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In Business Risk Manager Vice President New York in United States

10,000 active opportunities · Updated October 2026

Explore current in business risk manager vice president new york jobs across United States. Filter by work mode, employment type, experience, department, date posted and distance.

R
📍 United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 Technical Consultants are on the frontlines working to establish partnerships with Ramp customers, and act as a liaison between customers and our internal technical teams. You'll be partnering with Customer Activation & Account Management teams to identify, prioritize and build financial solutions for new and existing customers so that Ramp continues to scale with their needs. You will act as the technical and financial subject matter expert for our customers and design solutions that address the customer's needs through Ramp and partner integrations. You will partner with Post-Sales teams to drive Product, Design and Engineering teams' roadmaps to evolve Ramp to better serve our customers at scale and offer increasingly higher value. You will define the customer's financial & technical success criteria from onboarding through activation and expansion. You will represent Product, Design, and Engineering externally and will operate with deep conviction and understanding of Ramp's technical capabilities. The role requires techni

R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 People Operations at Ramp creates an environment where people can do the best work of their careers. As Ramp grows globally, we’re building the systems and programs that help employees move, work, and thrive across borders. In this role, you’ll own the infrastructure, compliance, and programs that let Ramp employ people anywhere in the world - building the policies and playbooks for each new country. You’ll own the individual visa and relocation cases as well as building the scalable processes, policies, and vendor partnerships behind them. You’ll work across Legal, Finance, Payroll, People, Recruiting, and external counsel to make complex requirements clear, compliant, and easy to navigate. This is a hands-on, build-from-scratch role for someone who brings strong judgment, follows through, and consistently finds ways to simplify and improve how the work gets done. What You'll Do Global Infrastructure & Compliance Build the operational playbook for launching and supporting employees in new countries, bringing together payroll, emp

R
📍 United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 Solutions Consultant, Post-Sales at Ramp partner with Account Management to deepen and expand relationships with existing Ramp customers. You'll act as the technical and financial subject matter expert across the customer lifecycle — running product demonstrations to expand customers onto new Ramp products, while bringing the depth needed to resolve complex ERP integrations, configuration challenges, and technical blockers. You'll collaborate closely with Account Managers to assess requirements, design scalable solutions, and ensure fast time-to-value as customers grow with Ramp. You will partner with Post-Sales teams to drive Product, Design and Engineering teams' roadmaps to evolve Ramp to better serve our customers at scale and offer increasingly higher value to the customers. This role requires strong technical skills — comfort with APIs, ERP systems, and integration architecture — paired with the communication ability to translate complexity into clear business value for finance and operations stakeholders. This role is specifica

R
📍 United States· Full-time
✓ High-confidence listingCompany trend -99.2%

$128K – $176K/yr

Quick readStrong listing-quality and freshness signals

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 As a Solutions Consultant at Ramp, you will play a crucial role in establishing and nurturing partnerships with potential customers. This involves building trust and confidence through expert demonstrations of Ramp's products and a deep understanding of our prospects' needs. Collaborating closely with Account Executives, Customer Success, and Account Management teams, you will prioritize and develop financial solutions for Ramp's key customers, ensuring that the product aligns with their evolving requirements. Acting as technical and financial experts, you will design integrated solutions, provide strategic advice to prospects, and facilitate communication between internal technical teams and prospects. Solutions Consultants drive customer success from deal evaluation to product activation, influencing product development to continually enhance Ramp's value proposition. This role requires strong technical skills, alongside strong presentation and value selling skills. What You’ll Do Collaborate with Ramp Account Executives to showcase

RestAIGoRust
R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 You'll be the architect of our endpoint security posture across the full fleet — macOS, Windows, and BYOD mobile devices. You'll build secure-by-default controls with Terraform and GitOps, harden endpoints at scale, and automate the full device lifecycle so nothing depends on a human remembering to click the right button. You'll partner with IT, SecOps, and engineering teams to sharpen our telemetry and detections, mentor other engineers, and raise the bar on what "low-friction security" actually means. Everything you ship will be auditable, measurable, and built for the long run. We're also thinking seriously about how corporate security evolves in an agentic world — where AI agents act on behalf of employees and traditional identity and endpoint assumptions break down. You'll help us shape that answer. What You’ll Do Write and ship MDM policy as code — configuration profiles, remediation scripts, and enforcement rules across macOS, Windows, and mobile — with staged rollouts and rollback from day one Build patch automation that close

GitRestAIGo
R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 Over the past few years at Ramp, we've reimagined how businesses manage spend, and the backbone of that vision is Procure-to-Pay. The P2P team builds the systems that connect vendors, invoices, and payments into one seamless, automated flow. It's where billions of dollars move through our platform, and every line of code matters. We're looking for a backend engineer who loves complex systems, obsesses over correctness, and wants to shape how money moves in modern finance software. You'll help design and scale the infrastructure that powers our payment rails, ensures auditability across products, and unlocks the next wave of AI-driven automation. It's a chance to work on systems that actually move money, with a team that cares deeply about precision, reliability, and scale. The problems are tough, the stakes are high, and the impact is massive. What You'll Do Design and build core P2P systems, from invoice ingestion and approval workflows to payment orchestration and reconciliation logic. Enable AI agents to classify, validate, and pro

PythonSQLRestAI
R
📍 United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 Technical Consultants are on the frontlines working to establish partnerships with Ramp customers, and act as a liaison between customers and our internal technical teams. You'll be partnering with Customer Activation & Account Management teams to identify, prioritize and build financial solutions for new and existing customers so that Ramp continues to scale with their needs. You will act as the technical and financial subject matter expert for our customers, and design solutions that address the customer's needs through Ramp and partner integrations. You will partner with Post-Sales teams to drive Product, Design and Engineering teams' roadmaps to evolve Ramp to better serve our customers at scale and offer increasingly higher value to the customers. You will define the customer's financial & technical success criteria from onboarding through activation and expansion. You will represent Product, Design and Engineering externally and will operate with deep conviction and understanding of Ramp's technical capabilities. The rol

R
📍 United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 Solutions Consultants, Post-Sales at Ramp partner with Account Management to deepen and expand relationships with existing Ramp customers. You'll act as the technical and financial subject matter expert across the customer lifecycle — running product demonstrations to expand customers onto new Ramp products, while bringing the depth needed to resolve complex ERP integrations, configuration challenges, and technical blockers. You'll collaborate closely with Account Managers to assess requirements, design scalable solutions, and ensure fast time-to-value as customers grow with Ramp. You will partner with Post-Sales teams to drive Product, Design and Engineering teams' roadmaps to evolve Ramp to better serve our customers at scale and offer increasingly higher value to the customers. This role requires strong technical skills — comfort with APIs, ERP systems, and integration architecture — paired with the communication ability to translate complexity into clear business value for finance and operations stakeholders. This role is focused

R
📍 United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 Solutions Consultants, Post-Sales at Ramp partner with Account Management to deepen and expand relationships with existing Ramp customers. You'll act as the technical and financial subject matter expert across the customer lifecycle — running product demonstrations to expand customers onto new Ramp products, while bringing the depth needed to resolve complex ERP integrations, configuration challenges, and technical blockers. You'll collaborate closely with Account Managers to assess requirements, design scalable solutions, and ensure fast time-to-value as customers grow with Ramp. You will partner with Post-Sales teams to drive Product, Design and Engineering teams' roadmaps to evolve Ramp to better serve our customers at scale and offer increasingly higher value to the customers. This role requires strong technical skills — comfort with APIs, ERP systems, and integration architecture — paired with the communication ability to translate complexity into clear business value for finance and operations stakeholders. This role is focused

R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

$128K – $180K/yr

Quick readStrong listing-quality and freshness signals

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 As a Product Operations partner for Ramp Bill Pay, you will help build and scale the workflows that enable customers to manage accounts payable with speed, accuracy, and control. You will reduce customer friction across the bill pay lifecycle — from vendor setup and approvals to payments, reconciliation, and exception handling — while shaping product quality through data, customer feedback, and tight partnership with customer-facing internal teams. Beyond your product vertical, you will also contribute to Product Operations process improvement and product building that allows our Product and Engineering teams to scale. You will use AI tools to improve processes around release management, collecting customer feedback, and enabling internal teams to support our customers and troubleshoot issues. Our main goal is to reduce customer friction, measured by support tickets per active user and customer NPS. What You'll Do Own the voice-of-customer loop for Bill Pay — systematically capture, analyze, and prioritize feedback from CX, Sales, and

R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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. Join our growing Ops Engineering team and help build internal tooling and infrastructure that empowers operators at Ramp. As an internal-facing team, you'll work directly with our operations teams to design, implement, and scale tools and systems that enable them to serve our customers more efficiently and effectively. Much of our work involves managing the Retool platform, building custom tooling on top of platforms like Zendesk, developing internal API to support internal operations, and creating operator-facing applications that help our ops teams move faster and deliver better customer experiences. Ramp is, at its core, an engineering company, and is on a mission to build the best engineering team in the world! The Ops Engineering team is highly cross-functional, working closely with operations, customer support, and other internal stakeholders to solve a wide range of infrastructure and tooling challenges. Our ideal candidate has a strong sense of ownership and enjoys owning projects from inception to scaling them in production. We value people

TypeScriptPythonReactNode.js
R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 Production Engineering Production Engineering is Ramp's infrastructure ownership layer. We exist to make Ramp faster, more reliable, and more scalable — and we do that by being embedded in the problems, not adjacent to them. A few things that define how we operate: One team, one company, one objective. There is no "infra team" and "product team" — there is Ramp. We share the company's goals as our own. When a product team struggles with reliability or scalability, that is our struggle. If reliability or scalability is at risk, we own it. We don't wait to be invited, and we don't ask whose code it is. If a system is slow, if it breaks, if it won't scale — that's ours to lead, regardless of where it lives in the stack. We go first, and we go fast. When the path isn't obvious, we don't wait for someone else to find it. We move with urgency, propose the solution, align the stakeholders, and stay in until it's done — not until our ticket is closed. We lead the way. We find the next problem before it finds us. And when we solve it, we don't just fix

AWSCI/CDRestAI
R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 Join our growing security team and help drive security detection and response initiatives across Ramp. This will include a focus on maturing our security detection and alerting capabilities across our federal and public sector environments. Please note that this role will require you to be comfortable with working in-person at our NYC HQ (located near Madison Square Park) at least 2 days/week What You’ll Do Respond and assist with security requests and incidents submitted by Ramp team members Review logging, alerting, and audit sources to identify potential security incidents and perform initial triage on identified incidents Contribute to the creation, upkeep, and tuning of runbooks and security alerts to effectively handle, triage, and improve security alerts Work closely with the Ramp Security Engineers to improve security alerting and automated remediation Utilize log ingestion platform for security analytics and identification of tactics, techniques and patterns of attackers Design and implement automation to detect and respond t

R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $120K/yr

Quick readStrong listing-quality and freshness signals

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 As an Account Executive | Mid-Market at Ramp, you are a proven hunter & sales closer with track record of quota attainment and overachievement. We believe strongly in our value proposition of aligning incentives with our customers and you will bring it to life through the sales process with C-Level executives and key decision makers. As an early member of the team, you will also have the opportunity to help build the sales engine and define the sales strategy that fuels the growth of the company! What You’ll Do Drive revenue for Ramp, owning the entire sales cycle through close Develop strategies for closing opportunities within your assigned territory Leverage sales methodologies to uncover customer needs and pain points Articulate Ramp’s value proposition by using the appropriate sales qualification standards Own sales activity and monthly revenue forecasting in Salesforce Collaborate with product, design, and engineering teams to incorporate customer feedback What You'll Need Minimum 4 years of quota-carrying direct SaaS sales

R
📍 New York City, NY, United States· Full-time
✓ High-confidence listingCompany trend -99.2%

From $10K/yr

Quick readStrong listing-quality and freshness signals

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 We are hiring a Software Engineer to build systems across Fraud, UIM (User & Identity Management), and Identity. This role sits at the intersection of security, risk decisioning, and product experience. You will help build detection and enforcement capabilities for fraud and account takeover, as well as the identity primitives that power authentication, authorization, and safe account access. This work is deeply cross-functional. You will partner closely with Fraud Ops, Risk Strategy, Security, Product, and Data to ship improvements that are measurable in loss reduction, attack containment, and user experience. What You’ll Do Build and evolve backend services that detect and prevent fraud across multiple surfaces, including account access and money movement. Develop enforcement and response tooling that enables fast, safe actions such as identity locks, business locks, payment freezes, and other containment levers. Improve protections against account takeover (ATO), including risk-based step-ups, monitoring, and targeted friction

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