Risk Operations Lead - Payments
@ Ramp

Hybrid
$166,000
Hybrid
Full Time
Posted 21 days ago

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Job Details

About Ramp

At Ramp, we’re rethinking how modern finance teams function in the age of AI. With a focus on innovative financial operations, Ramp’s platform combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built‐in intelligence to maximize every dollar and hour spent. Founded in 2019, Ramp has helped over 45,000 businesses save $10B and 27.5M hours.

About the Role

As the founding member of the Payments Operations team within Ramp’s Risk Strategy & Operations, the Risk Operations Lead - Payments will drive key operational initiatives related to payments. This role demands expertise in payment methodologies, operational workflows, and regulatory requirements. You will work cross-functionally with Product, Finance, Customer Support, Treasury, and Compliance teams to manage the full payment lifecycle, troubleshoot issues, and ensure a seamless payment experience.

What You’ll Do

  • Shape and implement Ramp’s risk payment policy for internal and external interactions.
  • Triage, investigate, and reconcile payment transaction inaccuracies.
  • Manage refund requests, chargeback workflows, and keep stakeholders updated.
  • Collaborate with Compliance, Legal, and Payment Associations to meet reporting requirements and audits.
  • Partner with Product and Engineering to deploy advanced risk management tools.
  • Deliver exceptional customer service in handling credit and fraud risk.

What You Need

  • Minimum 5 years in Payment Operations, Payment Compliance, or related fields.
  • Expertise in ACH, NACHA, Swift rules and FX payments.
  • Experience in consumer, corporate, or small business cards, payments, invoices, or lending.
  • Excellent written and verbal communication skills.
  • BA/BS from an accredited university.

Nice-to-Haves

  • Experience in high-growth startups and building complex financial products.
  • Knowledge of SQL or Python.
  • Strong background in customer support via phone.

Compensation & Benefits

Compensation varies based on location. NYC/SF ranges from $124,700 to $208,350 while other locations range from $112,200 to $187,550. U.S.-based full-time employees enjoy comprehensive benefits including 100% medical, dental & vision insurance, a partially covered plan for dependents, One Medical membership, 401k, flexible PTO, fertility HRA, WFH stipend, wellness stipend, parental leave, relocation support, and pet insurance.

Referral Instructions & Other Notices

If you are being referred for the role, please contact the referring person to apply on your behalf. Ramp considers qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance.

Key skills/competency

  • Payments
  • Risk
  • Compliance
  • Operations
  • Strategy
  • Credit
  • Fraud
  • Reconciliation
  • Customer Support
  • Regulatory
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How to Get Hired at Ramp

🎯 Tips for Getting Hired

  • Customize your resume: Highlight payment operations and risk management expertise.
  • Research Ramp: Understand their innovative fintech and AI-driven approach.
  • Network smartly: Connect with current employees on LinkedIn.
  • Prepare for interviews: Practice payment workflows and compliance scenarios.

📝 Interview Preparation Advice

Technical Preparation

Review ACH, NACHA, Swift, FX procedures.
Practice SQL queries and Python basics.
Study payment reconciliation and risk analysis.
Analyze operations workflow and regulatory processes.

Behavioral Questions

Describe handling payment discrepancies effectively.
Explain risk assessment under tight deadlines.
Discuss teamwork within cross-functional groups.
Illustrate adaptability during dynamic challenges.

Frequently Asked Questions