AML Operations Analyst

AML Operations Analyst 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 $100B in annualized spend flows in and out of 50,000+ 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 Sanctions and PEP reviews, 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. The role will initially be scoped for Sanctions and PEP with the expectation that this person will support across all other AML workflows (EDD, transaction monitoring, AML investigations) as needed. What You’ll Do - Review sanctions and PEP screening alerts, escalating and reporting true matches as required - Conduct full investigation for true positive, as per internal procedures - As needed, conduct enhanced due diligence (EDD) on higher-risk customers, entities, and counterparties - Assist in the ongoing optimization of Ramp’s AML systems and tooling - Support responses to bank partner requests, audits, and regulatory reporting obligations - Identify process improvements, collaborate on implementation, and contribute to compliance procedures and training materials updates What You Need - Minimum 2 years of experience in compliance operational teams - Familiarity with BSA/AML, EDD, KYC/KYB and financial crimes compliance - Ability to handle multiple and fast-changing priorities - Excellent written and verbal communication skills - Investigative and critical thinking skills - Prior experience in Fintech Nice to Haves - Experience in Sanctions operations in 1LOD or 2LOD - 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, such as with risk and operations teams BENEFITS (FOR U.S.-BASED FULL-TIME EMPLOYEES) - 100% medical, dental & vision insurance coverage for you - Partially covered for your dependents - One Medical annual membership - 401k (including employer match on contributions made while employed by Ramp) - Flexible PTO - Fertility HRA (up to $10,000 per year) - Parental Leave - Unlimited AI token usage - Pet insurance - Centralized home-office equipment ordering for all employees - Health and Wellness stipend - In-office perks: lunch, snacks, drinks, and more - Budget for intra-office travel - Relocation support to NYC or SF (as needed) REFERRAL INSTRUCTIONS If you are being referred for the role, please contact that person to apply on your behalf. OTHER NOTICES Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants wit ... (truncated, view full listing at source)