AML Operations Analyst

About RampRamp 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.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 investigations, filing SARs, driving process improvement, 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.What You'll DoReview and disposition escalations from transaction monitoring alerts and internal referrals, conducting full investigations and determining reporting obligationsDraft and file Suspicious Activity Reports (SARs) and Unusual Activity Reports (UARs), ensuring narratives are accurate, defensible, and submitted within required timeframesFlex into Sanctions, PEP, and KYC/EDD workflows as neededPerform secondary peer reviewsAssist in the ongoing optimization of Ramp’s AML systems and tooling, including rule tuning, automation implementation, and testingDrive workflow design updates, process improvements and simplification, and contribute to maintenance of procedures and training materialsSupport responses to bank partner requests, audits, and regulatory reporting and obligationsTriage and respond to escalations from internal teams to ComplianceWhat You NeedMinimum 4 years of experience in compliance advisory or operations teams, with at least 2 years as an AML investigator in an operations team (1LOD or 2LOD)Experience drafting and filing SARs/UARsDemonstrated familiarity with Sanctions, EDD, KYC/KYB and financial crimes complianceAbility to handle multiple and fast-changing prioritiesExceptional written and verbal communication skillsStrong Investigative and critical thinking skillsPrior Fintech experience requiredNice to Haves AI fluency, with experience delivering automation/AI solutions in complianceAccreditation by ACAMS, an equivalent industry body, or other qualifications in the areas of financial crime, risk management, or complianceExperience supporting a growing compliance teamExperience in high-growth start-ups, particularly in FintechExperience working cross-functionally with key stakeholders such as risk, engineering, and operations teamsBenefits available to all full-time Ramp employees (Global)Flexible PTOCentralized home-office equipment orderingHealth and wellness stipendBudget for intra-office travelWeekly coffee stipendUnited States100% medical, dental & vision insurance coverage for you, with partial coverage for dependentsOne Medical annual membership401(k), including employer match on contributions made while employed by RampFertility HRA (up to $10,000 per year)Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% payPet insuranceIn-office perks: lunch, snacks, drinks, and moreRelocation support to NYC or SF (as needed)CanadaGroup medical, dental, and vision coverage through Sun LifeLife, AD&D, and disability coverageFertility 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 payEmployee Assistance Program and virtual care through Lumino HealthUnited KingdomPrivate medical insurance through Freedom EliteVirtual GP and at-home care via eMed x LiviWorkplace pension through Penfold, with salary sacrifice optionParental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced payReferral InstructionsIf you are being referred for the role, please contact that person to apply on your behalf.Other noticesPursuant 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.Ramp Applicant Privacy NoticeCompensation Range: $100K - $150KLocationNew York, NY (HQ); Remote (US); San Francisco, CAEmployment TypeFull timeLocation TypeHybridDepartmentComplianceCompensationSF/NYTarget Base Salary $110K – $150K • Offers EquityNationwideTarget Base Salary $100K – $135K • Offers EquityThe final compensation will depend on the location and level at which the candidate is hired.