AML Operations Analyst
About Ramp
Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $100B in annualized spend flows in and out of 50,000+ 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 AML Team, you will play a key role in executing Ramp’s anti–money laundering and sanctions compliance program. You will be responsible for conducting Sanctions and PEP reviews, and supporting AI and automation initiatives for the AML program.
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. You’ll work closely with our Compliance, Risk, Product, and Fraud Operations teams to ensure Ramp maintains a strong financial crimes compliance program. The role will initially be scoped for Sanctions and PEP with the expectation that this person will support across all other AML workflows (EDD, transaction monitoring, AML investigations) as needed.
What You’ll Do
Review sanctions and PEP screening alerts, escalating and reporting true matches as required
Conduct full investigation for true positive, as per internal procedures
As needed, conduct enhanced due diligence (EDD) on higher-risk customers, entities, and counterparties
Assist in the ongoing optimization of Ramp’s AML systems and tooling
Support responses to bank partner requests, audits, and regulatory reporting obligations
Identify process improvements, collaborate on implementation, and contribute to compliance procedures and training materials updates
What You Need
Minimum 2 years of experience in compliance operational teams
Familiarity with BSA/AML, EDD, KYC/KYB and financial crimes compliance
Ability to handle multiple and fast-changing priorities
Excellent written and verbal communication skills
Investigative and critical thinking skills
Prior experience in Fintech
Nice to Haves
Experience in Sanctions operations in 1LOD or 2LOD
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, such as with risk and operations teams
Benefits (for U.S.-based full-time employees)
100% medical, dental & vision insurance coverage for you
Partially covered for your dependents
One Medical annual membership
401k (including employer match on contributions made while employed by Ramp)
Flexible PTO
Fertility HRA (up to $10,000 per year)
Parental Leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering for all employees
Health and Wellness stipend
In-office perks: lunch, snacks, drinks, and more
Budget for intra-office travel
Relocation support to NYC or SF (as needed)
Referral Instructions
If you are being referred for the role, please contact that person to apply on your behalf.
Other notices
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.