KYB Operations Lead

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 scaling fast in the UK. Our European operations team (Europs) onboards UK and EU businesses across Ramp’s own regulated entities and our card-issuing and payments partners. We’re a small team of specialists that runs on frontier AI tooling. Everyone builds and maintains their own automations and apps, and we’ve taken daily processes from hours to minutes. We’re hiring a senior UK KYB expert to raise the bar on how we onboard UK businesses. You’ll work the hardest cases and make the final first-line call, own escalations with our partners, keep the UK queue moving, and build the fixes that stop the same problems coming back. This is a hands-on role for someone who would rather redesign a broken requirement than work around it, and who is as comfortable in a difficult ownership structure as in the data on why cases get stuck.

What You'll Do

• Work the hardest UK onboarding cases yourself and make the final first-line (1LoD) call: complex ownership structures, EDD, PEP and adverse-media outcomes, and anything that needs judgement rather than a checklist

• Keep the UK queue moving: spot what’s stuck, decide what matters most, and pick up cases yourself through leave and spikes in volume

• Be the senior expert the UK team leans on: share your reasoning on hard cases, raise the bar on decisions, and help everyone get better at building as well as reviewing

• Own escalations with our card-issuing and payments partners, including recurring failures, disputed or unnecessary requirements, and turning each fix into a repeatable playbook

• Set the standard for customer-facing onboarding communications: clear requests, fast follow-ups, no avoidable back-and-forth

• Build fixes, not workarounds: automate your own work with AI, and work with Product and Engineering to remove requirements customers shouldn’t have to meet twice

• Define and track operational metrics (caseload by provider, time to close, handling time) and use them to decide what to fix next

• Write consistent, evidenced 1LoD decision standards that hold up to partner sample reviews and second-line scrutiny

What You Need

• 5+ years in KYB / onboarding / financial-crime operations at a UK fintech, EMI, PI or bank

• Practical working knowledge of the UK regulatory framework for EMIs/PIs: MLRs 2017, JMLSG guidance, and FCA expectations for customer due diligence

• Strong judgement on complex business customers: multi-layer ownership, overseas parents, trusts, PEPs, and knowing when to escalate

• Clear written communication, both with customers and in documented case decisions

• Demonstrated use of AI tools in your day-to-day work to go faster or do better work, with concrete examples

• A bias to fix the process rather than just work the queue

Nice-to-Haves

• Line management of operators or analysts (strongly preferred)

• Experience working with card-issuing, BaaS or payments partners on onboarding (e.g. partner due-diligence requests, sample reviews)

• Safeguarding / client-money reconciliation experience

• Writing requirements for Product and Engineering teams

• EU onboarding experience or a second 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.

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