AML Operations Analyst

About the role

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.

Responsibilities

• Review and disposition escalations from transaction monitoring alerts and internal referrals, conducting full investigations and determining reporting obligations
• Draft and file Suspicious Activity Reports (SARs) and Unusual Activity Reports (UARs), ensuring narratives are accurate, defensible, and submitted within required timeframes
• Flex into Sanctions, PEP, and KYC/EDD workflows as needed
• Perform secondary peer reviews
• Assist in the ongoing optimization of Ramp’s AML systems and tooling, including rule tuning, automation implementation, and testing
• Drive workflow design updates, process improvements and simplification, and contribute to maintenance of procedures and training materials
• Triage and respond to escalations from internal teams to Compliance

Requirements

• Minimum 4 years of experience in compliance advisory or operations teams, with at least 2 years as an AML investigator in an operations team (1LOD or 2LOD)
• Experience drafting and filing SARs/UARs
• Demonstrated familiarity with Sanctions, EDD, KYC/KYB and financial crimes compliance
• Exceptional written and verbal communication skills
• Strong Investigative and critical thinking skills
• Prior Fintech experience required

Qualifications

• AI fluency, with experience delivering automation/AI solutions in compliance
• Nice to have: Accreditation by ACAMS, an equivalent industry body, or other qualifications in the areas of financial crime, risk management, or compliance
• Experience supporting a growing compliance team
• Experience in high-growth start-ups, particularly in Fintech
• Experience working cross-functionally with key stakeholders such as risk, engineering, and operations teams

Skills

• AI fluency, with experience delivering automation/AI solutions in compliance
• Nice to have: Accreditation by ACAMS, an equivalent industry body, or other qualifications in the areas of financial crime, risk management, or compliance
• Experience supporting a growing compliance team
• Experience in high-growth start-ups, particularly in Fintech
• Experience working cross-functionally with key stakeholders such as risk, engineering, and operations teams

Benefits

• Flexible PTO
• Unlimited AI token usage
• 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 support to NYC or SF (as 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
• Referral Instructions
• Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.