Risk Operations Specialist, Onboarding

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.

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

We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At the company, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.

The median the company customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without the company. We believe every ambitious company deserves the same.

If you want to build systems that directly shape how companies move and manage billions, the company is the place to do it.

About the Role As a member of the company's Risk Strategy & Operations, you will drive operational initiatives related to underwriting, customer risk management, and fraud. This role requires an understanding of underwriting processes, fluency with data, and the ability to analyze risk vectors such as credit and fraud risks. We take our responsibility to serve our customers’ commitment to their financial health seriously, and our approach is anchored in data-driven and systematic decisions to delight our customers.

Please note:

This role follows a Sunday-Thursday workweek.

• Develop and execute the company’s risk underwriting policy used to onboard new business to the the company platform across corporate credit card and bill pay products
• Build and maintain monitoring dashboards for underwriting outcomes, processes and losses
• Partner with product and engineering to build best in class risk tooling to increase operations efficiency
• Research emerging underwriting and fraud trends to innovate on the company's decisioning systems and policies
• Provide best in class customer experience, while managing credit and fraud risk, by effectively managing customer support requests on their application over phone and email
• Have the ability to grow, develop and learn in a fast-paced, start-up environment
• Identify emerging risks and use AI and automation to improve decision quality and efficiency

• Minimum 1-2 years of experience in Underwriting, Credit Risk Management or Fraud Risk Management
• Experience with in 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
• Ability to work weekends from Sunday - Thursday
• Experience integrating AI into your daily work

• Experience in high growth startups
• Experience building complex financial products
• Knowledge of SQL or Python
• Strong background in customer support via phone

• Flexible PTO
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend

• 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
• One Medical annual membership
• 401(k), including employer match on contributions made while employed by the company
• Fertility HRA (up to $10,000 per year)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
• Pet insurance
• In-office perks: lunch, snacks, drinks, and more
• Relocation expense coverage to NYC or SF (if needed)

• Group medical, dental, and vision coverage through Sun Life
• Life, AD&D, and disability coverage
• Fertility drug coverage (up to $4,000 lifetime)
• Group Retirement Plan with employer match (RRSP + DPSP)
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
• Employee Assistance Program and virtual care through Lumino Health

• Private medical insurance through Freedom Elite
• Virtual GP and at-home care via eMed x Livi
• Workplace pension through Penfold, with salary sacrifice option
• Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay