Risk Strategist (Onboarding and Compliance)

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Requirements

  • 5 years of professional experience in compliance, product risk, technical compliance, audit, or similar risk roles at a FinTech, payment provider, or bank
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  • Proven experience designing and implementing risk-based KYC and KYB programs for business or merchant onboarding
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  • Proven experience working at a technical level with product managers and engineers, with an ability to design solutions and write technical requirements documentation
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  • Demonstrated success in managing complex projects with numerous cross-functional stakeholders, driving consensus, and managing expectations
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  • Excellent communication and presentation skills, with experience engaging directly with external partners and instilling confidence
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  • Experience sourcing and using data to analyze problems, inform strategic decisions, and measure control effectiveness
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  • Ability to tackle ambiguous situations and operate efficiently and independently in a fast-paced, high-volume, and technology-driven environment
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  • Respect for and interest in financial rules and regulations, as well as an eagerness to innovate and drive the financial technology industry forward
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  • (Desirable) 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)
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  • (Desirable) Proficiency with SQL for sourcing and analyzing data
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  • (Desirable) Proficiency using AI tools to automate document writing, assist in research and analysis and support recommendations
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  • (Desirable) Familiarity with digital assets, cryptocurrency, and stablecoin-based payment and settlement flows
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  • (Desirable) Experience applying regional compliance expertise to new markets
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  • You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns

What the job involves

  • 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
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  • We are 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
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  • Stripe is building new products that expand the scope of problems we tackle beyond payments and into the rest of the financial stack
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  • Right now this includes Capital, Financial Accounts, and Issuing - and there's more on the way
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  • Stripe is a technology company that operates within the financial services industry, and you will need to be comfortable straddling both of those worlds every day
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  • The right person for this role will thrive while working at the intersection of an emerging sector and a traditional industry, seek creative solutions to traditional problems, and enable the business responsibly while moving with urgency and focus
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  • We are currently hiring for two roles, one with a focus on lending products and another with the focus on global payment networks
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  • If you have experience with either and meet the qualifications, please apply!
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  • 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
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  • 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
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  • 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
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  • 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
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  • Engage directly with external financial partners, presenting Stripe's compliance controls and strategy to build trust and confidence
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  • Extend your expertise to new regions and payment schemes, quickly learning new regulatory and technical landscapes to enable Stripe's international expansion
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  • Utilize data to inform risk strategy, compliance solutions, and decision-making by sourcing and analyzing product and user data to measure control effectiveness
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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

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