Money Laundering Reporting Officer (AML/ATF)

Location: Remote (Canada)

Salary: Canada target base salary CA$230,000–CA$315,000, plus equity. Final compensation depends on location and hiring level.

Company

Ramp builds financial infrastructure that automates payment authorization, risk detection, spend categorization, and financial close for businesses.

What you will do

• Serve as RBCC's legally appointed MLRO, owning the design, execution, and effectiveness of the Canadian AML/ATF program.
• Act as the primary regulatory contact with FINTRAC, managing supervisory correspondence, reporting, and examination readiness.
• Make suspicious transaction report filing determinations and submit STRs.
• Lead transaction monitoring, sanctions-screening triage, and investigations for the Canadian business.
• Maintain the AML/ATF risk assessment, develop compliance training, and establish operational workstreams, case types, SLAs, escalation paths, and tooling.
• Work with BMO, other financial partners, Compliance, Legal, Regulatory Affairs, Global, and Engineering teams on product expansion, automation, operational efficiency, and AI-driven initiatives.

Requirements

• 8+ years of experience in financial services compliance, AML, or related regulatory advisory roles, preferably in fintech or at a money services business.
• Deep working knowledge of FINTRAC supervisory expectations and regulations.
• Direct experience interfacing with regulators and bank partners.
• AI fluency and demonstrated experience using AI to build and scale AML programs.
• Ability to operate as a standalone compliance lead with independent judgment on filing and escalation decisions.
• Experience building an AML program from an early stage, rather than only maintaining an established program.
• Fintech or payments experience, including card issuing, corporate expense, or high-velocity digital transaction monitoring, is strongly preferred over traditional retail-branch compliance experience.

Nice to have

• Fluency in French.
• Experience supporting an MSB registration or licensing process, including provincial registrations such as Quebec.
• Prior cross-border or group compliance structure experience.
• Data analysis skills.

Culture & Benefits

• Remote work in Canada with flexible paid time off and centralized home-office equipment ordering.
• Health and wellness stipends, weekly coffee stipend, and budget for intra-office travel.
• Medical, dental, and vision coverage, with additional regional benefits varying by plan and location.
• Retirement plans with employer matching, parental leave of up to 16 weeks at full pay, and fertility support.
• Additional benefits include pet insurance, life and disability coverage, employee assistance, virtual care, and private medical options.
• Relocation expense coverage to New York City or San Francisco if needed.