Risk Strategist, Onboarding and Compliance

Stripe • Toronto, ON

6h

About The Position

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, Treasury, 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, please apply!

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.
• Ability 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.

Nice To Haves

• 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.

Responsibilities

• Partner with Product, Engineering, and 2LOD teams to design and implement data-driven, risk-based KYC/KYB frameworks and compliance controls for our 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 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's compliance controls and strategy to build trust and confidence.
• Extend your expertise to new regions and payment schemes, quickly learning new regulatory and technical landscapes to enable Stripe's 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed