Summary

About the Role

As the founding member of the Payments Operations team within Ramp’s Risk Strategy & Operations team, you will be instrumental in driving operational initiatives related to payments. This position demands a strong command of payment methodologies, operational workflows, and regulatory requirements, as well as the ability to identify and manage various risk vectors—particularly credit and fraud. You will collaborate closely with cross-functional partners in Product, Finance, Customer Support, Treasury, and Compliance to oversee the full payment lifecycle, troubleshoot issues, and deliver a seamless payment experience.

At Ramp, we take our responsibility for customers’ financial well-being seriously. Every decision is grounded in data and systematic analysis, ensuring we consistently uphold our commitment to delight our customers and safeguard their interests.

What You’ll Do

1. Shape and implement Ramp’s risk payment policy for key internal and external interactions, including managing payment holds/requests, wire reconciliations, international payment reconciliation, and hold harmless for Ramp’s corporate credit card, bill pay, Ramp Business Accounts/Treasury products.
2. Promptly triage, investigate, and reconcile inaccuracies across payment transactions (e.g., ACH, wire transfers, card payments, Ramp Business Accounts), debit check errors, and bank linking issues.
3. Manage refund requests and chargeback workflows while keeping stakeholders regularly updated on their status.
4. Work closely with Compliance and Legal teams to meet reporting requirements and successfully navigate audits.
5. Join and work with Payment Associations and be the primary representative for Ramp within those associations.
6. Proactively identify operational gaps and propose innovative solutions to reduce risk exposure.
7. Partner with Product and Engineering teams to design and deploy state-of-the-art risk management tools that enhance operational efficiency.
8. Deliver exceptional customer service by efficiently handling support requests via phone and email, while expertly managing credit and fraud risk.
9. Thrive in a fast-paced, start-up environment with a continuous drive to learn, grow, and innovate.

What You Need 

1. Minimum 5 years of experience in Payment Operations, Payment Compliance, Payments Strategy, or related experience
2. Well-versed in ACH, NACHA, Swift rules and FX payments 
3. Experience within consumer/ corporate/ small business cards, payments, invoices, lending, or related industries
4. Excellent written and verbal communication skills
5. Strong background in customer support via email 
6. Investigative and critical thinking skills
7. BA/BS from an accredited university

Nice-to-Haves

1. Experience in high-growth startups
2. Experience building complex financial products
3. Knowledge of SQL or Python
4. Strong background in customer support via phone

Compensation

For candidates located in NYC or SF, the pay range for this role is $124,700 - $208,350.

For candidates located in all other locations, the pay range for this role is $112,200 - $187,550.

Skills

• Communications Skills
• Critical Thinking
• Database Management
• Python
• Risk Analysis
• SQL
• Team Collaboration