AML & Financial Crimes Investigator — AI-Driven Compliance

Ramp; New York (NY); On-site; USD 150,000 - 210,000; Full time

Benefits offered by this job

Health and wellness stipend

Relocation assistance

One Medical annual membership

Parental leave

Job summary

Ramp is seeking a Senior Financial Crimes Compliance professional to lead escalated investigations, draft SARs/UARs, and drive AI-enabled workflow improvements within its AML program. The role focuses on comprehensive transaction-monitoring investigations, risk-based decisions, and regulatory reporting, with opportunities to expand into sanctions and enhanced due diligence as needed.

You will collaborate with PEDD and Operations to scale compliance tooling and automation in a fast-paced fintech

Qualifications

• Minimum 5 years of experience in BSA/AML advisory or operations teams, with at least 2 years in BSA/AML investigations.
• Demonstrated experience drafting and filing SARs and making recommendations to leadership on account actions such as offboarding or risk acceptance.
• At least 1 year of experience conducting secondary or peer reviews of financial-crimes investigations.
• Deep knowledge of money-laundering and terrorist-financing typologies, with the ability to apply that knowledge to Ramp’s products and processes.
• Demonstrated experience improving financial-crimes processes, controls, tooling, training, or quality standards.
• AI fluency, including the ability to design repeatable, validated multi-step AI-assisted workflows with defined inputs/outputs.
• Prior Fintech experience

Responsibilities

• Lead comprehensive investigations of escalated transaction-monitoring alerts and internal referrals, maintaining appropriate case documentation, making defensible risk-based decisions, and meeting regulatory reporting obligations.
• Recommend account actions or restrictions based on financial crimes risk, and present findings and recommendations to the Account Review Board.
• Draft and file SARs and prepare applicable partner reporting, ensuring narratives are clear, evidence-based, timely, and confidential.
• Conduct secondary and peer reviews of investigations and filings, strengthening quality, consistency, and investigator judgment.
• Identify and drive practical improvements to investigation workflows, procedures, quality standards, tooling, and training.
• Partner with Compliance, Risk, PEDD, and Operations to build scalable workflows, automation, and AI-enabled capabilities.
• Flex into other Financial Crimes Compliance work, including sanctions, PEPs, customer due diligence, and enhanced due diligence reviews, as program needs require.

Skills

BSA/AML investigations

SARs drafting

Regulatory reporting

AI-enabled workflows

Fintech experience

Job description

Ramp is seeking a Senior Financial Crimes Compliance professional to lead escalated investigations, draft SARs/UARs, and drive AI-enabled workflow improvements within its AML program. The role focuses on comprehensive transaction-monitoring investigations, risk-based decisions, and regulatory reporting, with opportunities to expand into sanctions and enhanced due diligence as needed.

You will collaborate with PEDD and Operations to scale compliance tooling and automation in a fast-paced fintech