Risk Operations Specialist, Payments

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 (for U.S.-based full-time employees)

• 100% medical, dental & vision insurance coverage for you (partially covered for your dependents)
• One Medical annual membership
• 401k (including employer match on contributions made while employed by Ramp)
• Flexible PTO
• Fertility HRA (up to $10,000 per year)
• Parental Leave
• Unlimited AI token usage
• Pet insurance
• Centralized home-office equipment ordering for all employees
• Health and Wellness stipend
• In-office perks: lunch, snacks, drinks, and more
• Budget for intra-office travel
• Relocation support to NYC or SF (as needed)