MaaS User Oversight Risk Strategist

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 Money as a Service - User Oversight team, part of Risk Strategy, serves as a key risk management function that partners with internal and external cross-functional teams to help Stripe users bring products to market safely and responsibly. As we expand our product coverage and tackle new and complex risk and compliance challenges, we are looking for an experienced Risk Strategist to help define the strategic direction of user oversight, own the design and delivery of scalable risk programs, and  shape how we enable users to bring regulated financial products to market responsibly and at scale.

What you’ll do

You will own the end to end delivery and define the Standards for enabling new users access to regulated financial product offerings, and manage users access to those products ongoing. You will influence internal product and GTM roadmaps and represent Stripe's program integrity to bank partners, regulators, and users. You’ll interface with prospective and current users, educate and support our Product and Go To Market teams, and drive program and control effectiveness among internal and external stakeholders.

Responsibilities

• Be the primary strategic advisor on the compliant implementation of regulated financial products, including Issuing, Capital, and Treasury; drive durable, scalable solutions that protect Stripe while enabling user growth
• Define and own the risk standards framework for new and existing regulated product offerings, directly influencing Product and GTM roadmaps and ensuring risk controls are embedded into product design from inception
• Lead and manage internal and external approvals on Stripe user content related to their financial product integrations, driving alignment across cross-functional and external stakeholders
• Own and execute a rigorous audit program for Stripe users, including marketing, user-facing communications, and user experience documentation and identify systemic patterns and translate findings into program improvements
• Design, implement, and continuously improve a scalable compliance monitoring program; lead remediation efforts directly with Stripe users and drive systemic, durable fixes that reduce recurring risk exposure
• Lead and represent Stripe in bank partner audits, regulatory exams, and internal compliance testing; own issues remediation end-to-end and ensure findings are addressed with structural soundness
• Define and track program KPIs and KRIs to measure the effectiveness of user oversight controls; proactively identify performance gaps and lead remediation to ensure program integrity and measurable effectiveness at scale
• Act as a strategic thought partner and subject matter expert to cross-functional teams (Product, Legal, GTM, Engineering), Stripe's bank partners, and users — influencing program direction and advocating for scalable, risk-aware solutions

Who You Are

We're looking for a strategic thinker who can design high-leverage operating models and translate complex regulatory requirements into scalable, technology-enabled execution. You are comfortable owning the full lifecycle of compliance programs, from defining standards and embedding controls, to measuring effectiveness and representing program integrity to leadership, regulators, and external partners. You operate with a high degree of autonomy, proactively surface risks and opportunities, and multiply your impact by influencing across teams and organizations.

Minimum Requirements

• 10+ years of experience in risk strategy, policy, compliance, or a related field, including demonstrated ownership of program design and end-to-end execution in a regulated financial products environment
• Experience working with lending and/or consumer programs, financial products, and related regulations (e.g., fair lending laws / ECOA, UDAP, SCRA, conduct risk, complaints handlings)
• Proven track record of building or expanding compliance program infrastructure to incorporate oversight of new products and services, including developing new processes, workflows, and controls from the ground up
• Ability to tackle ambiguous situations and operate efficiently and independently in a fast-paced, high-volume and technology-driven environments
• Strong instinct for when to escalate potential compliance issues, and experience doing so effectively with senior leadership and external partners
• Demonstrated experience deploying or directing automation and AI-enabled solutions in a compliance or risk program context, including defining performance benchmarks and evaluating output quality
• Respect for and deep interest in financial rules and regulations, as well as an eagerness to innovate and drive the financial technology industry forward

Preferred Qualifications

• Experience building compliance programs within financial technology companies
• CRCM or equivalent certification
• SQL experience