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

About the Role

As a member of Ramp's Fraud Operations team, you will play a pivotal role in safeguarding the company and its customers against fraudulent activities. This position involves analyzing new account applications, monetary and non-monetary account activity to identify and mitigate risks associated with first-party and third-party fraud.

We are seeking a detail-oriented professional who is adept at applying fraud detection techniques and leveraging data sources and tools to develop logical courses of action. In addition to technical acumen, this role requires strong interpersonal and communication skills to interact effectively cross-functionally and with customers, external financial institutions, and law enforcement agencies. Ideal candidates are self-starters who are energized by ambiguity and love creating clarity.

What You'll Do

• Analyze new account applications to detect potential fraud patterns, including identity theft, synthetic identities, and other high-risk behaviors.

• Evaluate transactional activity, identifying anomalies and irregularities indicative of fraudulent behavior.

• Thoroughly investigate alerts of first-party and third-party fraud, providing comprehensive documentation of findings.

• Investigate and facilitate customer card disputes, ensuring cases are resolved accurately and within network timelines.

• Use AI tools and automation to streamline investigations, and help develop and improve the processes and tooling behind them.

• Collaborate with internal teams, such as Credit Risk, Compliance, and Customer Support, to ensure timely resolution of fraud-related issues.

• Communicate directly with customers to verify account activity, resolve disputes, and gather necessary documentation during investigations.

• Liaise with external stakeholders, including financial institutions and law enforcement, to support investigations and facilitate recovery efforts when necessary.

• Stay updated on emerging fraud trends, industry best practices, and regulatory requirements to enhance fraud prevention and detection measures.

• Perform root cause analyses, document control breakdowns, and work with the strategy and engineering teams to improve fraud controls.

• Document procedures and proactively identify opportunities for operational process improvement.

Work Schedule Requirements

Fraud doesn't operate on a standard 9-to-5 schedule, and neither does this role. Candidates must have the flexibility to work nights, weekends, and holidays as part of a rotating schedule to ensure 24/7 fraud monitoring and response. This is essential to maintaining Ramp’s commitment to protecting its customers and minimizing risk around the clock.

What You Need

• Minimum 2 years of experience in fraud prevention or investigations

• Experience within consumer/corporate/small business cards, payments, invoices, lending, or related industries

• Excellent collaboration, written and verbal communication skills

Nice-to-Haves

• Experience with NACHA rules and regulations

• Experience with card network rules and regulations, including dispute and chargeback processes

• Experience with funds recovery processes, including hold harmless letters and ACH recalls

• Experience in high-growth startups

• Experience integrating AI into your daily work

• Knowledge of SQL or Python

• 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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