Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ 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 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
As a member of Ramp’s Financial Crimes Compliance Team, you will play a key role in executing Ramp’s Anti–money laundering (AML) and sanctions compliance program. You will be responsible for conducting investigations, preparing unusual and suspicious activity reports (UARs, SARs), driving process improvement, and supporting AI and automation initiatives for the AML program.
This role is primarily focused on comprehensive investigations arising from escalated transaction-monitoring alerts and internal referrals. You will evaluate the customer relationship and relevant activity holistically, document clear and defensible risk conclusions, and prepare high-quality SARs and UARs when appropriate. You will flex into other Financial Crimes Compliance workflows as business needs evolve, including sanctions, politically exposed persons (PEPs), and enhanced due diligence reviews.
You will also help strengthen how Financial Crimes Compliance operates. This is an opportunity for someone who combines rigorous risk-based judgment with a builder mindset: improving review workflows, quality standards, and procedures while partnering with Product, Engineering, Design, Data (PEDD) to develop the tooling, automation, and AI-enabled capabilities that will allow Ramp to scale responsibly.
This role is ideal for someone who thrives in a fast-paced fintech environment, has strong analytical and investigative skills, and is excited about building scalable processes to support Ramp’s growth.
What You’ll Do
Lead comprehensive investigations of escalated transaction-monitoring alerts and internal referrals, maintaining appropriate case documentation, making defensible risk-based decisions, and meeting regulatory reporting obligations.
Recommend account actions or restrictions based on financial crimes risk, and present findings and recommendations to the Account Review Board.
Draft and file SARs and prepare applicable partner reporting, ensuring narratives are clear, evidence-based, timely, and confidential.
Conduct secondary and peer reviews of investigations and filings, strengthening quality, consistency, and investigator judgment.
Identify and drive practical improvements to investigation workflows, procedures, quality standards, tooling, and training.
Partner with Compliance, Risk, PEDD, and Operations to build scalable workflows, automation, and AI-enabled capabilities.
Flex into other Financial Crimes Compliance work, including sanctions, PEPs, customer due diligence, and enhanced due diligence reviews, as program needs require.
What You Need
Minimum 5 years of experience in BSA/AML advisory or operations teams, with at least 2 years in BSA/AML investigations
Demonstrated experience drafting and filing SARs and making recommendations to leadership on account actions such as offboarding or risk acceptance
At least 1 year of experience conducting secondary or peer reviews of financial-crimes investigations
Deep knowledge of money-laundering and terrorist-financing typologies, with the ability to apply that knowledge to Ramp’s products, payment flows, and business-customer risk.
Demonstrated experience improving financial-crimes processes, procedures, controls, tooling, training, or quality standards.
AI fluency, including the ability to design repeatable, validated multi-step AI-assisted workflows with clear inputs, outputs, review checkpoints, and defined processes to identify, correct, and improve unreliable results.
Prior Fintech experience
Nice to Haves
Experience working with bank partners, card issuers, payment partners, or other regulated financial-services partners, including diligence requests, audits, reporting, or operational escalations.
ACAMS certification or an equivalent qualification.
Experience delivering automation or AI-assisted workflow improvements in a regulated compliance environment.
Flexible PTO
Centralized home-office equipment ordering
Health and wellness stipend
Budget for intra-office travel
Weekly coffee stipend
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)
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
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
If you are being referred for the role, please contact that person to apply on your behalf.
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 email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice
Skills Required
- At least 5 years of experience in BSA/AML advisory or operations teams
- At least 2 years of experience conducting BSA/AML investigations
- Experience drafting and filing SARs
- Experience recommending account actions such as offboarding or risk acceptance
- At least 1 year of experience conducting secondary or peer reviews of financial-crimes investigations
- Deep knowledge of money-laundering and terrorist-financing typologies
- Ability to apply financial-crimes knowledge to fintech products, payment flows, and business-customer risk
- Experience improving financial-crimes processes, procedures, controls, tooling, training, or quality standards
- AI fluency, including designing repeatable and validated multi-step AI-assisted workflows
- Prior fintech experience
- Experience with bank partners, card issuers, payment partners, or other regulated financial-services partners
- ACAMS certification or equivalent qualification
- Experience delivering automation or AI-assisted workflow improvements in a regulated compliance environment
Ramp Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Ramp and has not been reviewed or approved by Ramp.
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Fair & Transparent Compensation — Fair & Transparent Compensation: Pay is positioned as competitive or top-of-market in core technical roles, with strong base pay and total compensation ranges cited for engineers and product roles. Compensation is also framed as including meaningful equity alongside salary, making offers feel compelling versus many startup benchmarks.
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Healthcare Strength — Healthcare Strength: Healthcare coverage is described as comprehensive, often including medical, dental, and vision, with additional primary-care access via a One Medical membership. The package is portrayed as above-average on employer coverage for employees, increasing perceived value of the benefits bundle.
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Retirement Support — Retirement Support: A 401(k) with an employer match is consistently included as a core benefit. Immediate or meaningful matching is presented as a concrete financial benefit that goes beyond a basic plan offering.
Ramp Insights
What We Do
Ramp is building the next generation of finance tools—from corporate cards and expense management, to bill payments and accounting integrations—designed to save businesses time and money with every click. More than 10,000 customers cut their expenses by 3.5% per year and closing their books 8x faster by switching to the Ramp platform. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment software in America and enables billions of dollars of purchases each year. Ramp continues to grow at an increasingly large scale, more than doubling its revenue run rate in the first half of 2022. Valued at $8.1 billion, Ramp's investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures, General Catalyst, and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp was named Fast Company’s most innovative finance company in 2022.
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