Fraud Operations Specialist

About Ramp

At Ramp, we’re rebuilding 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 allinone solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with builtin 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 it’s agents who chase receipts, close books, flag risks, and surface insights. That way, teams can reclaim their time and reinvest in what actually matters.

More than 40,000 businesses, from familyowned farms to ecommerce giants to space startups, have saved $10B and 27.5M hours with Ramp. Founded in 2019, Ramp powers the fastestgrowing 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, as well as over 100 angel investors who were 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.

As a member of Ramps 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 nonmonetary transaction activity to identify and mitigate risks associated with firstparty and thirdparty fraud.

We are seeking a detailoriented 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 crossfunctionally and with customers, external financial institutions, and law enforcement agencies. Ideal candidates are selfstarters 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 highrisk behaviors.

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

• Thoroughly investigate alerts of firstparty and thirdparty fraud, providing comprehensive documentation of findings.

• Collaborate with internal teams, such as Credit Risk, Compliance, and Customer Support, to ensure timely resolution of fraudrelated 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 doesnt operate on a standard 9to5 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 247 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 consumercorporatesmall 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 in highgrowth startups

    • Experience integrating AI into your daily work

    • Knowledge of SQL or Python

    • The final compensation will depend on the location and level at which the candidate is hired.

      For candidates based in NYC or SF, the pay range is $80,000 – $147,000. For candidates in other U.S. locations, the range is $72,000 – $132,000. For candidates in Canada, the range is $100,000 – $190,000 CAD.

      Benefits (for U.S.based fulltime 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

          • Pet insurance

          • 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.

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