R

Ramp

Runs corporate cards and finance workflows

Machine Learning Engineer

Full-TimeUpdated on 10/23/2026
$200k - $330k/yr+ Relocation expense coverage
Senior
Bachelor's, PhD
New York, NY, USA+1 moreMore locations: United States
Hybrid
AI & Machine LearningApplied Machine Learning

About the job

Requirements
  • A bachelor's degree or above in Mathematics, Economics, Physics, Computer Science, or another quantitative field.
  • A minimum of 5 years of industry experience as a Machine Learning Engineer, Applied Scientist, or Data Scientist.
  • Strong Python experience across machine-learning techniques and backend engineering, including NumPy, pandas, scikit-learn, and PyTorch.
  • Prior experience deploying machine-learning models to production and making meaningful contributions to backend systems.
  • Strong knowledge of SQL, such as Snowflake and Postgres.
  • Fluency with agentic AI tools for software development and data analysis.
  • Ability to thrive in a fast-paced, continually improving startup environment focused on solving problems with iterative technical solutions.
Responsibilities
  • Employ statistical and machine-learning techniques on large datasets to discover patterns of fraud, platform abuse, and identity theft.
  • Prototype and productionize machine-learning models and rules-based systems to protect Ramp and its users from fraud.
  • Partner with Fraud Engineering and Data Platform teams to augment and leverage data across first- and third-party sources, adding context to each decision.
  • Influence processes, tools, and systems that help the machine-learning team make better decisions at scale.
Desired Qualifications
  • A PhD in Mathematics, Economics, Physics, Computer Science, or another quantitative field.
  • Context on fraud and/or identity threat detection systems.
  • Experience at a high-growth startup.
  • Experience with the modern data stack, such as Snowflake, Hex, dbt, and RisingWave.
  • A strong perspective on the data science and machine-learning engineering development cycle, especially in a post-AI setting.
  • Experience developing LLM-backed systems or tools.

About the company

Ramp runs a financial operations platform for businesses and their finance teams, linking corporate cards with expense records and invoice payments. Finance teams use its software to collect receipts, approve spending and send transaction data to their accounting systems, while employees submit expenses through connected apps. Its Router service also directs AI requests across outside model providers, selecting models based on cost and performance. Customers use a free core plan or pay for broader software automation features, with partner banks issuing cards and providing deposit services. Ramp was founded in 2019 and has its headquarters in New York City.

Company Size

1,001-5,000

Company Stage

Growth Equity (Venture Capital)

Total Funding

$5.4B

Headquarters

New York City, New York

Founded

2019

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Simplify's Take

What believers are saying

  • AI investment has fresh capital: Ramp raised $750 million in primary funding in June 2026 to develop financial automation.
  • Staff receive ongoing support: Ramp offers a 401(k) employer match and monthly wellness stipend alongside its financial-technology work.
  • Customer reach extends beyond startups: Ramp reports more than 70,000 businesses using its financial operations platform.

What critics are saying

  • Card issuance depends on partners: Ramp's US corporate cards use Celtic Bank and Column rather than its own bank charter.
  • Expect a fast working pace: Ramp's careers page says staff are pushed to the fastest pace of their career.
  • Customer spending ceilings fluctuate: Ramp regularly changes card limits using clients' cash balances and wider financial performance.

What makes Ramp unique

  • Card balances cannot revolve: Ramp requires full statement repayment and charges no interest on its corporate charge card.
  • Negotiations draw on peer contracts: Ramp benchmarks software renewal quotes against prices paid by other customers.
  • Virtual cards enforce vendor agreements: Ramp's recurring cards restrict charges to the chosen supplier and specified contract amount.

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Benefits

  • Competitive salaries: You never have to wonder how your pay compares. Our generous comp reflects our belief that you'll take Ramp to the next level.
  • Comprehensive health plans: US-based employees get full medical, dental, and vision insurance coverage. Everyone gets a monthly stipend for personal wellness.
  • Professional development: Take advantage of our annual education stipends to stay on top of your personal growth.
  • Unlimited PTO: Flexible vacation days give you the time to step away, unwind, and recharge.

Growth & Insights and Company News

6 month growth

-10%

1 year growth

-11%

2 year growth

-11%
PR Newswire
Oct 21st, 2026
Ramp launches nonprofit platform to recover sales tax and enforce grant controls

Ramp launched Ramp for Nonprofits on October 21, 2026, a platform to help finance teams recover sales tax they should not have paid and keep spending in line with grant restrictions and donor intent. The tool covers cards, expenses, accounts payable, and accounting workflows. It routes purchases to the right owner, codes them to the right fund and program, and captures receipts and approval trails. Features include sales tax reclamation and exemption, grant budgets, grant manager approval routing, and a Grant Policy Agent that checks spend against grant rules. Ramp says it already serves more than 13,000 nonprofits. The Jewish Fertility Foundation saved more than $45,000 in its first year, and Boys & Girls Clubs of America saves 50+ hours a month. A launch webinar takes place on November 10.

FinTech Futures
Oct 21st, 2026
Ramp acquires treasury platform Vesto days after $1.85B raise at $60B valuation

Ramp, the expense management fintech, has acquired Vesto, a New York-headquartered treasury management platform, for an undisclosed sum. Benjamin Döpfner founded Vesto in 2022. Its dashboard lets businesses view all their bank accounts in one place. Döpfner will join Ramp's product team. Ramp customers will be able to analyse Ramp checking and investment accounts alongside accounts from more than 12,000 other institutions, including Bank of America CashPro, JP Morgan Access, CitiDirect, and Wells Fargo Vantage. Vesto's technology will also help them forecast cashflow. The deal follows Ramp's application to the OCC for a national trust bank charter. A week earlier, Ramp raised $1.85 billion at a $60 billion valuation.

Tech in Asia
Oct 20th, 2026
Ramp, valued at $60B, applies for US national trust bank charter

Ramp, a US fintech company that offers corporate cards and spend-management software, applied on October 19 to the Office of the Comptroller of the Currency (OCC) for a trust bank charter. The proposed entity would be called Ramp National Trust Bank. If approved, it could provide fiduciary investment management and custody for digital assets. Ramp said it would not take deposits or make commercial loans. The application adds to a wider push by startups into regulated banking. Revolut said it received conditional approval on September 3, 2026, to form a US national bank. Ramp was valued at $60 billion in a new funding round and has annualised revenue of $2 billion.

Bloomberg
Oct 9th, 2026
Ramp Hits $60 Billion Valuation in $1.85 Billion Funding Round

Fintech startup Ramp has reached a roughly $60 billion valuation with its latest fundraising effort, according to people familiar with the matter.

Ramp
Oct 3rd, 2026
Ramp announces $150M in debt financing from Goldman Sachs

With its first debt financing round, one of America’s fastest-growing corporate cards can serve more customers