Risk Operations Analyst

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.

Partner Risk Operations (PRO) is responsible for managing the risk relationships spanning across global payment method, card, and financial partners. It is our mission to build operational controls to mitigate user and partner risk and enable strategic development opportunities. 

As a Risk Operations Analyst you will be working to ensure our policies, operations, and workflows align to the needs of our financial partners You will be accountable for workflows impacting a variety of cross-functional internal and external stakeholders to identify and assess regulatory, contractual, and partner risk. Further, you will influence and advise operational teams in building out scalable operational processes to ensure compliance with service level agreements, routine reporting, and overall risk mitigation.  

• Demonstrate sound judgment and an ability to navigate non-binary, high-risk decisions
• Evaluate merchants, from successful venture-backed startups to well established institutions, by assessing suitability to process on Stripe
• Adhere closely to process while still constantly questioning assumptions, suggesting improvements, and balancing user experience with compliance requirements
• Effectively and clearly communicate with other Stripes, Stripe's users, and Stripe's financial partners
• Identify trends and further report these to cross functional teams to enhance detection systems
• Contribute to projects to enhance and optimize due diligence strategy systems and tools
• Help build and scale processes across the risk operations eco-system
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks through a collaborative approach with stakeholders

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.

• At least 5+ years of experience in risk management, compliance, or financial operations
• Strong analytical and problem-solving skills
• Excellent communication skills, both written and verbal
• Ability to work independently and collaboratively in a fast-paced environment
• Deep empathy for entrepreneurs running a business, and are motivated to solve problems to empower them
• Can analyze feedback patterns and use these insights to drive process and product improvements
• Payment Compliance & Security: Experience with PCI-DSS implementation, MCC classification and monitoring, and card brand compliance programs
• Third-Party Risk & KYB: Experience with in TPA/marketplace compliance oversight, KYB processes including business verification and beneficial ownership identification, and ongoing due diligence procedures
• Policy Development & Regulatory Knowledge: Proven track record developing compliance policies and procedures for payment processing environments
• Risk Assessment: Experience conducting merchant risk assessments, transaction monitoring, and implementing risk-based compliance controls
• Operational Management & Scaled Operations: 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

• Data analysis tools such as SQL