Financial Crimes Compliance Strategist

The problems are high-stakes, data-dense, and unforgiving.

About the Role

As a member of Ramp’s Financial Crimes Compliance Team, you will play a key role in executing Ramp’s Anti–money laundering (AML) and sanctions compliance program. You will be responsible for conducting investigations, preparing unusual and suspicious activity reports (UARs, SARs), driving process improvement, and supporting AI and automation initiatives for the AML program.

This role is primarily focused on comprehensive investigations arising from escalated transaction-monitoring alerts and internal referrals. You will evaluate the customer relationship and relevant activity holistically, document clear and defensible risk conclusions, and prepare high-quality SARs and UARs when appropriate. You will flex into other Financial Crimes Compliance workflows as business needs evolve, including sanctions, politically exposed persons (PEPs), and enhanced due diligence reviews.

You will also help strengthen how Financial Crimes Compliance operates. This is an opportunity for someone who combines rigorous risk-based judgment with a builder mindset: improving review workflows, quality standards, and procedures while partnering with Product, Engineering, Design, Data (PEDD) to develop the tooling, automation, and AI-enabled capabilities that will allow Ramp to scale responsibly.

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.

What You’ll Do

• Lead comprehensive investigations of escalated transaction-monitoring alerts and internal referrals, maintaining appropriate case documentation, making defensible risk-based decisions, and meeting regulatory reporting obligations.

• Recommend account actions or restrictions based on financial crimes risk, and present findings and recommendations to the Account Review Board.

• Draft and file SARs and prepare applicable partner reporting, ensuring narratives are clear, evidence-based, timely, and confidential.

• Conduct secondary and peer reviews of investigations and filings, strengthening quality, consistency, and investigator judgment.

• Identify and drive practical improvements to investigation workflows, procedures, quality standards, tooling, and training.

• Partner with Compliance, Risk, PEDD, and Operations to build scalable workflows, automation, and AI-enabled capabilities.

• Flex into other Financial Crimes Compliance work, including sanctions, PEPs, customer due diligence, and enhanced due diligence reviews, as program needs require.

What You Need

• Minimum 5 years of experience in BSA/AML advisory or operations teams, with at least 2 years in BSA/AML investigations

• Demonstrated experience drafting and filing SARs and making recommendations to leadership on account actions such as offboarding or risk acceptance

• At least 1 year of experience conducting secondary or peer reviews of financial-crimes investigations

• Deep knowledge of money-laundering and terrorist-financing typologies, with the ability to apply that knowledge to Ramp’s products, payment flows, and business-customer risk.

• Demonstrated experience improving financial-crimes processes, procedures, controls, tooling, training, or quality standards.

• AI fluency, including the ability to design repeatable, validated multi-step AI-assisted workflows with clear inputs, outputs, review checkpoints, and defined processes to identify, correct, and improve unreliable results.

• Prior Fintech experience

Nice to Haves

• Experience working with bank partners, card issuers, payment partners, or other regulated financial-services partners, including diligence requests, audits, reporting, or operational escalations.

• ACAMS certification or an equivalent qualification.

• Experience delivering automation or AI-assisted workflow improvements in a regulated compliance environment.

• 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

• Fertility HRA (up to $10,000 per year)

• Pet insurance

• In-office perks: lunch, snacks, drinks, and more

Canada

• Group medical, dental, and vision coverage through Sun Life

• Life, AD&D, and disability coverage

• Fertility drug coverage (up to $4,000 lifetime)

United Kingdom

• Private medical insurance through Freedom Elite

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