Risk Strategist, Onboarding and Compliance
Stripe
full-time
Posted on:
Location Type: Remote
Location: Illinois • United States
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Tech Stack
About the role
- Partner with Product, Engineering, and 2LOD teams to design and implement data-driven, risk-based KYC/KYB frameworks and compliance controls for our Financial Account, Capital, and Issuing products.
- Design and document compliant, scalable funds flow models for global payment networks (e.g., SEPA, FPS, ACH, RTP), translating complex network rules into technical requirements for engineering teams.
- Develop and maintain technical compliance documentation, translating complex regulatory requirements (e.g., U.S. lending laws, payment network rules) into actionable guidance for product and engineering teams.
- Manage relationships and drive alignment across a wide range of cross-functional stakeholders, including Legal, Customer Support, Partnerships, and 2LOD Compliance, ensuring all voices are heard and decisions are made effectively.
- Engage directly with external financial partners, presenting Stripe's compliance controls and strategy to build trust and confidence.
- Extend your expertise to new regions and payment schemes, quickly learning new regulatory and technical landscapes to enable Stripe's international expansion.
- Utilize data to inform risk strategy, compliance solutions, and decision-making by sourcing and analyzing product and user data to measure control effectiveness.
Requirements
- 5 years of professional experience in compliance, product risk, technical compliance, audit, or similar risk roles at a FinTech, payment provider, or bank.
- Proven experience designing and implementing risk-based KYC and KYB programs for business or merchant onboarding.
- Proven experience working at a technical level with product managers and engineers, with an ability to design solutions and write technical requirements documentation.
- Demonstrated success in managing complex projects with numerous cross-functional stakeholders, driving consensus, and managing expectations.
- Excellent communication and presentation skills, with experience engaging directly with external partners and instilling confidence.
- Experience sourcing and using data to analyze problems, inform strategic decisions, and measure control effectiveness.
- Ability to tackle ambiguous situations and operate efficiently and independently in a fast-paced, high-volume, and technology-driven environment.
- Respect for and interest in financial rules and regulations, as well as an eagerness to innovate and drive the financial technology industry forward.
- Deep experience with US financial regulations, particularly those impacting lending, consumer compliance (e.g., TILA, ECOA, UDAP/UDAAP, Fair Lending), and financial crimes (e.g., CIP/CDD) OR a strong technical and operational understanding of payment network funds flows for major schemes such as SEPA, FPS (UK), ACH (US), and RTP (US).
- Proficiency with SQL for sourcing and analyzing data.
- Proficiency using AI tools to automate document writing, assist in research and analysis and support recommendations.
- Familiarity with digital assets, cryptocurrency, and stablecoin-based payment and settlement flows.
- Experience applying regional compliance expertise to new markets.
Benefits
- Health insurance
- 401(k) matching
- Flexible work hours
- Paid time off
- Remote work options
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
KYCKYBcompliance documentationrisk-based programsSQLdata analysistechnical requirements documentationfunds flow modelspayment network rulesfinancial regulations
Soft Skills
communication skillspresentation skillsproject managementstakeholder managementconsensus buildingproblem-solvingindependent workadaptabilityrelationship managementstrategic decision-making