About Ramp Ramp is the ultimate platform for modern finance teams. Combining corporate cards with expense management, bill payments, vendor management, accounting automation and more, Ramp's all-in-one solution is designed to save businesses time and money, and free finance teams to do the best work of their lives. Our mission is to help build healthier businesses, and it's working: over 25,000 businesses on Ramp to save an average 5% and close their books 8x faster. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables tens of billions of dollars in purchases each year. Ramp's investors include Founders Fund, Stripe, Citi, Goldman Sachs, Coatue Management, D1 Capital Partners, Redpoint Ventures, General Catalyst, and Thrive Capital, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies-Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One-as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. In 2023, Ramp was named Fast Company's #1 Most Innovative Company in North America, LinkedIn's #1 Top Startup in the U.S., a CNBC Disruptor, and a TIME100 Most Influential Company. About the Role As a founding member of Ramp's Fraud Strategy & Operations 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 on risk strategies. 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 decisioning 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 or Python for data retrieval and manipulations
- Experience within consumer/corporate/small business cards, payments, invoices, lending, or related industries
- Excellent written and verbal communication skills
Nice-to-Haves
- Experience in high growth startups
- Experience building complex financial products
Compensation
- The annual salary/OTE range for the target level for this role is $114,750-$135,000 + target equity + benefits (including medical, dental, vision, and 401(k)
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 $5,000 per year)
- WFH stipend to support your home office needs
- Wellness stipend
- Parental Leave
- Relocation support for NY
- Pet insurance