As a Senior Fraud Operations Specialist at Ramp, you will be a pivotal senior member of our Fraud Operations team, safeguarding the company and its customers from fraudulent activities. You will be one of the first team members in EMEA, helping to define success as we scale. This highly independent role involves analyzing new account applications and transaction activity to identify and mitigate risks.
What You'll Do
- Analyze new account applications to detect potential fraud patterns, including identity theft, synthetic identities, and other high-risk behaviors.
- Evaluate transactional activity, identifying anomalies and irregularities indicative of fraudulent behavior.
- Thoroughly investigate alerts of first-party and third-party fraud, providing comprehensive documentation of findings.
- Collaborate with internal teams, such as Credit Risk, Compliance, and Customer Support, to ensure timely resolution of fraud-related issues.
- Communicate directly with customers to verify account activity, resolve disputes, and gather necessary documentation during investigations.
- Liaise with external stakeholders, including financial institutions and law enforcement, to support investigations and facilitate recovery efforts.
- Stay updated on emerging fraud trends, industry best practices, and regulatory requirements to enhance fraud prevention and detection measures.
- Perform root cause analyses, document control breakdowns, and work with the strategy and engineering teams to improve fraud controls.
- Document procedures and proactively identify opportunities for operational process improvement.
What We're Looking For
- Minimum 5 years of experience in fraud prevention or investigations.
- Experience within consumer/corporate/small business cards, payments, invoices, lending, or related industries.
- Excellent collaboration, written and verbal communication skills.
- Flexibility to work nights, weekends, and holidays as part of a rotating schedule to ensure 24/7 fraud monitoring and response.
Nice to Have
- Experience with NACHA rules and regulations.
- Experience in high-growth startups.
- Experience integrating AI into your daily work.
- Knowledge of SQL or Python.
Team & Environment
You will be one of the first EMEA team members, playing a key role in shaping the team's approach as Ramp grows.
Benefits & Compensation
- 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 to NYC or SF.
- Pet insurance.
Work Mode
This role is based locally in the UK.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
