AML Operations Analyst

What You'll Do

• 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

What You 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

Nice to Haves

• AI fluency, with experience delivering automation/AI solutions in compliance
• Accreditation by ACAMS, an equivalent industry body, or other qualifications in the areas of financial crime, risk management, or compliance
• Experience supporting a growing compliance team
• Experience in high-growth start-ups, particularly in Fintech
• Experience working cross-functionally with key stakeholders such as risk, engineering, and operations teams