AML Operations Analyst, Compliance Operator

About the Role

The AML Operations Analyst will work closely with various teams, including Compliance, Risk, Product, and Fraud Operations, to ensure Ramp maintains a strong financial crimes compliance program. This collaborative approach will enable you to develop a deep understanding of the company's systems and processes, as well as the opportunity to contribute to the growth and development of the AML program.

Ramp is committed to building a smart infrastructure for finance teams, and the AML Operations Analyst will be instrumental in helping the company achieve this goal. By joining the team, you will be part of a dynamic and ambitious organization that is shaping the future of fintech.

What You Will 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
• Develop and maintain relationships with key stakeholders, including Compliance, Risk, and Product teams
• Stay up-to-date with regulatory requirements and industry developments, applying this knowledge to improve the AML program

What We Are Looking For

• 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
• Bachelor's degree in a related field, such as finance, law, or compliance
• Strong analytical and problem-solving skills
• Ability to work independently and as part of a team

Nice to Have

• 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 and Perks

• Flexible PTO
• Unlimited AI token usage
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend
• 100% medical, dental, and 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
  0,000 per year)
• Parental leave: up to 16 weeks (80 days) at 10
• Opportunities for professional growth and development in a dynamic and ambitious organization

• To stand out as an AML Operations Analyst, focus on developing strong analytical and investigative skills, as well as experience in compliance advisory or operations teams.
• Be prepared to demonstrate your knowledge of regulatory requirements and industry developments, and explain how you would apply this knowledge to improve the AML program.
• When applying, highlight your ability to handle multiple and fast-changing priorities, as well as your exceptional written and verbal communication skills.
• Consider obtaining accreditation by ACAMS or an equivalent industry body to demonstrate your expertise in financial crime, risk management, or compliance.
• During the interview process, ask about the company's approach to AI and automation in compliance, and how the AML Operations Analyst role contributes to this effort.
• Be prepared to provide specific examples of your experience in conducting investigations and drafting SARs/UARs, and explain how you would drive process improvement and support AI and automation initiatives.
• Research the company's culture and values, and be prepared to discuss how you would contribute to the team's dynamic and ambitious environment.