Risk Operations Specialist (Payments)

Join Ramp, a fast-growing fintech company, as a Risk Operations Specialist (Payments). In this hands-on role, you will support the day-to-day execution and efficiency of Ramp's payment operations, collaborating with cross-functional teams to ensure smooth and accurate payment processing. You will be responsible for maintaining accurate payment flows, monitoring and reconciling payment activity, coordinating refund processes, and participating in cross-functional projects aimed at improving payment accuracy and reducing operational risk.

• 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.
• Participate in cross-functional projects aimed at improving payment accuracy, reducing operational risk, and scaling payment processes.
• BA/BS degree or equivalent experience
• Strong attention to detail and comfort handling complex reconciliations or operational workflows
• Analytical and problem-solving mindset with a focus on data accuracy and continuous improvement
• Strong written and verbal communication skills; able to coordinate across teams and document processes clearly
• Experience using and building with AI tools to enhance productivity, streamline workflows, or support operational decision-making
• Excellent organizational skills and the ability to manage multiple priorities in a fast-paced environment
• Working knowledge of ACH, wire transfers, and card payment systems; familiarity with NACHA and SWIFT standards a plus
• 2–4 years of experience in Payment Operations, Financial Operations, Treasury Operations, or a related function
• 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)