Compliance Strategist

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 seeking a 2LoD Compliance Strategist to provide dedicated independent second-line assurance across Ramp UK & Irish regulated businesses. This is a hands-on role for someone who can turn regulatory expectations into a practical, evidence-led monitoring and assurance programme. The role sits within Ramp's Europe Compliance function and supports the Head of Compliance & MLRO - Europe. You will not own first-line operational decisions or perform routine casework. Instead, you will independently test and challenge the design and operation of financial-crime, safeguarding, payments, outsourcing, governance, and regulatory-change controls. You will make sure that findings are understood, remediated by accountable owners, and independently validated before closure. Ramp Payments Europe is developing across multiple legal entities, jurisdictions, payment rails, banking partners, product journeys, and shared Group services. The successful candidate will help give management and Boards a clear, reliable view of whether controls work in practice and where action is needed. WHAT YOU'LL DO - Run a practical, risk-based compliance monitoring programme across Ramps European entities. - Test key controls and identify gaps, with a focus on whether they work in practice. - Support assurance over financial-crime, payments, safeguarding, and outsourced-service controls. - Track regulatory, Board, partner, audit, and internal commitments to ensure actions are completed on time. - Manage findings and remediation, helping accountable teams resolve issues and confirming actions are closed. - Produce clear reporting for management and Boards on key risks, control issues, incidents, and progress. - Provide independent compliance input and advisory on significant product, payments, outsourcing, and operational changes. - Deputise for the Head of Compliance & MLRO where required. WHAT YOU NEED - Min. 4 year of experience in compliance, risk, audit, controls, or regulatory change within payments, fintech, banking, or another regulated environment. - Experience supporting compliance monitoring, control testing, issue management, remediation, or governance reporting. - Working knowledge of UK and/or EU financial-services regulation, with the ability to apply requirements pragmatically in a fast-moving environment. - Familiarity with financial-crime controls such as customer due diligence, sanctions screening, transaction monitoring, or record keeping. - An interest in areas such as payments, safeguarding, outsourcing, operational resilience, or third-party oversight. - Strong judgement and communication skills, with the confidence to identify issues, explain risk clearly, and work constructively with stakeholders. - Comfortable working independently, managing priorities, and partnering with Product, Engineering, Operations, Legal, and Risk teams. - Curious about using AI responsibly to improve compliance analysis, monitoring, or documentation. NICE-TO-HAVES - Experience in a UK payment institution, e-money institution, bank, card issuer, acquiring business, or payments fintech. - Experience supporting FCA-facing work, banking-partner due diligence requirements. - Experience with Consumer Duty, safeguarding, or formal outsourcing governance. - Professional compliance, audit, risk, or financial-crime qualification. 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 applican