Senior Fraud Risk Associate

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 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 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, from familyowned farms 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, 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.

About the Role

As a member of Ramps Fraud Strategy team, you will leverage data to develop and optimize fraud strategies, including underwriting (KYCB, OFAC, fraud risk) and customer management (payment, transactions, account takeover) strategies. This role requires an understanding of fraud concepts & data sources, fluency with data, and the ability to drive a broad set of projects fairly independently. The role also requires the ability to work with crossfunctional teams (product, engineering, operations, finance, marketing, sales, and design) to influence and execute risk strategies.

You will be given significant ownership of your projects, with the freedom and autonomy to innovate and execute your ideas, empowering you to do your best work and make a meaningful impact. As you successfully drive impactful changes to our fraud prevention policies, you will be entrusted with larger projects and more strategic initiatives, expanding your influence within the company.

What You’ll Do

• Leverage external and internal performance data to come up with insights to develop bestinclass fraud policies (e.g. identityfirstparty fraud, transaction fraud, account takeover fraud, KYCB, etc.) that will create value for Ramp and its customers

• Deep dive into individual fraud events to perform root cause analyses, and combine the insights with a datadriven approach to develop fraud defenses

• Partner with product, engineering, and design teams to execute fraud policies and features

• Implement fraud risk metric monitoring by researchingresolving risk events, and developing levers that mitigate risk factors

• Partner with data scientists to build and leverage fraud risk models in Ramp’s risk policy

• Drive Ramp’s customer experience by diving deep into the flow of funds (repayments, chargebacks, etc.)

• Research emerging underwriting and fraud trends to innovate on Ramps decision systems and policies

• What You Need

  • Minimum 5 years of experience in fraud risk management or quantitative strategy role

  • Minimum 5 years of experience using SQL, Python, or R for data retrieval and manipulation

  • Excellent written and verbal communication skills

  • Nice to Haves

    • Experience in highgrowth startups

    • Experience within consumercorporatesmall business cards, payments, invoices, lending, or related industries

    • Compensation

      For candidates located in NYC or SF, the pay range for this role is $151,500 $208,350

      For candidates located in all other locations, the pay range for this role is $136,400 $187,550.

      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 (as needed)

          • 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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