AML Operations Analyst, Compliance Operator

Ramp

AML Operations Analyst on Ramp's AML Team conducting investigations and supporting compliance program. Collaborating with cross-functional teams in a fast-paced fintech environment.

Posted 5/15/2026full-timeNew York City • New York • 🇺🇸 United StatesMid-LevelSenior💰 $100,000 - $150,000 per yearWebsite

About the role

Key responsibilities & impact

Review and disposition escalations from transaction monitoring alerts and internal referrals, conducting full investigations and determining reporting obligations
Draft and file Suspicious Activity Reports (SARs) and Unusual Activity Reports (UARs), ensuring narratives are accurate, defensible, and submitted within required timeframes
Flex into Sanctions, PEP, and KYC/EDD workflows as needed
Perform secondary peer reviews
Assist in the ongoing optimization of Ramp’s AML systems and tooling, including rule tuning, automation implementation, and testing
Drive workflow design updates, process improvements and simplification, and contribute to maintenance of procedures and training materials
Support responses to bank partner requests, audits, and regulatory reporting and obligations
Triage and respond to escalations from internal teams to Compliance

Requirements

What you’ll need

Minimum 4 years of experience in compliance advisory or operations teams, with at least 2 years as an AML investigator in an operations team (1LOD or 2LOD)
Experience drafting and filing SARs/UARs
Demonstrated familiarity with Sanctions, EDD, KYC/KYB and financial crimes compliance
Ability to handle multiple and fast-changing priorities
Exceptional written and verbal communication skills
Strong Investigative and critical thinking skills
Prior Fintech experience required
AI fluency, with experience delivering automation/AI solutions in compliance (Nice to Have)
Accreditation by ACAMS, an equivalent industry body, or other qualifications in financial crime, risk management, or compliance (Nice to Have)
Experience supporting a growing compliance team (Nice to Have)
Experience in high-growth start-ups, particularly in Fintech (Nice to Have)
Experience working cross-functionally with key stakeholders such as risk, engineering, and operations teams (Nice to Have)

Benefits

Comp & perks

Flexible PTO
Unlimited AI token usage
Centralized home-office equipment ordering
Health and wellness stipend
Budget for intra-office travel
Weekly coffee stipend
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 (80 days) at 100% pay
Pet insurance
In-office perks: lunch, snacks, drinks, and more
Relocation support to NYC or SF (as needed)
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 (80 days) at 100% pay, with additional time available at reduced pay
Employee Assistance Program and virtual care through Lumino Health
Private medical insurance through Freedom Elite
Virtual GP and at-home care via eMed x Livi
Workplace pension through Penfold, with salary sacrifice option

ATS Keywords

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Hard Skills & Tools

AML investigationdrafting SARsfiling UARsrule tuningautomation implementationKYCEDDfinancial crimes compliancecompliance reportingprocess improvement

Soft Skills

written communicationverbal communicationinvestigative skillscritical thinkingability to handle multiple priorities

Certifications

ACAMS accreditationfinancial crime qualificationsrisk management qualifications