Risk Operations Lead | Payments

Overview

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. 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. 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.

At Ramp, we take our responsibility for customers’ financial well-being seriously. Every decision is grounded in data and systematic analysis, ensuring we consistently uphold our commitment to delight our customers and safeguard their interests.

Base pay range

$112,200.00/yr - $208,400.00/yr

About Ramp

At Ramp, we’re rethinking how modern finance teams function in the age of AI. We believe AI isn’t just the next big wave. It’s the new foundation for how business gets done. We’re investing in that future — and in the people bold enough to build it. Ramp is a financial operations platform designed to save companies time and money. Our all-in-one solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built-in intelligence to maximize the impact of every dollar and hour spent. But we’re not just building features powered by AI. We’re building a platform where agents can chase receipts, close books, flag risks, and surface insights. This enables teams to reclaim their time and reinvest in what matters.

More than 40,000 businesses have saved $10B and 27.5M hours with Ramp. Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over $80 billion in purchases each year.

Ramp’s investors include Thrive Capital, Sands Capital, General Catalyst, Founders Fund, Khosla Ventures, Sequoia Capital, Greylock, and Redpoint, among others, in addition to 100+ angel investors who have been founders or executives of leading companies.

Ramp has been named to Fast Company’s Most Innovative Companies list and LinkedIn’s Top U.S. Startups for more than 3 years, as well as the Forbes Cloud 100, CNBC Disruptor 50, and TIME Magazine’s 100 Most Influential Companies.

What You’ll Do

• 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.

What You Need

• 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

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

Compensation

For candidates located in NYC or SF, the pay range for this role is $124,700 - $208,350. For candidates located in all other locations, the pay range for this role is $112,200 - $187,550.

Benefits (for U.S.-based Full-time Employees)

• 100% medical, dental & vision insurance coverage for you
  • Partially covered for your dependents
  • One Medical annual membership
• 401k (including employer match on contributions made while employed by Ramp)
• Flexible PTO
• Fertility HRA (up to $5,000 per year)
• WFH stipend to support your home office needs
• Wellness stipend
• Parental Leave
• Relocation support to NYC or SF (as needed)
• Pet insurance

Other Notices

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Management and Manufacturing