Risk Operations Analyst, Financial Crimes

About the role

Stripe is a financial infrastructure platform for businesses. The Financial Crimes team ensures a healthy financial ecosystem and maintains trust in Stripe's platform by preventing prohibited parties from utilizing services and identifying bad actors engaged in money laundering, terrorist financing, or other financial crimes. This role is essential for mitigating risk and upholding regulatory compliance.

Responsibilities

• Demonstrate sound judgment and navigate non-binary, high-risk decisions.
• Adhere closely to process while suggesting improvements and balancing user experience with compliance requirements.
• EFFECTIVELY and CLEARLY communicate with other Stripes, Stripe's users, and Stripe's financial partners.
• Identify and assess financial crime risks, conduct reviews using data analysis, and monitor for suspicious activity and trends.
• Facilitate the re-design of business processes including clarifying, identifying issues, and facilitating changes to attain the highest levels of efficiency, control, and compliance.
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks through a collaborative approach with stakeholders.

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum Requirements

• 4+ years of experience in risk management, compliance, or financial operations.
• Understanding of FinCrime red flags, its typologies, and how they can be identified.
• Experience in developing/implementing process improvements.
• Analytical and demonstrates reasoned logic to decision making and judgements, considers external/internal factors and is able to recommend solutions in complex situations.
• Effective communication skills with the ability to produce clear, precise and concise written and presentation materials.
• Ability to analyze feedback patterns and use these insights to drive process and product improvements.
• Policy Development & Regulatory Knowledge: Proven track record developing compliance policies and procedures for payment processing environments.
• Risk Assessment: Experience conducting merchant risk assessments, transaction monitoring, and implementing risk-based compliance controls.
• Operational Management & Scaled Operations: Experience driving operational outcomes and managing large-scale operations through vendor partnerships, third-party integrations, and automated solutions to achieve efficiency and scalability in compliance processes.

Preferred Qualifications

• Data analysis tools such as SQL.
• Experience in transaction monitoring or financial investigations, Sanctions, AML/EDD/KYC/KYB.
• Knowledge of payment processing systems and associated risks.

Pay and benefits

The annual US base salary range for this role is $89,000 - $133,400. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location.

Hybrid work at Stripe

This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office). In-office expectations Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams. Working remotely at Stripe A remote location is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently live or plan to live.