Senior Fraud Risk Associate

As a member of Ramp's Fraud Strategy 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 risk strategies. You will be given significant ownership of your projects, with the freedom and autonomy to innovate and execute your ideas, empowering you to do your best work and make a meaningful impact. As you successfully drive impactful changes to our fraud prevention policies, you will be entrusted with larger projects and more strategic initiatives, expanding your influence within the company. 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 decision systems and policies What You Need * Minimum 5 years of experience in fraud risk management or quantitative strategy role * Minimum 5 years of experience using SQL, Python, or R for data retrieval and manipulation * Excellent written and verbal communication skills Nice to Haves * Experience in high-growth startups * Experience within consumer/corporate/small business cards, payments, invoices, lending, or related industries For candidates located in NYC or SF, the pay range for this role is $151,500 - $208,350 For candidates located in all other locations, the pay range for this role is $136,400 - $187,550.