Bilingual Fraud Analyst investigating card - related financial crime and supporting customers. Equitable Bank innovator analyzing fraud risks, alerts, evidence, and transaction activity.
About the role
- MLRO leading Ramp's FINTRAC-registered Canadian AML/ATF program. Owning regulatory reporting, transaction monitoring, partner oversight, and AI-driven compliance operations.
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 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 operational workstreams for Canada, including case types, SLAs, escalation paths, and tooling
- Negotiate and clarify AML/compliance requirements directly with BMO and other partners as new products and use cases come online
- Partner with Ramp's broader Compliance, Legal, and Regulatory Affairs teams on cross-border projects and Canada's continued expansion
- Partner with the Global and Engineering teams to identify automation and operational-efficiency opportunities and lead AI-driven initiatives
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
- Data analysis skills
- Currently based in Canada and have held direct responsibility for a Canadian AML/ATF compliance program subject to FINTRAC requirements
Benefits
- Flexible PTO
- Centralized home-office equipment ordering
- Health and wellness stipend
- Budget for intra-office travel
- Weekly coffee stipend
- 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
- Equity
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