Money Laundering Reporting Officer, Canada

The role

The Money Laundering Reporting Officer will own Ramp Canada's AML program end to end. This person will act as the primary contact for FINTRAC and financial partners while managing AML/ATF compliance, transaction monitoring, and regulatory reporting.

What you will do

• Serve as RBCC's MLRO with authority over AML/ATF program design, execution, and effectiveness
• Act as primary regulatory contact with FINTRAC
• Make STR filing determinations and file STRs
• Run day-to-day transaction monitoring and sanctions screening triage and investigation
• Own and maintain RBCC's AML/ATF risk assessment
• Develop, document, and deliver RBCC's ongoing compliance training program
• Define and stand up operational workstreams for Canada
• Negotiate and clarify AML/compliance requirements with BMO and other partners
• Partner with Ramp's broader Compliance, Legal, and Regulatory Affairs teams on cross-border projects
• Partner with Global and Engineering teams to lead AI-driven initiatives for automation and efficiency

Required qualifications

• 8+ years of financial services experience in compliance, AML, or related regulatory advisory roles
• 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

Nice to have

• Fintech or payments domain experience (card issuing, corporate expense, high-velocity digital transaction monitoring)
• Fluency in French
• Experience supporting an MSB registration/licensing process
• Prior cross-border/group compliance structure experience
• Data analysis skills

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

About the company

Ramp is building smart infrastructure for finance teams to automate spend, authorize payments, and flag risk. The company manages over $275B in annualized spend for 85,000+ companies.