About this role.
Ramp seeks a senior, standalone Money Laundering Reporting Officer / Centralt funktionsansvarig for its Swedish-regulated payment institution, Billhop AB. The role owns AML/CTF program oversight, suspicious transaction reporting, high-risk customer and sanctions decisions, regulatory engagement with Finansinspektionen, and board reporting. It requires at least eight years of relevant financial-services compliance experience, deep knowledge of Swedish regulatory expectations, and fluent Swedish and English. This is a high-accountability fintech compliance leadership position that collaborates with local leadership and Ramp’s international Compliance, Legal, and Engineering teams.
Role DNA
A quick view of the complexity, pace, ownership and collaboration implied by the job description.
Job Complexity
5/5Pace & Pressure
5/5Autonomy Level
5/5Communication Load
5/5Salary analysis
Estimated compensation compared with the broader SEK market for similar roles.
Core skills
Skills and capabilities most closely associated with this opportunity.
Sample interview questions
I would first validate the current AML/CTF risk assessment, governance model, policies, monitoring controls, case-management process, and outstanding regulatory commitments. I would meet the board, management, operational teams, and group stakeholders to clarify decision rights and reporting lines. I would then prioritize remediation based on regulatory risk, establish a clear MI and board-reporting cadence, and document a practical roadmap for strengthening the program.
I would assess the facts against the customer profile, expected activity, transaction patterns, adverse information, and relevant typologies, while ensuring the investigation is documented and timely. The standard is reasonable grounds for suspicion rather than proof of criminal conduct. I would make an independent decision, file without tipping off the customer where warranted, and ensure appropriate post-filing monitoring or account actions are considered.
I would clearly explain the specific AML, sanctions, and regulatory risks, the evidence supporting my position, and any proportionate mitigants that could make onboarding acceptable. If the residual risk remains outside the entity’s risk appetite or legal obligations, I would exercise the MLRO function’s independent authority to decline or escalate the case. I would document the rationale and communicate it constructively so that commercial objectives do not override compliance obligations.
The control framework should combine strong customer due diligence and beneficial-ownership verification with risk-based onboarding, real-time or near-real-time transaction monitoring, sanctions and PEP screening, alert governance, and robust suspicious activity escalation. It should also include clear risk segmentation, data-quality controls, tuning and validation of monitoring scenarios, and periodic review of emerging payment-fraud and money-laundering typologies. Board-level governance and meaningful management information are essential to demonstrate effectiveness.
I would use AI to support triage, information gathering, alert summarization, quality assurance, and identification of unusual patterns, while retaining accountable human review for material decisions. Before deployment, I would assess data quality, explainability, privacy, model risk, bias, and auditability. I would measure outcomes such as false-positive reduction, detection quality, investigator productivity, and escalation accuracy, with controls for ongoing monitoring and change management.
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 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 TransactionReports (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
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 while employed by Ramp
Fertility HRA (up to $10,000 per year)
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
Pet insurance
In-office perks: lunch, snacks, drinks, and more
Relocation expense coverage to NYC or SF (if needed)
Canada
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
United Kingdom
Private medical insurance through Freedom Elite
Virtual GP and at-home care via eMed x Livi
Workplace pension through Penfold, with salary sacrifice option
Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay
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.
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