Fraud Operations Specialist (AI)

Location: Hybrid in New York, NY or San Francisco, CA; remote options available in the United States and Canada. The role requires a rotating schedule covering nights, weekends, and holidays for 24/7 fraud monitoring. Relocation expense coverage to NYC or SF is available for US employees if needed.

Salary: SF/NY target base salary $90,000–$155,000; nationwide US target base salary $80,000–$135,000; Canada target base salary CA$105,000–CA$185,000. Equity is offered.

Company

Ramp builds financial infrastructure that automates payments, risk flagging, spend categorization, and financial close processes for businesses.

What you will do

• Analyze account applications and transaction activity for identity theft, synthetic identities, anomalies, and other fraud patterns.
• Investigate first-party and third-party fraud alerts, document findings, and resolve customer card disputes within network timelines.
• Use AI tools and automation to streamline investigations and improve related processes and tooling.
• Collaborate with Credit Risk, Compliance, Customer Support, strategy, and engineering teams to resolve fraud issues and strengthen controls.
• Communicate with customers, financial institutions, and law enforcement to verify activity, gather documentation, and support recovery efforts.
• Monitor emerging fraud trends and regulatory requirements, perform root cause analyses, document control breakdowns, and improve procedures.

Requirements

• At least 2 years of experience in fraud prevention or investigations.
• Experience with consumer, corporate, or small-business cards, payments, invoices, lending, or related industries.
• Strong collaboration, written communication, and verbal communication skills.
• Flexibility to work nights, weekends, and holidays on a rotating schedule for 24/7 monitoring and response.

Nice to have

• Experience with NACHA rules and regulations.
• Experience with card network rules, disputes, and chargeback processes.
• Experience with funds recovery, including hold harmless letters and ACH recalls.
• Experience in high-growth startups.
• Experience integrating AI into daily work.
• Knowledge of SQL or Python.

Culture & Benefits

• Full-time employees receive flexible PTO, centralized home-office equipment ordering, a health and wellness stipend, an intra-office travel budget, and a weekly coffee stipend.
• US benefits include medical, dental, and vision coverage, One Medical membership, a 401(k) with employer match, fertility HRA, paid parental leave, pet insurance, and in-office meals and refreshments.
• Canada benefits include medical, dental, vision, life, disability, fertility, retirement-plan matching, paid parental leave, an employee assistance program, and virtual care.
• UK benefits include private medical insurance, virtual and at-home care, a workplace pension, and paid parental leave.

Hiring process

• Referred candidates must contact the referring person so that person can apply on their behalf.
• Qualified applicants with arrest and conviction records will be considered in accordance with the San Francisco Fair Chance Ordinance.