AML Operations Analyst

About Ramp At Ramp, we’re rethinking how modern finance teams function in the age of AI. We believe AI isn’t just the next big wave. It’s the new foundation for how business gets done. We’re investing in that future — and in the people bold enough to build it. Ramp is a financial operations platform designed to save companies time and money. Our all-in-one solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built-in intelligence to maximize the impact of every dollar and hour spent. More than 50,000 businesses, from family-owned farms to e-commerce giants to space startups, have saved $10B and 27.5M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over $100 billion in purchases each year. Ramp’s investors include Lightspeed Venture Partners, Thrive Capital, Sands Capital, General Catalyst, Founders Fund, Khosla Ventures, Sequoia Capital, Greylock, Redpoint, and ICONIQ, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp has been named to Fast Company’s Most Innovative Companies list and LinkedIn’s Top U.S. Startups for more than 3 years, as well as the Forbes Cloud 100, CNBC Disruptor 50, and TIME Magazine’s 100 Most Influential Companies. 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 reviewing transaction monitoring alerts, conducting investigations, and completing enhanced due diligence (EDD) reviews to identify and mitigate financial crime risks. 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. What You’ll Do • 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 What You Need • 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 Nice to Haves • 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 • 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. Ramp Applicant Privacy Notice Apply tot his job