily global liquidity positioning: Lead the daily process of positioning cash and crypto assets across all regions and entities so we meet global obligations and fund products on time.
• Forecast liquidity needs globally: Build and maintain daily, weekly, and monthly forecasts for every subsidiary and business owner, with local-currency and USD views, so funding is in place when needed.
• Optimize pooling and yield: Lead global cash and stablecoin pooling to minimize idle balances, improve yield, and design efficient funding structures across entities, currencies, and time zones.
• Design global liquidity structures: Shape and execute netting, in-house bank, and follow-the-sun liquidity models that work across jurisdictions, adapting them to local legal, tax, and regulatory limits.
• Own cash reporting: Deliver periodic global cash reports and forecasts that give management clear visibility into balances and sources and uses of cash.
• Improve working capital: Partner with Finance to define, report on, and drive improvement in working capital metrics.
• Build treasury systems: Work with treasury leadership to shape and execute our global treasury management system strategy across business lines, and develop the tools that support day-to-day liquidity management, including bank connectivity and data capture.
• Manage FX risk: Monitor and build infrastructure to mitigate exposure from foreign-currency assets and liabilities globally, including emerging market currencies where hedging is limited or costly.
• Manage banking relationships: Own relationships with global and regional banking partners, including local FX and settlement providers, to implement liquidity and investment strategies.
• Partner across the business: Build strong working relationships with Accounting, Finance Ops, Tax, Compliance, Crypto Ops, and other teams, and guide decisions on how cash and cash equivalents are used.

• Lead LatAm liquidity strategy: Serve as the treasury owner for Brazil and the broader region, accounting for local banking infrastructure, settlement cycles, capital controls, and currency convertibility constraints, and integrate these into the global liquidity plan.
• Navigate local regulatory requirements: Partner with Tax, Legal, and Compliance to ensure liquidity movements comply with Brazilian and regional FX and capital flow rules, including central bank registrations and declarations for cross-border flows, intercompany loans, capital injections, and dividends.
• Coordinate regulatory reporting data: Make sure treasury data supports local regulatory and central bank filings, and clarify internal ownership of each.
• Stay ahead of regulatory change: Monitor developments in Brazilian and regional regulation, including virtual asset and stablecoin frameworks, and translate them into treasury process and policy updates.

• Develop others: Mentor new hires and junior team members, and help build regional treasury capability.

• 8+ years of Treasury experience at a multinational corporation, financial institution, remittance company, or crypto company
• Track record leading daily cash management and cash forecasting across global entities
• Experience designing and implementing netting, a global in-house bank, or follow-the-sun liquidity structures
• Hands-on experience with bank data integration and analysis
• Experience managing FX exposure across multiple currencies, including emerging markets
• Success building reporting, accountability, and performance mechanisms that help a team operate at a high level

• Hands-on experience with Brazilian FX and capital flow regulation, including BCB reporting and registration requirements for cross-border transactions
• Working knowledge of Brazilian tax considerations for treasury, such as IOF, withholding taxes, and transfer pricing on intercompany funding
• Experience managing liquidity across multiple LatAm jurisdictions, with an understanding of capital controls and convertibility constraints

• Strong analytical, organizational, and communication skills, with the ability to run multiple projects at once
• Ability to partner with and influence a globally distributed team across time zones
• Fluency in English and Portuguese; Spanish is a plus
• Comfort with ambiguity and shifting priorities, and the ability to influence teams whose priorities compete
• Advanced Excel and Google Sheets skills; experience with other analytical tools is a plus
• A collaborative approach that promotes excellence, innovation, and continuous improvement through technology
• Bachelor’s degree in Finance or a related business field

• MBA/CTP/CFA/FRM
• Familiarity with Brazil’s virtual asset and stablecoin regulatory framework
• Experience coordinating with local counsel, tax advisors, and external auditors on regulatory matters

Do Your Best Work

• The opportunity to build in a fast-paced start-up environment with experienced industry leaders
• A learning environment where you can dive deep into the latest technologies and make an impact.  A professional development budget to support other modes of learning.
• Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team.
• In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in. 
• Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team
• We come together for moments that matter which include team offsites, team bonding activities, happy hours and more!

Take Control of Your Finances

• Competitive salary, bonuses, and equity
• Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
• Employee giving match
• Mobile phone stipend

Take Care of Yourself

• R&R days so you can rest and recharge
• Generous wellness reimbursement and weekly onsite & virtual programming
• Generous vacation policy - work with your manager to take time off when you need it
• Industry-leading parental leave policies. Family planning benefits.
• Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

Benefits listed above are for full-time employees.