Risk Strategist, Onboarding & Compliance

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career.

Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career.

Who we are Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career.

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. Our work spans money movement, money storage, lending, and emerging product areas including embedded finance, stablecoin settlement, and digital assets — requiring fluency in both traditional financial regulation and the compliance obligations unique to fintech‑native products.

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.

Stripe is building new products that expand the scope of problems we tackle beyond payments and into the rest of the financial stack. Right now this includes Capital, Financial Accounts, and Issuing - and there's more on the way. 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.

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. We are currently hiring for two roles, one with a focus on lending products and another with the focus on global payment networks.

If you have experience with either and meet the below qualifications,

• Partner with Product, Engineering, and 2
  
  LOD teams to design and implement data‑driven, risk‑based KYC/KYB frameworks — including CIP, CDD, EDD, beneficial ownership, identity verification, and automated decisioning logic — that balance onboarding conversion, user friction, and compliance requirements across Financial Account, Capital, and Issuing products.
• Design risk‑tiered onboarding standards and progressive KYC/KYB frameworks that optimize conversion rates while maintaining appropriate controls; define risk acceptance criteria, gating logic, and escalation pathways for edge cases, manual review, and policy exceptions.
• 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…