Operations Associate, Financial Crimes (AML Investigations)

Stripe

WHO WE ARE ABOUT STRIPE At Stripe, our Mexico City office is a vibrant hub at the forefront of our mission to reshape the financial landscape for businesses worldwide. Our team prioritizes collaboration, innovation, and excellence. As a member of the Mexico City team, you'll be part of a mission-driven community dedicated to enhancing the global economy and increasing the GDP of the internet. We strive for excellence by creating with craft and beauty, while having fun and celebrating our successes together.We cultivate a culture of collaboration, inclusivity and support where every team member’s voice matters. Our commitment shines through as we handle over a million support cases each year, empowering our users not just to solve problems but to achieve their goals. ABOUT THE TEAM Did you know that only around 4% of the world’s GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity, and global prosperity. While the promise of a global online economy is palpable, it comes with significant risk. Each day, bad actors disrupt the trust and safety of the internet and increase the barrier to entry for online businesses. The Financial Crimes team ensures that our platform remains safe, that prohibited parties are not allowed to utilize our services, and that we identify bad actors engaging in money laundering or other financial crimes.  WHAT YOU’LL DO We're looking for someone who is passionate about fighting financial crimes and solving the puzzle of investigations, is naturally curious, and is comfortable operating in ambiguity and finding creative solutions. You'll be responsible for conducting investigations and making account-level judgments and recommendations for regulatory reporting. You'll be confident in looking through data, assessing various indicators, and making judgements on your findings. The right candidate for this role will have experience in financial crimes compliance, preferably within the fintech or e-commerce space. RESPONSIBILITIES * Conduct decision reviews for Enhanced Due Diligence (EDD) and Politically Exposed Persons (PEP)  * Understand complex regulatory and compliance requirements within the financial services space and complete analyses in accordance with these requirements * Analyze complex problem and exercising sound analytical judgment on investigation resolutions or decisions * Perform assignments and tasks of high complexity and resolving incoming requests from internal Stripe teams, financial partners, or other parties  * Adhere closely to process documentation and draft clear and concise investigative summaries and analyses, including draft regulatory reports for submission  * Be a part of building a brand-new team and operational culture for Stripe 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 * 2+ years of experience in financial crimes, AML, EDD, or PEP roles * Experience conducting in-depth user KYC, nature of business, adverse media, high risk country and business sector reviews in EDD work flows  * Experience reviewing PEP and user alert details, understanding mitigation factors and making determinations and escalations  * General awareness of money laundering, terrorism financing, and sanctions trends and regulatory developments * Independently analyze and evaluate information from various data sources to determine a course of action for a matched case * Ability to clearly record by writing the rationale and documenting the evidence of the decision making process about the match being positive or false for analytical, presentation, and audit purposes * Excellent written, spoken, and interpersonal skills,  * Excellent problem-solving skills and demonstrated ability to work independently, analyze problems and data sets to make complex investigation decisions  * Self-disciplined, diligent, proactive, and detail oriented * The SDC operates during daytime hours with shifts from the morning through early evening. PREFERRED QUALIFICATIONS * Knowledge of payments and fintech industry  * Familiarity with SQL and ability to use template or pre-made SQL queries as part of investigations

Stripe

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 The Financial Crimes team plays a critical role in ensuring a healthy financial ecosystem and maintaining trust in Stripe's platform. We ensure that prohibited parties cannot utilize our services and identify bad actors engaging in money laundering, terrorist financing, or other financial crimes. As Stripe’s user base and global footprint grows dramatically, this team is essential for mitigating risk and upholding regulatory compliance, directly contributing to Stripe's mission of increasing the GDP of the internet safely and responsibly.   At Stripe, our Mexico City office is a vibrant hub at the forefront of our mission to reshape the financial landscape for businesses worldwide. Our team prioritizes collaboration, innovation, and excellence. As a member of the Mexico City team, you'll be part of a mission-driven community dedicated to enhancing the global economy and increasing the GDP of the internet. We strive for excellence by creating with craft and beauty, while having fun and celebrating our successes together. We cultivate a culture of collaboration, inclusivity and support where every team member’s voice matters. Our commitment shines through as we handle over a million support cases each year, empowering our users not just to solve problems but to achieve their goals. WHAT YOU’LL DO As Stripe’s user base and global footprint grows dramatically, we are looking for someone who is passionate about people and operations to help build teams, We are looking for someone who is passionate about fighting financial crime, preferably within e-commerce or payments, and who possesses a deep understanding of KYC onboarding and periodic customer reviews and AML risk mitigation techniques. This person will cultivate the engagement of their team members while guiding them to be the best financial crime investigators they can be, through feedback, coaching, mentoring, and advocacy within the organization. This means helping to set team goals, and using metrics to efficiently measure and guide team performance in pursuit of those goals. Stripe is both a technology company and a financial services company, and you will need to be comfortable straddling both of those worlds every day.  The right person for the role will enjoy dealing with that puzzle, seeking creative solutions and moving quickly, often in the face of ambiguity. You will have a strong operations mindset, be passionate about people management, drive strong quality standards, and have deep expertise in financial crimes investigations and research techniques. RESPONSIBILITIES * Recruit, manage, coach, and develop a new team of in-office Financial Crimes Operations Associates who conduct Enhanced Due Diligence Reviews for Stripe's High risk customers while adhering to the Regulatory and compliance Guidelines. * Guide your team in completing KYC in conducting in-depth reviews in user documentation and public databases for alerted individuals, adverse media, high risk country and business sector reviews  *  Awareness of money laundering, terrorism financing, and/or sanctions trends and regulatory developments * Drive strong operational delivery and process improvement helping to mitigate financial crimes risk while balancing operational efficiency and user impact * Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate risks * Provide guidance and coaching on risks that are relevant to all of Stripe’s geographies, i.e., North America, Latin America, Asia Pacific, and European markets * Build a great culture and ensure team members are happy, effective, and growing in their career * Set clear goals and direction, and provide regular feedback on team members’ performance * Be data-driven in your analysis of performance, and in your decision making. 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 * Minimum of 5 years experience leading financial crimes teams * Minimum of 12+ Years of Experience with payments, risk, compliance, and / or financial services industry operations. * Managed large teams (typically 30+) at global companies but excited about pursuing scrappiness to build and manage a leaner team in start-up to drive efficiencies and productivity to solve complex problems  * Expertise in KYC and AML regulations *  Knowledge of financial crime regulatory frameworks, inclusive of BSA Patriot Act, OFAC, and EU Anti-Money Laundering Directives * Experience working cross-functionally with multiple teams to deliver high impact initiatives  * Experience in delivering weekly and monthly business metrics and reporting * An ability to partner effectively with globally distributed internal stakeholders * Passion for process improvement and innovation by identifying and remediating quality gaps in team performance * Excellent written and verbal communication skills in English and Spanish PREFERRED QUALIFICATIONS * Strong operational background including new process launch, service delivery in a high growth technology company * Familiarity with the financial crime technology stack (including watchlist management systems, case management tooling, transaction monitoring and screening)

Stripe

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 At Stripe, our Mexico City office is a vibrant hub at the forefront of our mission to reshape the financial landscape for businesses worldwide. Our team prioritizes collaboration, innovation, and excellence. As a member of the Mexico City team, you'll be part of a mission-driven community dedicated to enhancing the global economy and increasing the GDP of the internet. We strive for excellence by creating with craft and beauty, while having fun and celebrating our successes together. We cultivate a culture of collaboration, inclusivity and support where every team member’s voice matters. Our commitment shines through as we handle over a million support cases each year, empowering our users not just to solve problems but to achieve their goals. What you’ll do We are looking for someone who is passionate about fighting financial crimes and solving the puzzle of investigations, is naturally curious, and is comfortable operating in ambiguity and finding creative solutions. You will be responsible for conducting investigations and making account-level judgments and recommendations for regulatory reporting. You will be confident in looking through data, assessing various indicators, and making judgements on your findings. The right candidate for this role will have experience in financial crimes compliance, preferably within the fintech or e-commerce space Responsibilities * Conduct a wide variety of analyses, including: * Conducting screening (“watchlist” and “keyword”) reviews on merchants as part of Stripe’s sanctions program * Analyzing and investigating accounts for exposure to both listed persons and high-risk/prohibited jurisdictions   * Understand complex regulatory and compliance requirements within the financial services space and complete analyses in accordance with these requirements * Conduct in-depth open source research as part of Sanctions reviews, including in the open web, corporate registries, governmental databases, and social media platforms, to understand the use case and appropriately assess the relevant sanctions and financial crimes risk    * Analyze complex problem and exercising sound analytical judgment on investigation resolutions or decisions * Perform assignments/tasks of high complexity and resolving incoming requests from internal Stripe teams, financial partners, or other parties  * Adhere closely to process documentation and draft clear and concise investigative summaries and analyses, including draft regulatory reports for submission 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 * 2+ years of experience in Sanctions roles * Experience conducting in-depth open source research across a wide range of information sources, including the web and global social media platforms * General awareness of money laundering, terrorism financing, and sanctions trends and regulatory developments * Independently analyze and evaluate information from various data sources to determine a course of action for a matched case * Ability to clearly record by writing the rationale & documenting the evidence of the decision making process about the match being positive or false for analytical, presentation, and audit purposes * Excellent English written, spoken and interpersonal skills, * Excellent problem-solving skills and demonstrated ability to work independently, analyze problems and data sets to make complex investigation decisions * Self-disciplined, diligent, proactive and detail oriented * You're willing to periodically work a weekend day for which you will receive a weekday off; the SDC operates during daytime hours with shifts from the morning through early evening