AML Operations Analyst, Compliance Operator

Ramp•New York, NY

2d•$100,000 - $150,000

About The Position

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.

Requirements

Minimum 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/UARs
Demonstrated familiarity with Sanctions, EDD, KYC/KYB and financial crimes compliance
Ability to handle multiple and fast-changing priorities
Exceptional written and verbal communication skills
Strong Investigative and critical thinking skills
Prior Fintech experience required

Nice To Haves

AI fluency, with experience delivering automation/AI solutions in compliance
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 with key stakeholders such as risk, engineering, and operations teams

Responsibilities

Review and disposition escalations from transaction monitoring alerts and internal referrals, conducting full investigations and determining reporting obligations
Draft and file Suspicious Activity Reports (SARs) and Unusual Activity Reports (UARs), ensuring narratives are accurate, defensible, and submitted within required timeframes
Flex into Sanctions, PEP, and KYC/EDD workflows as needed
Perform secondary peer reviews
Assist in the ongoing optimization of Ramp’s AML systems and tooling, including rule tuning, automation implementation, and testing
Drive workflow design updates, process improvements and simplification, and contribute to maintenance of procedures and training materials
Support responses to bank partner requests, audits, and regulatory reporting and obligations
Triage and respond to escalations from internal teams to Compliance

Benefits

Flexible PTO
Unlimited AI token usage
Centralized home-office equipment ordering
Health and wellness stipend
Budget for intra-office travel
Weekly coffee stipend
100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
One Medical annual membership
401(k), including employer match on contributions made while employed by Ramp
Fertility HRA (up to $10,000 per year)
Parental leave: up to 16 weeks (80 days) at 100% pay
Pet insurance
In-office perks: lunch, snacks, drinks, and more
Relocation support to NYC or SF (as needed)
Group medical, dental, and vision coverage through Sun Life
Life, AD&D, and disability coverage
Fertility drug coverage (up to $4,000 lifetime)
Group Retirement Plan with employer match (RRSP + DPSP)
Parental leave: up to 16 weeks (80 days) at 100% pay, with additional time available at reduced pay
Employee Assistance Program and virtual care through Lumino Health
Private medical insurance through Freedom Elite
Virtual GP and at-home care via eMed x Livi
Workplace pension through Penfold, with salary sacrifice option
Parental leave: up to 16 weeks (80 days) at 100% pay, with additional time available at reduced pay