Risk Strategist, Onboarding and Compliance

About the role

The Onboarding and Compliance Risk Strategy team serves as a key risk management function that partners with product, engineering, and cross-functional teams to bring products to market safely and responsibly. We're seeking a strategic-minded and collaborative risk professional to build and scale the risk management and compliance foundations for our Financial Account products, our new and existing credit products, and the global payment networks that power them.

Responsibilities

• 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 compliance controls and strategy to build trust and confidence.
• Extend your expertise to new regions and payment schemes, learning new regulatory and technical landscapes to enable 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.
• Able 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.

Qualifications

• 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

• Equity
• Company bonus or sales commissions/bonuses
• 401(k) plan
• Medical, dental, and vision benefits
• Wellness stipends

Pay

• The annual US base salary range for this role is $123,600 - $185,400.

Schedule

• This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).