FinTech AML Investigator & AI-Driven Compliance Lead

Ramp; San Francisco (CA); On-site; USD 135,000 - 190,000; Full time

Benefits offered by this job

Flexible PTO

Home-office equipment ordering

Health and wellness stipend

Budget for intra-office travel

Weekly coffee stipend

Relocation support to SF/NYC

Job summary

Ramp's Financial Crimes Compliance Team is seeking an experienced AML investigator to own escalated transaction monitoring investigations, document defensible risk conclusions, and draft SARs/UARs for regulatory reporting.

You will work across sanctions, PEPs, and enhanced due diligence, partnering with PEDD and Product to design scalable, AI-enabled workflows. Fintech background strongly preferred; remote-friendly in the US.

Qualifications

• Minimum 5 years of experience in BSA/AML advisory or operations teams, with at least 2 years in BSA/AML investigations.
• 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

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 experience

SAR drafting

Investigations

AI fluency

Fintech experience

Process improvement

Peer reviews

Education

ACAMS certification

Job description

Ramp's Financial Crimes Compliance Team is seeking an experienced AML investigator to own escalated transaction monitoring investigations, document defensible risk conclusions, and draft SARs/UARs for regulatory reporting.

You will work across sanctions, PEPs, and enhanced due diligence, partnering with PEDD and Product to design scalable, AI-enabled workflows. Fintech background strongly preferred; remote-friendly in the US.