Risk Operations Specialist, Payments

ABOUT RAMP Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. 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 AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) - Flexible PTO - Centralized home-office equipment ordering - Health and wellness stipend - Budget for intra-office travel - Weekly coffee stipend UNITED STATES - 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents - One Medical annual membership - 401(k), including employer match on contributions made while employed by Ramp - Fertility HRA (up to $10,000 per year) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay - Pet insurance - In-office perks: lunch, snacks, drinks, and more - Relocation expense coverage to NYC or SF (if needed) CANADA - Group medical, dental, and vision coverage through Sun Life - Life, AD&D, and disability coverage - Fertility drug coverage (up to $4,000 lifetime) - Group Retirement Plan with employer match (RRSP + DPSP) - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay - Employee Assistance Program and virtual care through Lumino Health UNITED KINGDOM - Private medical insurance through Freedom Elite - Virtual GP and at-home care via eMed x Livi - Workplace pension through Penfold, with salary sacrifice option - Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay 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 http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice