Risk Operations Lead, Ramp

• 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
• 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

Desirable

• 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
• 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
• 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