Risk Operations Specialist | Underwriting

New York, New York, United States

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$72,700 – $111,100Compensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

Candidates must have a minimum of 1-2 years of experience in Underwriting, Credit Risk Management, or Fraud Risk Management. Experience in consumer, corporate, or small business cards, payments, invoices, lending, or related industries is required. Excellent written and verbal communication skills are essential, along with a strong background in customer support via email. Investigative and critical thinking skills are necessary, and a BA/BS from an accredited university is required.

Responsibilities

The Risk Operations Specialist will develop and execute Ramp’s risk underwriting policy for onboarding new businesses. They will build and maintain monitoring dashboards for underwriting outcomes and processes. The specialist will partner with product and engineering teams to create risk tooling that enhances operational efficiency. They will research emerging underwriting and fraud trends to innovate Ramp's decisioning systems and policies, while also managing customer support requests regarding credit and fraud risk.

Skills

Underwriting

Data Analysis

Risk Management

Fraud

Credit Risk

Data Fluency

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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