AML Operations Analyst at Ramp

San Francisco, California, United States

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$75,400 – $120,300Compensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Minimum 2 years of experience in compliance operational teams
Familiarity with KYC/KYB, BSA/AML, sanctions, EDD, and financial crimes compliance
Ability to handle multiple and fast-changing priorities
Excellent written and verbal communication skills
Investigative and critical thinking skills

Responsibilities

Review and disposition transaction monitoring alerts across Ramp’s product lines to identify potentially suspicious activity
Investigate suspicious activity and prepare documentation supporting SAR decisions and filings
Review sanctions and PEP screening alerts, escalating and reporting true matches as required
Conduct enhanced due diligence (EDD) on higher-risk customers, entities, and counterparties
Assist in the ongoing optimization of Ramp’s AML systems and transaction monitoring rules
Support responses to bank partner requests, audits, and regulatory reporting obligations
Identify process improvements, document findings, and contribute to compliance procedures and training materials

Skills

Key technologies and capabilities for this role

AMLTransaction MonitoringInvestigationsEnhanced Due DiligenceEDDSanctions ComplianceFinancial CrimeCompliance

Questions & Answers

Common questions about this position

What is the salary range for the AML Operations Analyst position?

The salary range is $75.4K - $120.3K.

Is this role remote or hybrid?

The position is hybrid.

What skills are required for the AML Operations Analyst role?

The role requires strong analytical and investigative skills, the ability to thrive in a fast-paced fintech environment, and experience building scalable processes.

What is the company culture like at Ramp?

Ramp fosters a fast-paced fintech environment focused on innovation in AI-driven finance, with a team of talented leaders from top financial services, fintech, and technology companies.

What makes a strong candidate for this AML Operations Analyst position?

Strong candidates have strong analytical and investigative skills, thrive in fast-paced fintech settings, and are excited about building scalable processes while working closely with Compliance, Risk, Product, and Fraud teams.

Ramp

Corporate card and spend management platform

About Ramp

Ramp provides a corporate card and spend management platform that helps businesses track expenses and save money. The platform allows finance teams to manage corporate cards, expense reports, and bill payments in one place, and it integrates with tools like Slack for added convenience. Ramp serves a wide range of clients, from large enterprises to creative agencies, and aims to reduce overall expenses through its comprehensive financial tools. Unlike competitors such as Amex and Brex, Ramp generates revenue through interchange fees on card transactions and subscription fees for advanced features. The company's goal is to streamline financial operations for businesses and help them achieve significant cost savings.

New York City, New YorkHeadquarters

2019Year Founded

$1,096.3MTotal Funding

SERIES_DCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Competitive salaries: You never have to wonder how your pay compares. Our generous comp reflects our belief that you’ll take Ramp to the next level.

Comprehensive health plans: US-based employees get full medical, dental, and vision insurance coverage. Everyone gets a monthly stipend for personal wellness.

Professional development: Take advantage of our annual education stipends to stay on top of your personal growth.

Unlimited PTO: Flexible vacation days give you the time to step away, unwind, and recharge.

Risks

Increased competition from fintech startups could challenge Ramp's market position.

Economic downturns may reduce business spending, affecting Ramp's revenue streams.

The volatile travel industry poses risks to Ramp's new travel booking services.

Differentiation

Ramp integrates with popular tools like Slack and Workday for seamless financial operations.

The platform offers advanced accounting automations, reducing manual work for finance teams.

Ramp's use of stablecoins and modern financial instruments sets it apart from competitors.

Upsides

Ramp's integration with Workday enhances real-time data syncing and accounting automation.

The partnership with Priceline expands Ramp's services into the growing business travel sector.

Ramp's recent $750 million funding boosts its capacity for innovation and market expansion.

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