Risk Operations Analyst, Financial Crimes

Stripe is a financial infrastructure platform empowering businesses worldwide to accept payments, grow revenue, and accelerate opportunities. Our mission is to increase the GDP of the internet, and we are seeking dedicated individuals to help us achieve this safely and responsibly.

The Financial Crimes team is crucial in maintaining the integrity of Stripe's financial ecosystem. We are responsible for preventing prohibited parties from using our services and identifying malicious actors involved in money laundering, terrorist financing, and other financial crimes. As Stripe continues its rapid global expansion, this team's role in mitigating risk and ensuring regulatory compliance becomes increasingly vital.

• Demonstrate sound judgment and the ability to navigate non-binary, high-risk decisions.
• Adhere closely to processes while continuously questioning assumptions, suggesting improvements, and balancing user experience with compliance requirements.
• Effectively and clearly communicate with internal teams, Stripe's users, and financial partners.
• Identify and assess financial crime risks, conduct reviews using data analysis, and monitor for suspicious activity and trends.
• Facilitate the re-design of business processes, including clarifying issues and driving changes to achieve optimal efficiency, control, and compliance.
• Contribute to building and scaling processes across the financial crimes operations ecosystem.
• Identify gaps in current systems, policies, and strategies, and recommend enhancements and process improvements to mitigate emerging risks through collaboration with stakeholders.

• 4+ years of experience in risk management, compliance, or financial operations.
• Understanding of FinCrime red flags, typologies, and identification methods.
• Experience in developing and implementing process improvements.
• Strong analytical skills with the ability to apply reasoned logic to decision-making and judgments, considering external/internal factors to recommend solutions in complex situations.
• Effective communication skills with the ability to produce clear, precise, and concise written and presentation materials.
• Ability to analyze feedback patterns and leverage these insights to drive process and product improvements.
• Proven track record in developing compliance policies and procedures for payment processing environments.
• Experience conducting merchant risk assessments, transaction monitoring, and implementing risk-based compliance controls.
• Experience driving operational outcomes and managing large-scale operations through vendor partnerships, third-party integrations, and automated solutions to achieve efficiency and scalability in compliance processes.
• Experience with data analysis tools such as SQL.
• Experience in transaction monitoring or financial investigations, Sanctions, AML/EDD/KYC/KYB.
• Knowledge of payment processing systems and associated risks.