Risk Operations Specialist, Payments

About the role

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.

What You'll Do

• 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.
• Help 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.

What You Need

• 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