# Risk Operations Specialist, Payments

**Company:** [Ramp](https://hotfix.jobs/companies/ramp)
**Location:** New York, NY, San Francisco, CA, Miami, FL
**Role:** Finance & Accounting
**Salary:** $100K-$184K
**Experience:** 2+ years
**Skills:** Ach, Wire Transfers, Card Payments, Nacha, Swift, SQL, AI Tools, Zendesk, Salesforce, Reconciliations
**Posted:** 2026-03-11

> Supports daily payment operations including ACH, wires, and card transactions at a fintech company. Monitors activity, resolves issues, collaborates cross-functionally, and drives process improvements. Requires 2-4 years experience in payments or financial ops and a bachelor's degree.

## Job Description

## 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)

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