ramp - KYB Operations Lead, UK
Requirements
• 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
Responsibilities
• Line-manage and develop the UK operators: prioritisation, 1:1s, performance, and helping them grow as builders as well as reviewers • Own overall queue management and resourcing for UK onboarding: what gets worked first, who works it, and how we keep cases moving through leave and spikes in volume • Make the final first-line (1LoD) call on complex cases: complex ownership structures, EDD, PEP and adverse-media outcomes, and cases that need a judgement rather than a checklist • Own escalations with our card-issuing and payments partners, including recurring failures, disputed or unnecessary requirements, and turning each fix into a repeatable playbook • Run customer-facing onboarding communications with quality: clear requests, fast follow-ups, no avoidable back-and-forth • Define and report operational metrics (caseload by provider, time to close, handling time) and use them to improve the operation • Find and remove friction: spot requirements customers shouldn't have to meet twice and work with Product and Engineering to design them out • Build consistent, evidenced 1LoD decision standards that hold up to partner sample reviews and second-line scrutiny • Act as hands-on backup for UK safeguarding: daily reconciliations and investigating breaks when cover is needed • A bias to fix the process rather than just work the queue • 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) • 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
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