KYB Operations Lead (Fintech)

Location: London, UK; on-site

Target base salary: £95K–£130K per year, plus equity. Final compensation depends on location and hiring level.

Company

Ramp builds smart financial infrastructure for finance teams, automating payment authorization, risk flagging, spend categorization, and book-closing across more than 85,000 companies.

What you will do

• Line-manage and develop UK operators through prioritization, 1:1s, performance management, and hands-on coaching.
• Own queue management and resourcing for UK onboarding, including prioritization, leave coverage, and volume spikes.
• Make first-line decisions on complex cases involving ownership structures, enhanced due diligence, PEPs, adverse media, and escalation judgment.
• Manage escalations with card-issuing and payments partners and convert recurring fixes into repeatable playbooks.
• Improve customer-facing onboarding communications, operational metrics, decision standards, and processes with Product and Engineering.
• Provide hands-on backup for UK safeguarding, including daily reconciliations and investigation of breaks.

Requirements

• 5+ years of experience in KYB, onboarding, or financial-crime operations at a UK fintech, EMI, PI, or bank.
• Practical knowledge of the UK regulatory framework for EMIs and PIs, including the MLRs 2017, JMLSG guidance, and FCA customer due-diligence expectations.
• Strong judgment in complex business-customer cases involving multi-layer ownership, overseas parents, trusts, and PEPs, including knowing when to escalate.
• Clear written communication with customers and in documented case decisions.
• Demonstrated use of AI tools in day-to-day work, supported by concrete examples.
• A bias toward fixing processes rather than only working the queue.

Nice to have

• Line-management experience with operators or analysts.
• Experience working with card-issuing, BaaS, or payments partners on onboarding, including partner due-diligence requests and sample reviews.
• Safeguarding or client-money reconciliation experience.
• Experience writing requirements for Product and Engineering teams.
• EU onboarding experience or a second European language.

Culture & Benefits

• Flexible PTO and centralized home-office equipment ordering.
• Health and wellness stipend, weekly coffee stipend, and budget for intra-office travel.
• Regional medical, dental, vision, life, disability, and private medical coverage options.
• Retirement or workplace pension plans with employer matching where applicable.
• Parental leave of up to 16 weeks for birthing and bonding or 8 weeks for bonding only at 100% pay, with additional reduced-pay leave available in some regions.
• Additional benefits include fertility support, pet insurance, employee assistance, virtual care, and in-office meals, snacks, and drinks.