Financial Crimes Compliance Strategist

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

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 Financial Crimes Compliance Team, you will play a key role in executing Ramp’s Anti–money laundering (AML) and sanctions compliance program. You will be responsible for conducting investigations, preparing unusual and suspicious activity reports (UARs, SARs), driving process improvement, and supporting AI and automation initiatives for the AML program. This role is primarily focused on comprehensive investigations arising from escalated transaction-monitoring alerts and internal referrals. You will evaluate the customer relationship and relevant activity holistically, document clear and defensible risk conclusions, and prepare high-quality SARs and UARs when appropriate. You will flex into other Financial Crimes Compliance workflows as business needs evolve, including sanctions, politically exposed persons (PEPs), and enhanced due diligence reviews. You will also help strengthen how Financial Crimes Compliance operates. This is an opportunity for someone who combines rigorous risk-based judgment with a builder mindset: improving review workflows, quality standards, and procedures while partnering with Product, Engineering, Design, Data (PEDD) to develop the tooling, automation, and AI-enabled capabilities that will allow Ramp to scale responsibly. 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.

What You’ll Do

• 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.

What You Need

• 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, payment flows, and business-customer risk.
• Demonstrated experience improving financial-crimes processes, procedures, controls, tooling, training, or quality standards.
• AI fluency, including the ability to design repeatable, validated multi-step AI-assisted workflows with clear inputs, outputs, review checkpoints, and defined processes to identify, correct, and improve unreliable results.
• Prior Fintech experience

Nice to Haves

• Experience working with bank partners, card issuers, payment partners, or other regulated financial-services partners, including diligence requests, audits, reporting, or operational escalations.
• ACAMS certification or an equivalent qualification.
• Experience delivering automation or AI-assisted workflow improvements in a regulated compliance environment.

Benefits Available To All Full-time Ramp Employees (Global)

• Flexible PTO
• 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 expense coverage to NYC or SF (if 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

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

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