Financial Crimes Policy Manager

Who we are

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.

About the team

The Financial Crimes (FC) team at Stripe serves to protect Stripe and its users from crime. Our people play an important role in combating financial crime across a global footprint and enabling Stripe to responsibly increase the GDP of the internet. As dependable partners for our users, business teams, financial partners, and regulators, the global FC team works as a cohesive whole to manage and mitigate financial crime risks and consistently exceed expectations. We are a deeply caring group of professionals, slightly obsessed with our tradecraft, dedicated to protecting our users and the financial ecosystem from crime, and committed to our work, lives, and hobbies with equal passion.

What you’ll do

Help us protect Stripe and its users from crime by providing support to the Global Head of Financial Crimes Policy while managing the team responsible for overseeing and implementing Stripe’s financial crimes risk policies for onboarding users and payment methods, strategically crafting risk-based and tailored approaches to EDD, responding to executive or external escalations, vetting policy dispensations, regularly refreshing our financial crimes policies, and overseeing the analysis and Stripe response to new regulatory and financial partner requirements. You’ll partner with the Global Head of Financial Crimes Policy and others in FC team leadership to turn our vision for the future of financial crimes compliance into reality by relentlessly cultivating the application of risk-based best practices for policies, processes, and procedures not just within our team but consistently across Stripe.

We are looking for an energetic and seasoned financial crime professional looking to apply their expertise as a leader in our Financial Crimes Policy team. You’ll play a leading role in building Stripe’s Financial Crimes Policy function as it keeps pace with Stripe’s increasing global footprint and product expansions. The successful candidate will be experienced in navigating nuanced and complex problems with a pragmatic, risk-based, and solutions-oriented mindset. A senior financial crimes compliance expert, the successful applicant should also be passionate about the importance of intentional and well-designed policy structures to unlock practical and innovative solutions while carefully balancing regulatory and financial partner considerations. We are looking for someone who is prepared to roll up their sleeves and join the rest of the Financial Crimes Policy team to get “stuck in” as part of the broader team’s activities. Stripe is both a technology company and a financial services company, and you will need to be comfortable straddling both of those worlds every day. The right person for the role will enjoy dealing with that puzzle, seeking creative solutions and moving quickly, often in the face of ambiguity.

Responsibilities

• Oversee the creation of risk-based policies across the Financial Crime programme, including KYC/CIP/onboarding, ongoing monitoring, etc
• Establish risk-based policy frameworks which create global standards, while partnering with regional teams to meet local expectations and enable business growth
• Leverage expertise about industry standards, best practices, and regulatory requirements to set consistent and defensible policy guidelines for Stripe’s products, customers, and processes
• Oversee and coordinate policy exception requests and make recommendations based on an analysis of regulatory expectations, industry standards and best practices, and business opportunity
• Oversee the sub-team responsible for maintaining, updating, and forwarding for Board approval all Stripe-wide FC policies, including the Global Sanctions Policy and Global AML Policy
• Create strong relationships that enhance team performance and drive effective operations to create an effective working environment
• Coordinate work between teams cross-functionally and monitor progress toward objectives

Who you are

We’re looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum requirements

• 10 years experience at working on KYC/CIP/onboarding, Due Diligence, AML policies at a financial institution, multinational corporation, or other similar large organization
• 3 years of people management experience
• Extensive relevant experience designing tailored risk management policies and frameworks, including crafting standards based on industry best practices and regulatory guidance
• Demonstrated experience in strategic change and growth of a complex Financial Crimes program
• Demonstrated experience in developing and embedding a “culture of compliance” at an organizational level
• Effective relationship building with product and sales professionals to enable safe and rapid growth
• Strong desire to innovate and improve financial crime compliance effectiveness at a systemic level
• Experience in juggling numerous aspects of an AML/CTF/sanctions compliance program
• Ability to work efficiently and independently in a fast-paced, high-volume environment
• Ability to work cross-functionally with internal stakeholders
• An effective and relatable “culture of compliance” mentality

Preferred qualifications

• Payments or FinTech experience
• Demonstrable experience in another financial crimes subject matter area
• A JD or equivalent legal degree