Risk Operations Specialist, Payments

Ramp•New York, NY

11d

About The Position

As a Payment Operations Specialist at Ramp, you will play a key role in supporting the day-to-day execution and efficiency of Ramp’s payment operations. You’ll partner closely with the Payments Operations Lead and cross-functional teams across Product, Finance, Customer Support, Risk, and Compliance to ensure smooth and accurate payment processing, issue resolution, and operational excellence. This is a hands-on role focused on coordination, execution, and continuous improvement. You’ll be responsible for helping to maintain accurate payment flows, supporting operational projects, and assisting with cross-functional initiatives that enhance Ramp’s payment systems and risk management processes.

Requirements

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)

Responsibilities

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.