The opportunity
Stripe’s Financial Crimes Compliance Risk Oversight (FinCRO) team is looking for a U. S.
What you'll do
Own the second-line compliance framework for Stripe’s U.S. BaaS products: (i.e., Capital, Issuing, and Treasury) and bank-fintech partnerships. Make sure responsibilities are clear across Stripe, sponsor banks, program managers, processors, and other partners.
Turn U.S. federal and state laws, guidance, enforcement actions, and: supervisory expectations into practical policies, product requirements, controls, procedures, evidence standards, and monitoring.
Set and oversee controls for BSA/AML, customer identification and: verification, customer due diligence and beneficial ownership, transaction monitoring, suspicious activity escalation, sanctions screening, and recordkeeping.
Oversee consumer and lending compliance for BaaS products, including UDAAP;: Regulations E, Z, B, and DD; fair lending; FCRA; SCRA; FDCPA; complaints and disputes; adverse action; collections; marketing and disclosures; fees; account restrictions; and account closures.
Oversee deposit-product compliance, including FDIC insurance representations,: Reg CC, pass-through insurance requirements, pooled or custodial structures, customer-level records, ledger integrity, reconciliation, and access to funds.
Define compliance expectations for privacy, cybersecurity, incident: escalation, operational resilience, business continuity, data access, record retention, and an orderly wind-down of BaaS programs.
What they're looking for
- At least 7 years of experience in U.S. banking, fintech, or: financial-services compliance, including substantial work with BaaS, bank-fintech partnerships, embedded finance, or deposit, card, payment, or lending products.
- A deep understanding of the U.S. regulatory framework for BaaS and how: responsibilities are divided among sponsor banks, fintechs, program managers, processors, and other service providers.
- Hands-on expertise across several relevant areas, such as BSA/AML and: sanctions, consumer financial protection, fair lending, deposit and FDIC insurance requirements, third-party risk, complaints and disputes, privacy and cybersecurity, ACH or card programs, and state money transmission or lending requirements.
- A track record of turning complex U.S. legal and regulatory requirements into: practical policies, product requirements, controls, procedures, monitoring, testing, and evidence.
- Experience with the full compliance control lifecycle: assessing risk and obligations, designing and implementing controls, documenting decisions, testing or monitoring, managing issues, overseeing remediation, and reporting to governance forums.
- Experience reviewing new products and material changes, as well as supporting: regulatory change, licensing analysis, exams, audits, enforcement remediation, or commitments to regulators and Boards.
- Sound judgment, especially when ownership, regulatory precedent, or operating: boundaries are not clear. You know how to separate second-line oversight from first-line execution and still move the work forward.
- The ability to influence and coordinate across Compliance, Legal, Product,: Engineering, Risk, Operations, Internal Audit, sponsor banks, and senior stakeholders without relying on formal authority.
