[Remote] Risk Operations Specialist, Payments

Note: The job is a remote job and is open to candidates in USA. Ramp is building smart infrastructure for finance teams, and they are seeking a Risk Operations Specialist to support their payment operations. This role involves managing payment workflows, resolving transaction issues, and collaborating with cross-functional teams to enhance payment systems and risk management processes.

Responsibilities

• Support the Payments Operations Lead in the daily management of payment workflows, including ACH, wire transfers, card payments, and Ramp Business Account transactions
• Monitor and reconcile payment activity, identify discrepancies, and help investigate or resolve transaction issues
• Coordinate refund and money movement processes and maintain clear communication with internal teams and customers on case status
• Collaborate with Customer Support, Risk, and Product to resolve user-reported payment or linking issues in a timely and accurate manner
• Help prepare data and documentation for audits and regulatory reporting
• Participate in cross-functional projects aimed at improving payment accuracy, reducing operational risk, and scaling payment processes
• Identify and document operational inefficiencies or gaps and propose potential improvements
• Maintain accurate process documentation and support knowledge management for the Payments Ops function
• Provide high-quality internal and external customer support through email and other communication channels

Skills

• 2–4 years of experience in Payment Operations, Financial Operations, Treasury Operations, or a related function
• Working knowledge of ACH, wire transfers, and card payment systems; familiarity with NACHA and SWIFT standards a plus
• Experience using and building with AI tools to enhance productivity, streamline workflows, or support operational decision-making
• Strong attention to detail and comfort handling complex reconciliations or operational workflows
• Excellent organizational skills and the ability to manage multiple priorities in a fast-paced environment
• Strong written and verbal communication skills; able to coordinate across teams and document processes clearly
• Analytical and problem-solving mindset with a focus on data accuracy and continuous improvement
• BA/BS degree or equivalent experience
• Experience working in fintech, payments, or high-growth startup environments
• Familiarity with SQL or basic data analysis tools for investigating issues or building reports
• Exposure to risk or compliance operations
• Experience with customer support systems (e.g., Zendesk, Salesforce)

Benefits

• Offers Equity
• Flexible PTO
• Unlimited AI token usage
• 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 Ramp
• 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 support to NYC or SF (as 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

Company Overview

Company H1B Sponsorship