AML Operations Analyst

Aplaro Ltd; New York (NY); On-site; USD 120,000 - 160,000; Full time

Benefits offered by this job

Flexible PTO

Unlimited AI token usage

Home-office equipment budget

Health and wellness stipend

Intra-office travel budget

Weekly coffee stipend

Job summary

Ramp is building the smart infrastructure for finance teams, embedding AML in the transaction flow. As a member of Ramp’s AML Team, you will conduct investigations, file SARs/UARs, and support automation initiatives to strengthen the program while collaborating with Compliance, Risk, Product, and Fraud Operations.

This role suits someone with strong analytical skills, experience in fast-paced fintech environments, and a drive to build scalable processes that support Ramp’s growth.

Qualifications

• Minimum 4 years of experience in compliance advisory or operations, 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.

Responsibilities

• Review and disposition escalations from transaction monitoring alerts and internal referrals, conducting full investigations and determining reporting obligations.
• Draft and file SARs and UARs, ensuring narratives are accurate and submitted on time.
• Flex into Sanctions, PEP, and KYC/EDD workflows as needed.
• Perform secondary peer reviews.
• Assist in ongoing optimization of Ramp’s AML systems and tooling, including rule tuning, automation implementation, and testing.
• Drive workflow design updates and process improvements, and contribute to 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.

Skills

AML investigations

SAR filing

Sanctions knowledge

KYC/EDD

Fintech experience

Communication skills

Tools

AI automation tools

Job description

ABOUT RAMP

Ramp 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 DO

• 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

WHAT YOU NEED

• 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

BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL)

• Flexible PTO
• Unlimited AI token usage
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend

UNITED STATES

• 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay
• Pet insurance
• In-office perks: lunch, snacks, drinks, and more
• Relocation support to NYC or SF (as needed)

CANADA

• 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
• Employee Assistance Program and virtual care through Lumino Health

UNITED KINGDOM

• 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay