AML Operations Analyst

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 investigations, filing SARs, driving process improvement, 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.

WHAT YOU'LL 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

WHAT YOU NEED

- 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

NICE TO HAVES

- 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