Risk Operations Analyst, Financial Crimes Programs

Coinbase

Ready to do the most impactful work of your career? At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase. As a Risk & Monitoring Analyst IV on the Operational Risk and Controls (ORC) team within Global Financial Crimes Operations (GFCO), you'll own quality assurance reviews of TMS investigations that support Coinbase's AML/CFT program. You'll strengthen consistency in case execution, surface procedural gaps, and partner across Operations, Compliance, Analytics, and Learning & Development to turn quality insights into measurable operational improvements. What you'll do: * Review TMS cases against established QA rubrics, including core sampling for regulatory filings (SARs) and risk-based sampling across priority compliance areas. * Lead calibration sessions, office hours, and structured analyst support to drive consistency and deepen understanding of complex procedural requirements. * Conduct root cause analysis on thematic quality issues and translate findings into actionable recommendations for process, training, and procedural updates. * Partner with second line of defense stakeholders and deliver timely, well-supported responses to review and audit findings. * Build and present weekly metrics, dashboards, and trend analyses that highlight risks, performance themes, and improvement opportunities to senior stakeholders. * Train new joiners, validate practice cases, and provide structured feedback to accelerate analyst readiness and quality performance. Required Skills and Experience: * 6+ years of experience in quality assurance, quality control, audit, or financial crime investigations within a regulated financial services environment. * Working knowledge of BSA/AML laws, regulations, and requirements, with demonstrated ability to apply risk-based judgment when reviewing complex investigations. * ACAMS certification or equivalent AML qualification. * Proven experience producing compliance metrics, dashboards, and performance reporting for operational and compliance stakeholders (proficiency in Google Sheets/Excel and Google Slides/PowerPoint). * Track record of presenting QA findings, root cause analyses, and procedural recommendations to senior compliance and operations leaders across multiple regions. * Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality. Pay Transparency Notice: The target annual base salary for this position can range as detailed below. Total compensation may also include equity and bonus eligibility and benefits (including medical, dental, and vision). Annual base salary range (excluding equity and bonus): £55,620—£61,800 GBP * Application Limit: Candidates may submit a maximum of 3 applications within a 6-month period. * Equal Opportunity Employer: Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws. * US Applicants: View Employee Rights, Know Your Rights, and E-Verify Notice of Participation. * Accommodations: If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com. Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial. * Data Privacy & Arbitration: By submitting your application, you agree to our Candidate Privacy Notice. US applicants: By submitting your application, you agree to Arbitration of Disputes.

Coinbase

Ready to do the most impactful work of your career? At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase. As a Risk & Monitoring Analyst IV on the Operational Risk and Controls (ORC) team within Global Financial Crimes Operations (GFCO), you'll own quality assurance reviews of TMS investigations that support Coinbase's AML/CFT program. You'll strengthen consistency in case execution, surface procedural gaps, and partner across Operations, Compliance, Analytics, and Learning & Development to turn quality insights into measurable operational improvements. What you'll do: * Review TMS cases against established QA rubrics, including core sampling for regulatory filings (SARs) and risk-based sampling across priority compliance areas. * Lead calibration sessions, office hours, and structured analyst support to drive consistency and deepen understanding of complex procedural requirements. * Conduct root cause analysis on thematic quality issues and translate findings into actionable recommendations for process, training, and procedural updates. * Partner with second line of defense stakeholders and deliver timely, well-supported responses to review and audit findings. * Build and present weekly metrics, dashboards, and trend analyses that highlight risks, performance themes, and improvement opportunities to senior stakeholders. * Train new joiners, validate practice cases, and provide structured feedback to accelerate analyst readiness and quality performance. Required Skills and Experience: * 6+ years of experience in quality assurance, quality control, audit, or financial crime investigations within a regulated financial services environment. * Working knowledge of BSA/AML laws, regulations, and requirements, with demonstrated ability to apply risk-based judgment when reviewing complex investigations. * ACAMS certification or equivalent AML qualification. * Proven experience producing compliance metrics, dashboards, and performance reporting for operational and compliance stakeholders (proficiency in Google Sheets/Excel and Google Slides/PowerPoint). * Track record of presenting QA findings, root cause analyses, and procedural recommendations to senior compliance and operations leaders across multiple regions. * Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality. Pay Transparency Notice: The target annual base salary for this position can range as detailed below. Total compensation may also include equity and bonus eligibility and benefits (including medical, dental, and vision). Annual base salary range (excluding equity and bonus): €67.000—€67.000 EUR * Application Limit: Candidates may submit a maximum of 3 applications within a 6-month period. * Equal Opportunity Employer: Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws. * US Applicants: View Employee Rights, Know Your Rights, and E-Verify Notice of Participation. * Accommodations: If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com. Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial. * Data Privacy & Arbitration: By submitting your application, you agree to our Candidate Privacy Notice. US applicants: By submitting your application, you agree to Arbitration of Disputes.

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 Stripe's mission is to increase the GDP of the internet — and we do that responsibly. The User Risk Strategy (URS) function is at the heart of that responsibility: it is the team that defines who Stripe can do business with, on what terms, and how those standards are maintained and enforced at scale. The function sits within the First Line of Defense in Stripe's Risk organization and is the authoritative owner of Stripe's supportability framework. We are looking for a seasoned leader to own and evolve the URS / Supportability function as a Manager of Managers (M2). In this role, you will lead a team of risk strategists and analysts across Ecosystem Strategy, New Product Enablement, User Insights & Enablement, Platform Risk Strategy, and Enforcement & Monitoring Strategy (EMS). You will be a senior leader in the Risk Strategy organization, shaping the direction of Stripe's supportability ecosystem and driving cross-functional decisions that directly influence Stripe's ability to grow safely. In this role, you will report into the Head of Risk Strategy and partner closely with Product, Engineering, Legal, Financial Crimes, Financial Partnerships, Operations, and GTM leadership. WHAT YOU’LL DO RESPONSIBILITIES STRATEGY & VISION * Own the long-term vision and strategy for Stripe's User Risk / Supportability function, ensuring legitimate users can use Stripe while protecting Stripe's financial platform, brand, and regulatory standing. * Translate Stripe's business objectives and risk appetite into a cohesive, multi-year supportability strategy that balances risk exposure with user experience. * Define the risk/reward framework for new industry enablement and new product enablement — setting the standard for how Stripe evaluates and expands access responsibly. * Develop and execute a clear roadmap across the URS organization that is aligned to Stripe's SOKRs and articulated to senior leadership. ECOSYSTEM STRATEGY * Own Stripe's global Terms of Service standards — the Supportability Handling Guide — including restricted and prohibited business categories. * Set the strategic direction for how Stripe's supportability ecosystem evolves as Stripe's product footprint and geographic reach expand. * Be the final decision-maker on policy changes that carry meaningful risk exposure or require cross-functional alignment, and represent Risk's position with Legal, FinCRO, card networks, and external partners. * Integrate financial partner Restricted/Prohibited Business Lists (RBL/PBL) into Stripe's policy framework. NEW PRODUCT ENABLEMENT * Lead the strategy and approval process for new product enablement — developing the appropriate RBL/PBL strategy for new products and incorporating new bank partner requirements. * Ensure that risk standards are embedded early in the product development lifecycle, partnering with Product and Engineering to shape how supportability is implemented in new Stripe products. * Work with Legal and Financial Partnerships to assess and integrate compliance obligations introduced by new products and banking relationships. USER INSIGHTS & ENABLEMENT * Lead the strategy for new industry enablement — evaluating emerging and underserved industries for supportability, and developing the frameworks that allow Stripe to access these markets responsibly. * Own the Large User Advisory function, providing structured, high-quality guidance on complex user-specific supportability questions — enabling GTM and Partnerships to unlock revenue while managing risk appropriately. * Develop scalable frameworks for advisory decisions so the function can handle growing volume without compromising quality. PLATFORM RISK STRATEGY * Lead Platform Risk Strategy, which covers large user requests, health monitoring, and education for Stripe's largest and most complex users. * Develop scalable approaches to managing the supportability risk profile of Stripe's largest platforms and complex use cases, providing clear guidance and risk frameworks to internal stakeholders. * Drive education and self-service capabilities so that internal teams and users can navigate Stripe's supportability standards more independently. ENFORCEMENT & MONITORING STRATEGY (EMS) * Provide strategic direction to the EMS team, which is responsible for integrating Stripe's supportability standards into detection and enforcement systems. * Ensure that URS standards are operable, enforceable, and continuously tuned based on performance data and insights. * Partner with Engineering, Product, and Data Science to develop data-driven detection strategies, improve enforcement precision, and reduce false positives that create unnecessary user friction. * Maintain global EMS coverage, including regional strategy across North America and EMEA/APAC. PEOPLE & ORGANIZATIONAL LEADERSHIP * Lead and develop a team across five sub-teams, including multiple team-level managers (M0/M1) and senior individual contributors. * Set a high bar for talent and actively recruit, develop, and retain excellent risk strategists. * Build a team culture grounded in Stripe's Operating Principles — one that is analytically rigorous, user-centric, and collaborative. * Coach and develop your direct reports to grow in both their functional craft and their leadership capabilities. * Build succession depth and develop a clear talent strategy for the function. CROSS-FUNCTIONAL LEADERSHIP * Act as the senior Risk Strategy voice in cross-functional risk forums, product reviews, and partner negotiations relevant to supportability. * Partner with Product and Engineering on the Supportability platform, influencing the roadmap to ensure our systems accurately reflect policy intent and scale effectively. * Work with GTM and Partnerships to develop scalable access to supportability information, reducing friction in the sales cycle while maintaining risk discipline. * Engage with Legal and Financial Partnerships on policy positions, regulatory changes, and external partner requirements. * Represent URS at senior Risk leadership reviews and provide clear, data-backed narrative on the state of the supportability ecosystem. * Drive cross-functional programs with impacts across Risk and the broader organization — including Third Party Agent (TPA) programs, Actor-Level Enforcement, and strategic GTM/URS collaboration initiatives — ensuring clear goals, DRIs, and measurable outcomes. 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 * 10+ years of experience in risk strategy, policy, compliance, or a related field, with deep experience in user/merchant risk, supportability, or financial services regulation. * 4+ years of people management experience, including managing managers; demonstrated ability to lead through multiple layers of an organization. * Proven track record of owning and evolving complex policy or standards frameworks at scale, ideally within a payments, fintech, or marketplace context. * Demonstrated ability to deliver at scale — you have built systems, frameworks, and teams that operate well beyond individual effort, and you instinctively design for leverage and repeatability across large, complex organizations. * Champion for AI and automation — you actively seek opportunities to apply AI-powered tooling and automation to accelerate risk strategy work, reduce manual toil, and improve the quality and consistency of decisions at scale; you set the example for your team in adopting and driving these capabilities. * Exceptional cross-functional collaborator — you know how to build trust with Legal, Engineering, Product, Sales, and Operations, and can reconcile competing stakeholder views to drive results. * Analytical rigor — you are comfortable with data and can structure risk/reward trade-offs clearly and compellingly for senior audiences. * Executive presence and clear written and verbal communication — you can distill complex risk topics into actionable narratives for leadership. PREFERRED QUALIFICATIONS * Experience working with card network rules (Visa, Mastercard), financial partner compliance requirements, or regulatory frameworks relevant to payments (e.g., BIN sponsorship, direct acquiring). * Familiarity with supportability or trust & safety systems, detection and enforcement tooling, or risk policy automation. * Experience in a high-growth technology company managing risk at scale.