Risk Strategist, Onboarding and Compliance

Responsibilities

• Partner with Product, Engineering, and 2LOD teams to design and implement data-driven, risk-based KYC/KYB frameworks and compliance controls for Treasury, 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 cross-functional stakeholders, including Legal, Customer Support, Partnerships, and 2LOD Compliance.
• Engage directly with external financial partners, presenting Stripe's compliance controls and strategy.
• Extend expertise to new regions and payment schemes, learning new regulatory and technical landscapes.
• Utilize data to inform risk strategy, compliance solutions, and decision-making by sourcing and analyzing product and user data.

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, designing solutions and writing technical requirements documentation.
• Demonstrated success in managing complex projects with numerous cross-functional stakeholders.
• Excellent communication and presentation skills, with experience engaging directly with external partners.
• Experience sourcing and using data to analyze problems, inform strategic decisions, and measure control effectiveness.
• Ability to tackle ambiguous situations and operate efficiently in a fast-paced, high-volume, technology-driven environment.

Nice-to-Haves

• Deep experience with US financial regulations, particularly lending, consumer compliance (TILA, ECOA, UDAP/UDAAP, Fair Lending), and financial crimes (CIP/CDD) OR strong technical understanding of payment network funds flows (SEPA, FPS, ACH, RTP).
• Proficiency with SQL for sourcing and analyzing data.
• Proficiency using AI tools to automate document writing, assist in research and analysis.
• Familiarity with digital assets, cryptocurrency, and stablecoin-based payment flows.
• Experience applying regional compliance expertise to new markets.