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 teamThe Risk Partnerships team is an essential part of Stripe’s Global Partnerships organization. Our team is responsible for building and maintaining relationships with key partner banks to manage risk for Stripe’s business activities. These banking partnerships enable Stripe to accept and make payments, provide credit, move and store money, and develop new products and solutions to meet our users’ needs. We work across a broad range of risk and compliance topics, including credit, fraud, regulatory, financial crime, reputational, product, and operational risks.
What you’ll doYou’ll work with key banking and network partners across North America that provide bank identification number (BIN) sponsorship for merchant acquiring and card issuing. You’ll also bring experience managing risk across money transmission.
Risk management is a critical part of these relationships, and you’ll need a broad understanding of risk disciplines across merchant acquiring and banking. You’ll lead activities to improve risk management interactions between Stripe and its partners, manage key aspects of partner relationships, and execute high-impact initiatives.
You’ll work closely with internal and external stakeholders to set objectives, coordinate priorities, and drive execution. Internally, you’ll coordinate with product and engineering teams, as well as Risk, Fraud, Financial Crime & Supportability, Operations, Legal, and Finance. Externally, you’ll work closely with partners’ risk and compliance teams, including senior management.
Responsibilities- Lead risk-focused initiatives with global financial partners, including banks, networks, and payment methods, to support new business opportunities and user verticals, develop shared risk methodologies, and establish and maintain compliance with agreed risk appetites
- Manage relationships with key risk counterparts at partner banks and develop projects and initiatives that support those relationships
- Deliver business and policy recommendations that inform Stripe’s risk posture
- Represent and negotiate Stripe’s risk approach with banking partners
- Improve existing partner-facing risk management capabilities and develop new ones
- Lead risk-related partnership and product discussions with banking partners to align on risk approaches and strategies
- Identify and pursue business opportunities by creating risk-aware solutions that expand Stripe’s product and user base through banking partnerships
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 of experience in a risk-related role at a bank or merchant acquirer, or a role requiring deep knowledge of risk and compliance issues; 5+ years of experience in risk management at a bank or merchant acquirer
- Ability to represent Stripe on risk, compliance, and product issues with banking partners to maintain positive relationships
- Strong organizational, planning, and written and verbal communication skills to support understanding, collaboration, and issue resolution
- 2+ years of experience improving processes and scaling solutions
- Strong stakeholder management skills, including handling difficult situations, negotiating timelines, and influencing stakeholders across organizations and borders, along with the ability to work proactively and independently in uncertain and ambiguous environments
- Experience with financial crime programs, including know your customer and know your business processes, anti-money laundering, sanctions, and counter-terrorist financing, with practical knowledge of the Bank Secrecy Act and anti-money laundering regulations
- Strong understanding of the complex risks involved in managing a merchant acquiring business, including high-risk sectors
- Market experience across America and Canada, with an understanding of how current and future regulations will affect Stripe and its banking partners
- Experience using technology to develop and embed scalable risk and operational processes
