Risk Operations Specialist Jobs for OPT Students
Risk Operations Specialist roles are a strong fit for F-1 OPT students with backgrounds in finance, data analytics, or business. Most positions qualify as STEM OPT extensions when tied to quantitative risk work. Your 12-month standard OPT window, or 24-month STEM extension, gives employers a meaningful runway to evaluate you.
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Get Access To All JobsAbout Ramp
At Ramp, we’re rethinking how modern finance teams function in the age of AI. We believe AI isn’t just the next big wave. It’s the new foundation for how business gets done. We’re investing in that future — and in the people bold enough to build it. Ramp is a financial operations platform designed to save companies time and money. Our all-in-one solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built-in intelligence to maximize the impact of every dollar and hour spent. More than 50,000 businesses, from family-owned farms to e-commerce giants to space startups, have saved $10B and 27.5M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over $100 billion in purchases each year. Ramp’s investors include Lightspeed Venture Partners, Thrive Capital, Sands Capital, General Catalyst, Founders Fund, Khosla Ventures, Sequoia Capital, Greylock, Redpoint, and ICONIQ, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp has been named to Fast Company’s Most Innovative Companies list and LinkedIn’s Top U.S. Startups for more than 3 years, as well as the Forbes Cloud 100, CNBC Disruptor 50, and TIME Magazine’s 100 Most Influential Companies.
About The Role
As a Payment Operations Specialist at Ramp, you will play a key role in supporting the day-to-day execution and efficiency of Ramp’s payment operations. You’ll partner closely with the Payments Operations Lead and cross-functional teams across Product, Finance, Customer Support, Risk, and Compliance to ensure smooth and accurate payment processing, issue resolution, and operational excellence. This is a hands-on role focused on coordination, execution, and continuous improvement. You’ll be responsible for helping to maintain accurate payment flows, supporting operational projects, and assisting with cross-functional initiatives that enhance Ramp’s payment systems and risk management processes.
- Support the Payments Operations Lead in the daily management of payment workflows, including ACH, wire transfers, card payments, and Ramp Business Account transactions.
- Monitor and reconcile payment activity, identify discrepancies, and help investigate or resolve transaction issues.
- Coordinate refund and money movement processes and maintain clear communication with internal teams and customers on case status.
- Collaborate with Customer Support, Risk, and Product to resolve user-reported payment or linking issues in a timely and accurate manner.
- Help prepare data and documentation for audits and regulatory reporting.
- Participate in cross-functional projects aimed at improving payment accuracy, reducing operational risk, and scaling payment processes.
- Identify and document operational inefficiencies or gaps and propose potential improvements.
- Maintain accurate process documentation and support knowledge management for the Payments Ops function.
- Provide high-quality internal and external customer support through email and other communication channels.
What You Need
- 2–4 years of experience in Payment Operations, Financial Operations, Treasury Operations, or a related function.
- Working knowledge of ACH, wire transfers, and card payment systems; familiarity with NACHA and SWIFT standards a plus.
- Experience using and building with AI tools to enhance productivity, streamline workflows, or support operational decision-making.
- Strong attention to detail and comfort handling complex reconciliations or operational workflows.
- Excellent organizational skills and the ability to manage multiple priorities in a fast-paced environment.
- Strong written and verbal communication skills; able to coordinate across teams and document processes clearly.
- Analytical and problem-solving mindset with a focus on data accuracy and continuous improvement.
- BA/BS degree or equivalent experience.
Nice-to-Haves
- Experience working in fintech, payments, or high-growth startup environments.
- Familiarity with SQL or basic data analysis tools for investigating issues or building reports.
- Exposure to risk or compliance operations.
- Experience with customer support systems (e.g., Zendesk, Salesforce).
Benefits (for U.S.-based Full-time Employees)
- 100% medical, dental & vision insurance coverage for you + Partially covered for your dependents + One Medical annual membership
- 401k (including employer match on contributions made while employed by Ramp)
- Flexible PTO
- Fertility HRA (up to $10,000 per year)
- Parental Leave
- Unlimited AI token usage
- Pet insurance
- Centralized home-office equipment ordering for all employees
- Health and Wellness stipend
- In-office perks: lunch, snacks, drinks, and more
- Budget for intra-office travel
- Relocation support to NYC or SF (as needed)
Referral Instructions
If you are being referred for the role, please contact that person to apply on your behalf.
Other Notices
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 email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice
About Ramp
At Ramp, we’re rethinking how modern finance teams function in the age of AI. We believe AI isn’t just the next big wave. It’s the new foundation for how business gets done. We’re investing in that future — and in the people bold enough to build it. Ramp is a financial operations platform designed to save companies time and money. Our all-in-one solution combines payments, corporate cards, vendor management, procurement, travel booking, and automated bookkeeping with built-in intelligence to maximize the impact of every dollar and hour spent. More than 50,000 businesses, from family-owned farms to e-commerce giants to space startups, have saved $10B and 27.5M hours with Ramp. Founded in 2019, Ramp powers the fastest-growing corporate card and bill payment platform in America, and enables over $100 billion in purchases each year. Ramp’s investors include Lightspeed Venture Partners, Thrive Capital, Sands Capital, General Catalyst, Founders Fund, Khosla Ventures, Sequoia Capital, Greylock, Redpoint, and ICONIQ, as well as over 100 angel investors who were founders or executives of leading companies. The Ramp team comprises talented leaders from leading financial services and fintech companies—Stripe, Affirm, Goldman Sachs, American Express, Mastercard, Visa, Capital One—as well as technology companies such as Meta, Uber, Netflix, Twitter, Dropbox, and Instacart. Ramp has been named to Fast Company’s Most Innovative Companies list and LinkedIn’s Top U.S. Startups for more than 3 years, as well as the Forbes Cloud 100, CNBC Disruptor 50, and TIME Magazine’s 100 Most Influential Companies.
About The Role
As a Payment Operations Specialist at Ramp, you will play a key role in supporting the day-to-day execution and efficiency of Ramp’s payment operations. You’ll partner closely with the Payments Operations Lead and cross-functional teams across Product, Finance, Customer Support, Risk, and Compliance to ensure smooth and accurate payment processing, issue resolution, and operational excellence. This is a hands-on role focused on coordination, execution, and continuous improvement. You’ll be responsible for helping to maintain accurate payment flows, supporting operational projects, and assisting with cross-functional initiatives that enhance Ramp’s payment systems and risk management processes.
- Support the Payments Operations Lead in the daily management of payment workflows, including ACH, wire transfers, card payments, and Ramp Business Account transactions.
- Monitor and reconcile payment activity, identify discrepancies, and help investigate or resolve transaction issues.
- Coordinate refund and money movement processes and maintain clear communication with internal teams and customers on case status.
- Collaborate with Customer Support, Risk, and Product to resolve user-reported payment or linking issues in a timely and accurate manner.
- Help prepare data and documentation for audits and regulatory reporting.
- Participate in cross-functional projects aimed at improving payment accuracy, reducing operational risk, and scaling payment processes.
- Identify and document operational inefficiencies or gaps and propose potential improvements.
- Maintain accurate process documentation and support knowledge management for the Payments Ops function.
- Provide high-quality internal and external customer support through email and other communication channels.
What You Need
- 2–4 years of experience in Payment Operations, Financial Operations, Treasury Operations, or a related function.
- Working knowledge of ACH, wire transfers, and card payment systems; familiarity with NACHA and SWIFT standards a plus.
- Experience using and building with AI tools to enhance productivity, streamline workflows, or support operational decision-making.
- Strong attention to detail and comfort handling complex reconciliations or operational workflows.
- Excellent organizational skills and the ability to manage multiple priorities in a fast-paced environment.
- Strong written and verbal communication skills; able to coordinate across teams and document processes clearly.
- Analytical and problem-solving mindset with a focus on data accuracy and continuous improvement.
- BA/BS degree or equivalent experience.
Nice-to-Haves
- Experience working in fintech, payments, or high-growth startup environments.
- Familiarity with SQL or basic data analysis tools for investigating issues or building reports.
- Exposure to risk or compliance operations.
- Experience with customer support systems (e.g., Zendesk, Salesforce).
Benefits (for U.S.-based Full-time Employees)
- 100% medical, dental & vision insurance coverage for you + Partially covered for your dependents + One Medical annual membership
- 401k (including employer match on contributions made while employed by Ramp)
- Flexible PTO
- Fertility HRA (up to $10,000 per year)
- Parental Leave
- Unlimited AI token usage
- Pet insurance
- Centralized home-office equipment ordering for all employees
- Health and Wellness stipend
- In-office perks: lunch, snacks, drinks, and more
- Budget for intra-office travel
- Relocation support to NYC or SF (as needed)
Referral Instructions
If you are being referred for the role, please contact that person to apply on your behalf.
Other Notices
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 email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice
How to Get Visa Sponsorship as a Risk Operations Specialist
Lead with your quantitative skills
Risk Operations roles prioritize candidates who can analyze data, model exposure, and flag anomalies. Highlight coursework or projects involving statistics, SQL, Python, or risk frameworks. Employers weigh technical ability heavily when deciding whether to sponsor OPT students.
Target STEM-designated programs first
If your degree is in a STEM field like data science, finance engineering, or applied mathematics, you qualify for a 24-month STEM OPT extension. This significantly increases your appeal to employers who want longer hiring runways before committing to H-1B sponsorship.
Understand how your role fits specialty occupation criteria
Risk Operations Specialist roles typically qualify as specialty occupations for H-1B purposes because they require a degree in a specific analytical or financial field. Knowing this helps you speak confidently to employers about long-term visa pathways beyond OPT.
Apply early in the OPT authorization window
Start your job search before your OPT start date. Risk Operations teams often run multi-stage hiring processes involving compliance reviews and background checks, which can take four to eight weeks. Beginning early ensures you have authorized employment lined up without gaps.
Focus on industries with established OPT hiring infrastructure
Financial services firms, fintech companies, and large banks have dedicated immigration teams experienced with OPT and H-1B transitions. These employers are far less likely to reject a candidate simply because of visa status compared to smaller organizations without prior experience.
Be transparent about your OPT timeline during interviews
Proactively telling employers your OPT expiration date and STEM extension eligibility avoids surprises later in the process. Employers appreciate candidates who understand their own authorization timeline and can clearly explain what sponsorship would look like down the road.
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Get Access To All JobsFrequently Asked Questions
Do Risk Operations Specialist jobs typically sponsor OPT students?
Many do, particularly at financial institutions, fintech companies, and large enterprises with dedicated HR and immigration teams. Risk Operations roles are viewed as technical and degree-specific, which makes employers more willing to invest in OPT candidates. Migrate Mate filters for employers actively open to OPT, so you can focus your search on realistic opportunities rather than applying broadly.
Does a Risk Operations Specialist role qualify for the STEM OPT extension?
It depends on your degree, not the job title alone. If your degree is in a STEM-designated field such as data analytics, applied mathematics, statistics, or financial engineering, and your role involves quantitative risk work, you likely qualify for the 24-month STEM extension. Your DSO and employer must both confirm eligibility before you apply through your school.
Can I start a Risk Operations Specialist job before my OPT EAD card arrives?
No. Your EAD card must be in hand and your OPT start date must have passed before you begin working. Risk Operations employers in financial services often run compliance and background checks that take weeks, so coordinate your start date carefully with HR. Do not agree to an earlier start date than your EAD authorizes, even informally.
What happens to my OPT authorization if I change roles within the same company?
Your OPT authorization is tied to your degree field, not a specific job title or department. A lateral move into a different risk function at the same employer is generally fine as long as the new role still relates to your degree program. However, if the role changes significantly, notify your DSO to confirm the move doesn't jeopardize your authorized employment status.
How long does the OPT unemployment limit give me between Risk Operations jobs?
Standard OPT allows a cumulative 90 days of unemployment. STEM OPT extension holders are limited to 150 days total across both periods combined, not 150 additional days. If a Risk Operations position falls through late in the hiring process, that gap counts toward your limit. Track your dates carefully and continue active job searching to stay within the threshold.
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