KYB/AML Analyst, Sweden

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 $275B in annualized spend flows in and out of 85,000+ 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 7.5% 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 launching payments across the EU through its Swedish payment institution. Our European operations team (Europs) onboards European businesses and keeps them trading, across Ramp's own regulated entities and our card-issuing and payments partners. We're a small team that runs on frontier AI tooling: our operators build and use their own automations so they can spend their time on judgement, not admin. We're hiring a KYB/AML Analyst in Stockholm to review and onboard business customers of our Swedish entity, work directly with those customers to get them live, and resolve onboarding requirements raised by our partners. You'll join a small Swedish team and help keep onboarding moving every day as we grow. WHAT YOU'LL DO - Carry out first-line (1LoD) KYB reviews of business customers onboarding with Ramp's Swedish payment institution: company verification, beneficial ownership, sanctions/PEP/adverse-media screening, and risk assessment - Decide standard cases end to end, and escalate complex or higher-risk cases with a clear rationale - Handle customer communications through onboarding: clear document requests, follow-ups and status updates - Resolve onboarding requirements from our card-issuing and payments partners for EU customers - Document decisions to a standard that holds up to second-line and regulatory review - Keep Swedish casework moving when teammates are on leave or handling incidents - Spend part of your time improving how we work: playbooks, templates and AI-assisted workflows WHAT YOU NEED - 2–4 years of KYB / AML / onboarding experience at a fintech, payment institution, EMI or bank - Solid grounding in business customer due diligence: company registers, UBO identification, sanctions/PEP screening, and spotting red flags - Fluent English, written and verbal - Clear, friendly written communication with customers - Curiosity about AI tools and how they can make casework faster and better - Based in, or relocating to, Stockholm, with the right to work in Sweden NICE-TO-HAVES - Swedish (strongly preferred) - Familiarity with Swedish sources and requirements (Bolagsverket, the beneficial ownership register, FI expectations under the Swedish AML Act) - Experience onboarding EU businesses across several jurisdictions - An additional European language 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