Risk Operations Specialist, Payments

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. More than 50,000 businesses, from family-owned farms to e-commerce giants to space startups, have saved $10B and 27.5M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over $100 billion in purchases each year.

Ramp’s investors include Lightspeed Venture Partners, Thrive Capital, Sands Capital, General Catalyst, Founders Fund, Khosla Ventures, Sequoia Capital, Greylock, Redpoint, and ICONIQ, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart.

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 Payment Operations Specialist at Ramp, you will play a key role in supporting the day-to-day execution and efficiency of Ramp’s payment operations. You’ll partner closely with the Payments Operations Lead and cross-functional teams across Product, Finance, Customer Support, Risk, and Compliance to ensure smooth and accurate payment processing, issue resolution, and operational excellence.

This is a hands-on role focused on coordination, execution, and continuous improvement. You’ll be responsible for helping to maintain accurate payment flows, supporting operational projects, and assisting with cross-functional initiatives that enhance Ramp’s payment systems and risk management processes.

What You'll Do

• 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.

What You Need

• 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.

Nice-to-Haves

• 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 (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 $10,000 per year)

• Parental Leave

• Unlimited AI token usage

• Pet insurance

• Centralized home-office equipment ordering for all employees

• Health and Wellness stipend

• In-office perks: lunch, snacks, drinks, and more

• Budget for intra-office travel

• Relocation support to NYC or SF (as needed)

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.

Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.

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