Risk Operations Specialist, Payments

About the role

The Payment Operations Specialist at Ramp plays a key role in supporting the day-to-day execution and efficiency of Ramp’s payment operations. They work closely with the Payments Operations Lead and cross-functional teams across Product, Finance, Customer Support, Risk, and Compliance to ensure smooth and accurate payment processing, issue resolution, and operational excellence.

Responsibilities

• Support the Payments Operations Lead in the daily management of payment workflows, including ACH, wire transfers, card payments, and Ramp Business Account transactions.
• Monitor and reconcile payment activity, identify discrepancies, and help investigate or resolve transaction issues.
• Collapse refund and money movement processes and maintain clear communication with internal teams and customers on case status.
• Collaborate with Customer Support, Risk, and Product to resolve user-reported payment or linking issues in a timely and accurate manner.
• Prepare data and documentation for audits and regulatory reporting.
• Participate in cross-functional projects aimed at improving payment accuracy, reducing operational risk, and scaling payment processes.
• Identify and document operational inefficiencies or gaps and propose potential improvements.
• Maintain accurate process documentation and support knowledge management for the Payments Ops function.
• Provide high-quality internal and external customer support through email and other communication channels.

Requirements

• 2–4 years of experience in Payment Operations, Financial Operations, Treasury Operations, or a related function.
• Working knowledge of ACH, wire transfers, and card payment systems; familiarity with NACHA and SWIFT standards a plus.
• Experience using and building with AI tools to enhance productivity, streamline workflows, or support operational decision-making.
• Strong attention to detail and comfort handling complex reconciliations or operational workflows.
• Excellent organizational skills and the ability to manage multiple priorities in a fast-paced environment.
• Strong written and verbal communication skills; able to coordinate across teams and document processes clearly.
• An analytical and problem-solving mindset with a focus on data accuracy and continuous improvement.
• BA/BS degree or equivalent experience.

Nice-to-Haves

• Experience working in fintech, payments, or high-growth startup environments.
• Familiarity with SQL or basic data analysis tools for investigating issues or building reports.
• Exposure to risk or compliance operations.
• Experience with customer support systems (e.g., Zendesk, Salesforce).

Benefits

• Full-time Ramp Employees (Global)
• 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
• 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
• UK: Private medical insurance through Freedom Elite
• eMed x Livi Virtual GP and at-home care
• Penfold Workplace pension with salary sacrifice option
• Employee Assistance Program and virtual care through Lumino Health