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

What you’ll do

We're seeking a technically proficient and data-savvy Compliance Data Analyst to join our Risk & Controls Oversight function at Stripe. As part of the Risk & Control Health team, you'll be responsible for conducting technical assessments of our risk and control environment, developing data-driven insights, and creating dynamic dashboards to represent our risk and control health. This role is critical in ensuring Stripe maintains robust risk management and compliance through data-backed analysis and continuous improvement. This role offers an exciting opportunity to leverage your technical skills in data analysis and alongside subject matter expertise in risk and compliance to drive impactful improvements in Stripe's risk and control environment. You'll play a crucial role in enhancing our ability to identify, assess, and mitigate risks across the organization.

Responsibilities

Risk and Control Health Analysis:

• Produce comprehensive risk assessments and control health analyses by compiling data at the macro level and digging into code bases to understand individual controls
• Aggregate and monitor testing results to identify trends and patterns in risk and control effectiveness
• Use overarching assessments to guide deeper investigations into individual controls, creating a continuous feedback loop for improvement

Technical Control Assessment and Testing:

• Conduct rigorous technical testing of individual controls, leveraging your expertise in data analysis
• Identify compliance control deficiencies, assess their impact and draw appropriate conclusions
• Leverage emerging technologies to facilitate speed, dynamism, and accuracy in risk and control testing and assessments

Reporting and Communication:

• Deliver reporting on test outputs to key compliance and cross-functional stakeholders
• Clearly communicate complex technical findings to both technical and non-technical audiences
• Contribute to Top Risk Reporting, providing data-driven insights on critical risk areas

Continuous Improvement:

• Stay informed about emerging technologies and methodologies in risk assessment and data analysis
• Stay up to date with Stripe’s product and business expansion in order to update data, dashboards, and control assessments in line with these changes

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

• 4+ years of experience in data analysis, or a related field, preferably in the fintech or financial services sector
• Strong technical skills, including proficiency in data analysis, SQL, and comfort working with LLM and AI technologies
• Experience in designing and developing metrics that effectively communicate risk and control narratives, enabling data-driven decision-making across the organization
• Experience with data visualization tools and creating dashboards 
• Solid understanding of risk management principles, control frameworks, and compliance areas
• Excellent analytical skills with the ability to work with large datasets and derive meaningful insights
• Strong attention to detail and a commitment to accuracy in data analysis and reporting
• Effective communication skills, able to explain technical concepts to various stakeholders
• Proactive and self-motivated, with the ability to manage multiple projects in a fast-paced environment

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

We’re looking for an experienced regulatory licensing professional to manage our Audit & Regulatory Affairs team. In this role, you will coordinate with Stripe’s Legal, Financial Crimes, Finance, Accounting, Product, and Security teams, to (i) coordinate and submit regulatory license applications; (ii) manage license renewals and licence maintenance items; (iii) manage US regulatory exams and inquiries; and (iv) oversee other aspects of the team’s day-to-day activities, with a focus on licensing and exam activities related to digital assets.

Stripe’s mission is to increase the GDP of the internet. We build the most powerful and flexible tools for running an internet business. We handle billions of dollars each year and enable millions of users around the world to scale faster and more efficiently by building their businesses on Stripe. More than 80% of American adults bought something through Stripe in the last year.

Namely, Stripe’s North America regulatory affairs program plays a critical role in ensuring Stripe effectively manages its regulatory requirements and ongoing regulatory obligations for certain licensed US and Canadian entities. The role provides an excellent opportunity for a talented candidate to deploy their cross-functional licensing and regulatory exam management skills in a fast-paced and rigorous environment, enhance their regulatory risk management expertise, learn about digital assets, carve out opportunities to grow and develop, as well as lead a team of skilled and talented professionals. The successful candidate will gain wide ranging exposure to Stripe's diverse range of business lines, senior leadership, and the governance and workings of the organization.

The ideal candidate will be a self-starter who is exceptionally organized, thorough and detail-oriented, with a background in financial services, payments, digital assets, or other regulated sectors. In this role, you will get a chance to help build, enhance, mature and evolve our regulatory licensing and exam programs and be a key cross-functional partner. Stripe is both a technology company and a financial services company, and you will need to be comfortable in both worlds.

What you’ll do

The Audit & Regulatory Management Lead will help to ensure that all of the relevant components of the regulatory affairs program for licensed US and Canadian entities remain current and compliant, oversee managing and executing US regulatory examinations, and support our Compliance Audit Strategy, with the expectation to build a team who, in due time, will manage and drive exam oversight globally.

Responsibilities

• Coordinate responses to state regulatory inquiries, filings, forms, applications, renewals, surety bonds, and anything else required for license maintenance
• Assist in managing regulatory exams and inquiries, responding to regularly exam matters and monitoring the implementation and closure of any remediation items
• Stay abreast of regulatory changes, particularly with respect to digital assets, and how they impact regulatory affairs’ licensing and exam management program activities and responsibilities
• Establish and maintain relationships with internal and external partners and business units, relevant state and local agencies, licensing consultants, and outside counsel 
• Work proactively with Legal, Finance, Financial Crimes, Affiliate Officers, Product, and other key stakeholders on managing the regulatory affairs’s licensing and examination program 
• Support any end-to-end licensing, examination and related ad hoc inquiries as required in partnership with key stakeholders 
• Engage in special projects in support of the regulatory affairs program in North America

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

• Bachelor’s degree in Finance, Political Science, Economics, or a related field 
• 10+ years experience in financial services, with significant experience in payments— familiarity with money transmitter statutes, NMLS, the BSA, and other areas of financial services, such as digital assets, lending, loan brokering and collections
• A history of professional achievement, including excellent academic credentials and success at a payments startup, financial institution, public sector organization, law enforcement agency, or top in-house legal department 
• Demonstrated familiarity with leveraging Generative AI and agentic workflows to automate preparing responses to routine questions and requests
• The ability to effectively and credibly communicate with senior executives, regulators and other stakeholders 
• Great interpersonal and critical thinking skills, good judgment, and the ability to work effectively with a wide variety of people inside and outside the company
• Robust communication skills

Japan Regulatory Compliance & Money Laundering Reporting Officer (RC & MLRO)

Stripe is seeking a highly experienced and strategic Regulatory Compliance & Money Laundering Reporting Officer (RC & MLRO) to lead our regulatory compliance and financial crimes program in Japan. This role sits within the Affiliates pillar of the Financial Crime, Compliance & Risk Oversight (FinCRO) organization, and you will be reporting to the APAC Affiliates Lead. 

You will be the named RC & MLRO of Stripe Japan and will lead/assist in the registration of Stripe Japan as a Funds Transfer Business Operator (FTBO) with the Kanto Local Finance Bureau (KBF), under the oversight of the Japan Financial Services Agency (JFSA). In your role as the RC & MLRO, you will be the principal decision-maker and strategic lead on regulatory compliance and  financial crime risk management decisions, serving a critical role in ensuring Stripe’s continued safe growth and success in Japan.  You will also be the public face of FinCRO in Japan. The ideal candidate must have deep subject matter expertise and a proven track record building and evolving tech-forward regulatory compliance and financial crime programs (collectively, compliance programs). 

Key Responsibilities

• Strategic Leadership: Develop and implement a robust and effective compliance strategy for Japan, aligning with global FinCRO objectives and business goals, leveraging AI, data science and automation wherever possible. Provide regular reporting and updates to the Stripe Japan’s Board of Directors  regarding the health and effectiveness of the compliance programs.
• Regulatory Compliance and Financial Crimes Programs Oversight: Act as the RC & MLRO, owning and enhancing Stripe Japan's compliance programs, in particular, ensuring the financial crime program is designed to efficiently and effectively prevent, detect, and report money laundering, terrorist financing, and other financial crimes.
• Regulatory Management: Proactively engage with local regulators to shape the future of fintech oversight, advocating for tech-enabled compliance solutions. Serve as the primary point of contact for regulators and an ambassador for Stripe in Japan. 
• External influence: Act as a thought leader in the payments industry, representing Stripe in external forums and groups to help modernize regulatory expectations for the fintech era. 
• Partner and Relationship Management: Build and maintain trust and strong, collaborative relationships with key financial partners, including banks, payment networks, and other third-party providers. Educate partners on Stripe’s compliance programs and controls, and serve as the senior point of contact for escalations.
• Advisory and Consultation: Exercise oversight to ensure Stripe’s program and controls are fit for purpose. Provide expert advice to key stakeholders on product development to foster compliance by design.

Qualifications

• Experience: 10+ years of experience in financial crime, with a significant focus on financial services, fintech, or payments, and deep contacts - and influence - across the industry 
• Regulatory Knowledge: Deep and current knowledge of financial crimes and other relevant financial services laws and regulations across Japan.
• Communication: Exceptional communication skills, with the ability to articulate complex regulatory concepts to both technical and non-technical audiences.
• Strategic Mindset: Ability to think strategically and translate complex regulatory requirements into creative and practical solutions.
• Problem-Solving: Strong analytical and problem-solving skills, with a data-driven approach to decision making
• Resilience: Define and iterate on Stripe Japan’s risk appetite, ensuring a defensible stance as Stripe explores new, high-growth verticals and opportunities
• Data proficiency: High data literacy, ability to work closely with data teams to identify emerging financial crime patterns and validate the effectiveness of detection models

• Certifications: CAMS (Certified Anti-Money Laundering Specialist) or other relevant professional certifications are a plus.

Nice to Have

• Experience working in a global, matrixed organization.
• Deep competence navigating the regulatory guardrails amidst a high-growth environment 

This position offers an exciting opportunity to lead innovative compliance programs in Japan.