Risk Operations Specialist, Onboarding (Fintech)

Location: Hybrid in New York, NY or San Francisco, CA, with remote work available in the United States. Sunday–Thursday workweek. Relocation expense coverage to NYC or SF may be available.

Salary: SF/NY target base salary of $110K–$155K; nationwide target base salary of $100K–$140K. Equity offered.

Company

Ramp builds financial infrastructure for finance teams, automating payments, risk flagging, spend categorization, and bookkeeping for more than 85,000 companies.

What you will do

• Develop and execute underwriting policies for onboarding businesses to corporate credit card and bill pay products.
• Build and maintain dashboards monitoring underwriting outcomes, processes, and losses.
• Partner with product and engineering to build risk tooling that improves operational efficiency.
• Research emerging underwriting and fraud trends and improve decisioning systems and policies.
• Manage customer application support requests by phone and email while balancing customer experience with credit and fraud risk.
• Identify emerging risks and use AI and automation to improve decision quality and efficiency.

Requirements

• 1–2 years of experience in underwriting, credit risk management, or fraud risk management.
• Experience in consumer, corporate, or small-business cards, payments, invoices, lending, or related industries.
• Excellent written and verbal communication skills.
• Strong customer support experience via email.
• Investigative and critical-thinking skills.
• BA/BS from an accredited university.
• Ability to work Sunday through Thursday, including weekends.
• Experience integrating AI into daily work.

Nice to have

• Experience in high-growth startups.
• Experience building complex financial products.
• Knowledge of SQL or Python.
• Strong customer support experience via phone.

Culture & Benefits

• Fast-paced startup environment with ownership of problems and data-driven decision-making.
• Flexible paid time off, home-office equipment ordering, health and wellness stipend, intra-office travel budget, and weekly coffee stipend.
• US employees receive medical, dental, and vision coverage, One Medical membership, 401(k) with employer match, fertility HRA, parental leave, pet insurance, and in-office meals and refreshments.

Hiring process

• Referred candidates must contact the referring person, who applies on their behalf.
• Ramp considers qualified applicants with arrest and conviction records in accordance with the San Francisco Fair Chance Ordinance.