Money Laundering Reporting Officer, AML

Ramp is seeking an experienced Money Laundering Reporting Officer (MLRO) for Billhop AB, our Swedish-regulated Payment Institution. Under Swedish law, this role is legally defined as Centralt funktionsansvarig (CF) — the independent function holder responsible for day-to-day AML oversight and for reporting suspicious activity directly to Finanspolisen (the Swedish Financial Intelligence Unit). This is a standalone, high-accountability compliance leadership role: you will own Billhop AB's AML/CTF program and Compliance oversight, act as the primary point of contact for Finansinspektionen (FI), and serve as the gatekeeper protecting Ramp's Swedish entity from financial crime.

What You'll Do

• Serve as Billhop AB's MLRO / Centralt funktionsansvarig, with independent authority over AML/CTF program design, execution, and effectiveness
• Act as primary regulatory contact with Finansinspektionen, managing supervisory correspondence, periodic reporting, and support licensing efforts
• Evaluate and file Suspicious Transaction Reports (STRs)
• Provide final sign-off on high-risk onboarding, transaction monitoring escalations, and sanctions alerts
• Partner closely with Billhop AB's management team including the Specially appointed executive to ensure seamless alignment between executive oversight and day-to-day AML operations
• Own and deliver the annual AML/CTF training program for local board members, management, and relevant operational teams handling Swedish accounts
• Manage the entity's internal reporting channels for potential AML/CTF infractions
• Maintain and evolve the AML/CTF risk assessment, policies, and procedures, including NPAP review for new products
• Prepare and present the MLRO report to the Billhop AB board and leadership
• Partner with Ramp's broader Compliance, Legal, and Engineering teams (US/UK) on cross-border projects

What You Need

• 8+ years of financial services experience in compliance, AML, or related regulatory advisory roles, preferably in fintech
• Native or fluent Swedish and fluent English, written and verbal (non-negotiable)
• AI Fluency and demonstrated experience leveraging AI to build and scale AML programs
• Deep working knowledge of the FI's supervisory expectations
• Significant senior-level AML advisory or deputy compliance experience at a Swedish-regulated entity
• Direct experience interfacing with regulators and bank partners
• Comfort operating as a standalone compliance lead with independent judgment on filing/escalation decisions
• Fintech or payments domain experience (card issuing, corporate expense, high-velocity digital transaction monitoring) strongly preferred over traditional retail-branch compliance background

Nice-to-Haves

• Experience with license applications/upgrades
• Prior cross-border/group compliance structure experience

Benefits available to all full-time Ramp employees (Global)

• Flexible PTO
• Centralized home-office equipment ordering
• Health and wellness stipend
• Budget for intra-office travel
• Weekly coffee stipend