Product Compliance Program Manager

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 $200B in annualized spend flows in and out of 70,000+ 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 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 an experienced Product Compliance Program Manager to join our Regulatory Compliance team, with a focus on domestic and international money movement and digital asset products. This role is a primary enabler for Product, helping Ramp scale responsibly as we expand our financial offerings and market reach. In this role, you will partner across control functions to streamline compliance requirements and serve as a key advisor to business teams by providing guidance through all stages of the product lifecycle. You will also support our compliance management system frameworks, critical to sustaining our growth at scale. WHAT YOU'LL DO - Advise business teams on applicable regulatory, payment scheme, and partner requirements to ensure compliance at each stage of the product lifecycle - Collaborate with Legal, Partnerships, and Risk teams to streamline business requirements and provide strategic recommendations for control development - Conduct targeted risk assessments and testing to validate control effectiveness for new and existing products and features - Support independent assessments, regulatory exams, and partner diligence requests as needed - Maintain compliance policies necessary to align product innovation with evolving obligations and standards WHAT YOU NEED - 5+ years of financial services experience in product compliance, risk, or related regulatory advisory roles—preferably in fintech - Expert knowledge of BSA/AML and Sanctions programs, specifically focused on KYC/KYB, transaction monitoring, and OFAC/sanctions screening across traditional and digital asset rails - Familiarity with U.S. and international financial services regulatory compliance related to money movement, licensing regimes, and digital asset products - Proven experience working with technical teams and influencing system design, with an emphasis on automation and scale - Track record of building or maturing compliance programs, especially in high-growth or fast-paced environments - Exceptional cross-functional collaboration skills; comfortable operating at the intersection of product, engineering, legal, operations, and external partners - Experience utilizing AI to analyze regulatory frameworks, design risk controls, and scaling compliance programs - Strong research, communication, documentation, and advocacy skills NICE-TO-HAVES - CAMS, CRCM or equivalent certifications - Experience with data design, internal tooling, or compliance systems implementation - Prior experience representing a financial institution in direct engagement with national or regional regulatory bodies BENEFITS AVAILABLE TO ALL FULL-TIME RAMP EMPLOYEES (GLOBAL) • Flexible PTO • Unlimited AI token usage • 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 whil