Risk Operations Lead | Payments

About Ramp

Ramp is a financial operations platform designed to save businesses time and money. Combining corporate cards with expense management, bill payments, vendor management, accounting automation, and more, Ramp's all-in-one solution frees finance teams to do the best work of their lives. More than 30,000 companies, from family-owned farms to e-commerce giants to space startups, have saved $1B and 10M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over 35 billion dollars in purchases each year.

Ramp's investors include Sequoia, Founders Fund, Thrive Capital, Khosla Ventures, Greylock, Stripe, Goldman Sachs, Coatue, and Redpoint, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies-Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One-as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart.

Ramp has been named to Fast Company's Most Innovative Companies list and LinkedIn's Top U.S. Startups for over 3 years, as well as the Forbes Cloud 100, CNBC Disruptor 50, and TIME Magazine's 100 Most Influential Companies.

About the Role

As the founding member of the Payments Operations team within Ramp's Risk Strategy & Operations team, you will be instrumental in driving operational initiatives related to payments. This position demands a strong command of payment methodologies, operational workflows, and regulatory requirements, as well as the ability to identify and manage various risk vectors-particularly credit and fraud. You will collaborate closely with cross-functional partners in Product, Finance, Customer Support, Treasury, and Compliance to oversee the full payment lifecycle, troubleshoot issues, and deliver a seamless payment experience.

At Ramp, we take our responsibility for customers' financial well-being seriously. Every decision is grounded in data and systematic analysis, ensuring we consistently uphold our commitment to delight our customers and safeguard their interests.

What You'll Do

Shape and implement Ramp's risk payment policy for key internal and external interactions, including managing payment holds / requests, wire reconciliations, international payment reconciliation, and hold harmless for Ramp's corporate credit card, bill pay, Ramp Business Accounts / Treasury products.

Promptly triage, investigate, and reconcile inaccuracies across payment transactions (e.g., ACH, wire transfers, card payments, Ramp Business Accounts), debit check errors, and bank linking issues.

Manage refund requests and chargeback workflows while keeping stakeholders regularly updated on their status.

Work closely with Compliance and Legal teams to meet reporting requirements and successfully navigate audits.

Join and work with Payment Associations and be the primary representative for Ramp within those associations.

Proactively identify operational gaps and propose innovative solutions to reduce risk exposure.

Partner with Product and Engineering teams to design and deploy state-of-the-art risk management tools that enhance operational efficiency.

Deliver exceptional customer service by efficiently handling support requests via phone and email, while expertly managing credit and fraud risk.

Thrive in a fast-paced, start-up environment with a continuous drive to learn, grow, and innovate.

What You Need

Minimum 5 years of experience in Payment Operations, Payment Compliance, Payments Strategy, or related experience

Well-versed in ACH, NACHA, Swift rules and FX payments

Experience within consumer / corporate / small business cards, payments, invoices, lending, or related industries

Excellent written and verbal communication skills

Strong background in customer support via email

Investigative and critical thinking skills

BA / BS from an accredited university

Nice-to-Haves

Experience in high-growth startups

Experience building complex financial products

Knowledge of SQL or Python

Strong background in customer support via phone

Compensation

For candidates located in NYC or SF, the pay range for this role is $124,700 - $208,350. For candidates located in all other locations, the pay range for this role is $112,200 - $187,550.

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 $5,000 per year)

WFH stipend to support your home office needs

Wellness stipend

Parental Leave

Relocation support to NYC or SF

Pet insurance

Other notices

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