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 $100B in annualized spend flows in and out of 50,000+ 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
As a member of Ramp's Fraud Strategy team, you will leverage data to develop and optimize fraud strategies, including underwriting (KYC/B, OFAC, fraud risk) and customer management (payment, transactions, account take-over) strategies. This role requires an understanding of fraud concepts & data sources, fluency with data, and the ability to drive a broad set of projects fairly independently. The role also requires the ability to work with cross-functional teams (product, engineering, operations, finance, marketing, sales, and design) to influence and execute risk strategies.
You will be given significant ownership of your projects, with the freedom and autonomy to innovate and execute your ideas, empowering you to do your best work and make a meaningful impact. As you successfully drive impactful changes to our fraud prevention policies, you will be entrusted with larger projects and more strategic initiatives, expanding your influence within the company.
What You’ll Do
Leverage external and internal performance data to come up with insights to develop best-in-class fraud policies (e.g. identity/first-party fraud, transaction fraud, account takeover fraud, KYC/B, etc.) that will create value for Ramp and its customers
Deep dive into individual fraud events to perform root cause analyses, and combine the insights with a data-driven approach to develop fraud defenses
Partner with product, engineering, and design teams to execute fraud policies and features
Implement fraud risk metric monitoring by researching/resolving risk events, and developing levers that mitigate risk factors
Partner with data scientists to build and leverage fraud risk models in Ramp’s risk policy
Drive Ramp’s customer experience by diving deep into the flow of funds (repayments, chargebacks, etc.)
Research emerging underwriting and fraud trends to innovate on Ramp's decision systems and policies
What You Need
Minimum 2 years of experience in fraud risk management or quantitative strategy role
Minimum 2 years of experience using SQL, Python, or R for data retrieval and manipulation
Excellent written and verbal communication skills
Nice to Haves
Experience in high-growth startups
Experience within consumer/corporate/small business cards, payments, invoices, lending, or related industries
We are hiring analysts across multiple levels. If you are excited to work on complex, strategic problems in the fraud domain and help build world-class user experiences while protecting Ramp from bad actors, we encourage you to apply.
Compensation
For candidates located in NYC or SF, the target pay range for this role is $102,300 - $220,000
For candidates located in all other locations, the target pay range for this role is $92,100 - $200,000.
Analyst pay range: $92,100 - $128,000
Associate pay range: $108,00 - $150,400
Senior Associate pay range: $137,000 - $190,000
Lead pay range: $160,000 - $220,000
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)
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
Compensation Range: $92.1K - $220K