ramp - Money Laundering Reporting Officer, Canada
Requirements
• 8+ years of financial services experience in compliance, AML, or related regulatory advisory roles, preferably in fintech or at an MSB • Deep working knowledge of FINTRAC's supervisory expectations and regulations • Direct experience interfacing with regulators and bank partners • AI Fluency and demonstrated experience leveraging AI to build and scale AML programs • Comfort operating as a standalone compliance lead with independent judgment on filing/escalation decisions • Experience building an AML program from a nascent/early stage, not only maintaining an established one • Fintech or payments domain experience (card issuing, corporate expense, high-velocity digital transaction monitoring) strongly preferred over traditional retail-branch compliance background • Fluency in French • Experience supporting an MSB registration/licensing process (e.g., provincial registrations such as Quebec) • Prior cross-border/group compliance structure experience • BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) • Centralized home-office equipment ordering • Health and wellness stipend • Budget for intra-office travel • Weekly coffee stipend • 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) • 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 • 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. • 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 http://Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process. • Ramp Applicant Privacy Notice https://ramp.com/legal/applicant-privacy-notice
Responsibilities
• Serve as RBCC's MLRO, with authority over AML/ATF program design, execution, and effectiveness • Act as primary regulatory contact with FINTRAC, managing supervisory correspondence, reporting, and exam readiness • Make STR (Suspicious Transaction Report) filing determinations and file STRs • Run day-to-day transaction monitoring and sanctions screening triage and investigation for the Canadian book • -Own and maintain RBCC's AML/ATF risk assessment, refreshing it as products, geography, and risk profile evolve (including Quebec's onboarding) • Develop, document, and deliver RBCC's ongoing compliance training program • Define and stand up the operational workstreams for Canada, including case types, SLAs, escalation paths, tooling. • Negotiate and clarify AML/compliance requirements directly with BMO (our Canadian banking partner) and other partners as new products and use cases come online • Partner with Ramp's broader Compliance, Legal, and Regulatory Affairs teams (US) on cross-border projects and Canada's continued expansion • Partner with the Global team and the Engineering team to identify areas of opportunity for automation, and operational efficiency and lead AI-driven initiatives.
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