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 $275B in annualized spend flows in and out of 85,000+ 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 7.5% 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 Risk Strategy & Operations, you will drive operational initiatives related to underwriting, customer risk management, and fraud. This role requires an understanding of underwriting processes, fluency with data, and the ability to analyze risk vectors such as credit and fraud risks. We take our responsibility to serve our customers’ commitment to their financial health seriously, and our approach is anchored in data-driven and systematic decisions to delight our customers.

Please note: This role follows a Sunday–Thursday workweek.

What You'll Do

Develop and execute Ramp’s risk underwriting policy used to onboard new business to the Ramp platform across corporate credit card and bill pay products
Build and maintain monitoring dashboards for underwriting outcomes, processes and losses
Partner with product and engineering to build best in class risk tooling to increase operations efficiency
Research emerging underwriting and fraud trends to innovate on Ramp's decisioning systems and policies
Provide best in class customer experience, while managing credit and fraud risk, by effectively managing customer support requests on their application over phone and email
Have the ability to grow, develop and learn in a fast-paced, start-up environment
Identify emerging risks and use AI and automation to improve decision quality and efficiency

What You Need

Minimum 1-2 years of experience in Underwriting, Credit Risk Management or Fraud Risk Management
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
Ability to work weekends from Sunday - Thursday
Experience integrating AI into your daily work

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

Benefits available to all full-time Ramp employees (Global)

Flexible PTO
Centralized home-office equipment ordering
Health and wellness stipend
Budget for intra-office travel
Weekly coffee stipend

United States

100% medical, dental & 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 $10,000 per year)
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
Pet insurance
In-office perks: lunch, snacks, drinks, and more
Relocation expense coverage to NYC or SF (if needed)

Canada

Group medical, dental, and vision coverage through Sun Life
Life, AD&D, and disability coverage
Fertility drug coverage (up to $4,000 lifetime)
Group Retirement Plan with employer match (RRSP + DPSP)
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
Employee Assistance Program and virtual care through Lumino Health

United Kingdom

Private medical insurance through Freedom Elite
Virtual GP and at-home care via eMed x Livi
Workplace pension through Penfold, with salary sacrifice option
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay

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 with arrest and conviction records.

_Beware of recruiting scams: Ramp will only contact you through official @_Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.

Ramp Applicant Privacy Notice

Risk Operations Specialist, Onboarding