Ramp

**About Ramp** Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. **About the Role** Ramp is seeking an experienced Money Laundering Reporting Officer (MLRO) for its FINTRAC-registered Money Services Business entity. Under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and its Regulations, this role is the legally-appointed compliance officer responsible for implementing RBCC's AML/ATF compliance program and for reporting suspicious transactions to FINTRAC. This is a standalone, high-accountability compliance leadership role: you will own Ramp Canada’s AML program end to end, act as the primary point of contact for FINTRAC and Ramp’s financial partners in the region, and serve as the gatekeeper protecting Ramp's Canadian entity from financial crime. **What You'll Do** • Serve as RBCC's MLRO, with authority over AML/ATF program design, execution, and effectiveness • Act as primary regulatory contact with FINTRAC, managing supervisory correspondence, reporting, and exam readiness • Make STR (Suspicious Transaction Report) filing determinations and file STRs • Run day-to-day transaction monitoring and sanctions screening triage and investigation for the Canadian book • -Own and maintain RBCC's AML/ATF risk assessment, refreshing it as products, geography, and risk profile evolve (including Quebec's onboarding) • Develop, document, and deliver RBCC's ongoing compliance training program • Define and stand up the operational workstreams for Canada, including case types, SLAs, escalation paths, tooling. • Negotiate and clarify AML/compliance requirements directly with BMO (our Canadian banking partner) and other partners as new products and use cases come online • Partner with Ramp's broader Compliance, Legal, and Regulatory Affairs teams (US) on cross-border projects and Canada's continued expansion • Partner with the Global team and the Engineering team to identify areas of opportunity for automation, and operational efficiency and lead AI-driven initiatives. **What You Need** • 8+ years of financial services experience in compliance, AML, or related regulatory advisory roles, preferably in fintech or at an MSB • Deep working knowledge of FINTRAC's supervisory expectations and regulations • Direct experience interfacing with regulators and bank partners • AI Fluency and demonstrated experience leveraging AI to build and scale AML programs • Comfort operating as a standalone compliance lead with independent judgment on filing/escalation decisions • Experience building an AML program from a nascent/early stage, not only maintaining an established one • Fintech or payments domain experience (card issuing, corporate expense, high-velocity digital transaction monitoring) strongly preferred over traditional retail-branch compliance background **Nice-to-Haves** • Fluency in French • Experience supporting an MSB registration/licensing process (e.g., provincial registrations such as Quebec) • Prior cross-border/group compliance structure experience • Data analysis skills **Benefits available to all full-time Ramp employees (Global)** • Flexible PTO • Centralized home-office equipment ordering • Health and wellness stipend • Budget for intra-office travel • Weekly coffee stipend **United States** • 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay • Pet insurance • In-office perks: lunch, snacks, drinks, and more • Relocation expense coverage to NYC or SF (if needed) **Canada** • 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay • Employee Assistance Program and virtual care through Lumino Health **United Kingdom** • Private medical insurance through Freedom Elite • Virtual GP and at-home care via eMed x Livi • Workplace pension through Penfold, with salary sacrifice option • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay **Referral Instructions** If you are being referred for the role, please contact that person to apply on your behalf.   **Other notices** Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @ Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice

**About Ramp** Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $275B in annualized spend flows in and out of 85,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 7.5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. **About the Role** Ramp is launching payments across the EU through its Swedish payment institution. Our European operations team (Europs) onboards European businesses and keeps them trading, across Ramp's own regulated entities and our card-issuing and payments partners. We're a small team that runs on frontier AI tooling: our operators build and use their own automations so they can spend their time on judgement, not admin. We're hiring a KYB/AML Analyst in Stockholm to review and onboard business customers of our Swedish entity, work directly with those customers to get them live, and resolve onboarding requirements raised by our partners. You'll join a small Swedish team and help keep onboarding moving every day as we grow. **What You'll Do** • Carry out first-line (1LoD) KYB reviews of business customers onboarding with Ramp's Swedish payment institution: company verification, beneficial ownership, sanctions/PEP/adverse-media screening, and risk assessment • Decide standard cases end to end, and escalate complex or higher-risk cases with a clear rationale • Handle customer communications through onboarding: clear document requests, follow-ups and status updates • Resolve onboarding requirements from our card-issuing and payments partners for EU customers • Document decisions to a standard that holds up to second-line and regulatory review • Keep Swedish casework moving when teammates are on leave or handling incidents • Spend part of your time improving how we work: playbooks, templates and AI-assisted workflows **What You Need** • 2–4 years of KYB / AML / onboarding experience at a fintech, payment institution, EMI or bank • Solid grounding in business customer due diligence: company registers, UBO identification, sanctions/PEP screening, and spotting red flags • Fluent English, written and verbal • Clear, friendly written communication with customers • Curiosity about AI tools and how they can make casework faster and better • Based in, or relocating to, Stockholm, with the right to work in Sweden **Nice-to-Haves** • Swedish (strongly preferred) • Familiarity with Swedish sources and requirements (Bolagsverket, the beneficial ownership register, FI expectations under the Swedish AML Act) • Experience onboarding EU businesses across several jurisdictions • An additional European language **Benefits available to all full-time Ramp employees (Global)** • Flexible PTO • Centralized home-office equipment ordering • Health and wellness stipend • Budget for intra-office travel • Weekly coffee stipend **United States** • 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay • Pet insurance • In-office perks: lunch, snacks, drinks, and more • Relocation expense coverage to NYC or SF (if needed) **Canada** • 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay • Employee Assistance Program and virtual care through Lumino Health **United Kingdom** • Private medical insurance through Freedom Elite • Virtual GP and at-home care via eMed x Livi • Workplace pension through Penfold, with salary sacrifice option • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay **Referral Instructions** If you are being referred for the role, please contact that person to apply on your behalf.   **Other notices** Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.   Beware of recruiting scams: Ramp will only contact you through official @ Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.   Ramp Applicant Privacy Notice

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role Customer Activation Managers on the Partnerships team own the activation and early growth of Ramp’s partner-referred customers. As an early member of the team, you will have the opportunity to help build and refine the Partner Success program and define the implementation motion to drive activation and expansion. What You'll Do Partner Relationship Management Build and maintain strong, long-term relationships with key partners segments, including Accounting, Private Equity, and Venture Capital Serve as the trusted advisor and advocate for partners, understanding their business models, goals, and challenges. Drive Partner Enablement and Customer Activation Develop and deliver partner onboarding and education on the full range of integration and configuration options for Ramp’s suite of products Work with partners and their customers to drive efficient, thorough, and complete onboarding at scale What You Need Minimum 5 years of experience in Partner Success Fluency with partner ecosystem operations Exceptional project management and time management Excellent verbal and written communication Experience working with technical counterparts in Product and Engineering to share feedback, troubleshoot, and ideate workarounds as needed Desire to learn our product inside out. Understand why Ramp was built the way it was and know how to communicate this effectively Proven track record of exceeding quota and/or outperforming key target metrics Ability to anticipate customer needs and position product solutions accordingly High adaptability and ability to thrive in a fast-paced environment Nice to Haves Experience with accounting partners, Private Equity, and/ or Venture Capital Experience contributing to the development and growth of new teams Familiarity with accounting software, including QuickBooks Online, NetSuite, Sage, and Microsoft Dynamics Experience with financial services sales Experience at a high-growth startup Benefits available to all full-time Ramp employees (Global) Flexible PTO Centralized home-office equipment ordering Health and wellness stipend Budget for intra-office travel Weekly coffee stipend United States 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay Pet insurance In-office perks: lunch, snacks, drinks, and more Relocation support to NYC or SF (as needed) Canada 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay Employee Assistance Program and virtual care through Lumino Health United Kingdom Private medical insurance through Freedom Elite Virtual GP and at-home care via eMed x Livi Workplace pension through Penfold, with salary sacrifice option Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay Referral Instructions If you are being referred for the role, please contact that person to apply on your behalf. Other notices Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. Beware of recruiting scams: Ramp will only contact you through official @ Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process. Ramp Applicant Privacy Notice

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role The Solutions Team are technical experts that work directly with customers and partners to provide world-class product, sales, industry, and domain expertise. Through deep customer/partner and product understanding, Partner Consultants are trusted advisors externally, and able to positively influence the product roadmap internally. Partner Consultants support Ramp’s Partner Managers across our diverse channel ecosystem — including accounting firms, value-added resellers, private equity firms, and more — by delivering deep product expertise and workflow advisement to partners and their clients. PCs build partner competency, guide best-practice adoption, and strengthen partner trust in Ramp’s capabilities to help them drive meaningful outcomes for the businesses they serve. What You’ll Do Partner with Channel, Partnerships, Sales, Product and Partner Firms to advocate for product & integration development in-line with customer needs Collaborate with Ramp Channel Partner Managers to showcase technical accounting features and benefits through customized product demos, workflow illustrations, and enablement creation to onboard and train Ramp's partners Help partners build service packages targeted at Ramp customers and identify opportunities for client-advisory services or managed-services. Develop product solutions based on a deep understanding of integration and configuration options, ensuring effective alignment with customer needs Architect, advise on, and validate custom API-based integrations between Ramp and third-party platforms — supporting partners in the design, build, and testing of reliable, scalable integrations. Support Sales and Post-Sales teams in executing advanced technical and accounting implementations for Ramp in conjunction with Channel partners Evaluate customer requirements for new partner opportunities, determining Ramp's suitability through use-case analysis, ROI assessments, and technical evaluations during customer discovery Work alongside Channel, Product, Product Marketing, and Product Operations to create and maintain technical assets and an internal knowledge base of customer use cases and best practices What You Need 6+ years of experience in Partner Architecture, Solutions Consulting, Sales Engineering, Solutions Architecture, or similar customer-facing roles, focusing on implementing business SaaS solutions Bachelor's degree in computer science, engineering, business, finance, accounting or related field Strong communication skills: able to translate complex technical solutions into business value, guide customers toward scalable approaches, and diplomatically steer conversations when requests are misaligned with best practices or product capabilities Experience in channel sales, working with SIs & ISVs highly desired Expertise in API architecting between finance based software programs Proficiency in IdP, HRIS, and/or ERP solutions. Expertise in accounting systems, controllership needs, and finance/accounting workflows Exceptional organizational, project management, and time management abilities Strong skills in engineering, system design, and technical specification writing Proactive mindset, adaptability, and comfort in a fast-paced, high-growth startup environment Benefits available to all full-time Ramp employees (Global) Flexible PTO Centralized home-office equipment ordering Health and wellness stipend Budget for intra-office travel Weekly coffee stipend United States 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay Pet insurance In-office perks: lunch, snacks, drinks, and more Relocation expense coverage to NYC or SF (if needed) Canada Group medical, dental, and vision coverage through Sun Life Life, AD&D, and disability coverage Fertility drug coverage (up to

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role Ramp is, at its core, a fintech company. Our financial infrastructure enables us to issue cards, move money globally, and manage treasury flows for our customers. Stablecoins are emerging as a critical lever to make these flows faster, cheaper, and more accessible. We are looking for a Software Engineer to join our engineering team with a dedicated focus on stablecoin-based payment and treasury systems. In this role, you will act as both a technical owner and multiplier: working on core stablecoin services, ensuring secure and reliable integrations with external partners, and guiding Ramp’s evolution toward next-generation fintech solutions. Our ideal candidate combines deep curiosity about eventually consistent distributed systems with strong financial infrastructure experience, thrives in highly regulated and mission-critical environments, and has a passion for diving into new problem spaces. What You'll Do Help build & scale Ramp’s stablecoin-based payment and treasury infrastructure Partner with external providers and internal stakeholders to deliver end-to-end product flows Solve Ramp’s toughest fintech challenges with new technologies Collaborate with engineers across Ramp to integrate stablecoin capabilities into core products What You Need Minimum 5+ years of experience shipping high-quality architectures for critical systems preferred Proven experience with stablecoin technologies, blockchain-based payment rails, and/or wallet infrastructure Strong production experience with cloud environments (AWS, GCP, or Azure) and Infrastructure-as-Code (Terraform or equivalent) Deep proficiency in at least one object-oriented or functional programming language (Python, Go, Java, or similar) Experience working on security-sensitive systems, with interest in key management, wallet security, or secure transaction flows. Experience building or operating payments, money movement, treasury, stablecoin, or crypto infrastructure in production environments Nice to Have Intuition for on-chain UX and settlement mechanics, including wallet-based transaction signing, confirmation/finality, and chain-level tradeoffs like fees and latency. Direct experience building on-chain wallets or with integrating a crypto onramp / offramp APIs for custody and remittance flows Experience integrating with external financial service providers and APIs at scale Familiarity with cross-border settlement, FX, or treasury management systems Background in highly regulated fintech environments (e.g., payments, banking, or government-compliant infrastructure) Benefits available to all full-time Ramp employees (Global) Flexible PTO Centralized home-office equipment ordering Health and wellness stipend Budget for intra-office travel Weekly coffee stipend United States 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay Pet insurance In-office perks: lunch, snacks, drinks, and more Relocation expense coverage to NYC or SF (if needed) Canada 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 (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay Employee Assistance Program and virtual care through Lumino Health United Kingdom Private medical insurance through Freedom Elite Virtual GP and at-home care via eMed x Livi Workplace pension through Penfold, with salary sacrifice option Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay Referral Instructions If you are being referred for the role, please contact that person to apply on your b