Credit Risk Strategy Manager

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 Onboarding and Compliance Risk Strategy team serves as a key risk management function that partners with product, engineering, and cross-functional teams to bring products to market safely and responsibly. We're seeking a strategic-minded and collaborative risk professional to build and scale the risk management and compliance foundations for our Financial Account products, our new and existing credit products, and the global payment networks that power them. WHAT YOU'LL DO Stripe is building new products that expand the scope of problems we tackle beyond payments and into the rest of the financial stack. Right now this includes Capital, Financial Accounts, and Issuing—and there's more on the way. Stripe is a technology company that operates within the financial services industry, and you'll need to be comfortable straddling both of those worlds every day. You'll thrive working at the intersection of an emerging sector and a traditional industry, seeking creative solutions to traditional problems, and enabling the business responsibly while moving with urgency and focus. We're currently hiring for two roles, one with a focus on lending products and another with the focus on global payment networks. If you have experience with either and meet the below qualifications, please apply. RESPONSIBILITIES * Partner with Product, Engineering, and 2LOD teams to design and implement data-driven, risk-based KYC/KYB frameworks and compliance controls for our Financial Account, Capital, and Issuing products. * Design and document compliant, scalable funds flow models for global payment networks (e.g., SEPA, FPS, ACH, RTP), translating complex network rules into technical requirements for engineering teams. * Develop and maintain technical compliance documentation, translating complex regulatory requirements (e.g., U.S. lending laws, payment network rules) into actionable guidance for product and engineering teams. * Manage relationships and drive alignment across a wide range of cross-functional stakeholders, including Legal, Customer Support, Partnerships, and 2LOD Compliance, ensuring all voices are heard and decisions are made effectively. * Engage directly with external financial partners, presenting Stripe compliance controls and strategy to build trust and confidence. * Extend your expertise to new regions and payment schemes, learning new regulatory and technical landscapes to enable international expansion. * Utilize data to inform risk strategy, compliance solutions, and decision-making by sourcing and analyzing product and user data to measure control effectiveness. 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 * 5 years of professional experience in compliance, product risk, technical compliance, audit, or similar risk roles at a FinTech, payment provider, or bank. * Proven experience designing and implementing risk-based KYC and KYB programs for business or merchant onboarding. * Proven experience working at a technical level with product managers and engineers, with an ability to design solutions and write technical requirements documentation. * Demonstrated success in managing complex projects with numerous cross-functional stakeholders, driving consensus, and managing expectations. * Excellent communication and presentation skills, with experience engaging directly with external partners and instilling confidence. * Experience sourcing and using data to analyze problems, inform strategic decisions, and measure control effectiveness. * Ability to tackle ambiguous situations and operate efficiently and independently in a fast-paced, high-volume, and technology-driven environment. * Respect for and interest in financial rules and regulations, as well as an eagerness to innovate and drive the financial technology industry forward. PREFERRED QUALIFICATIONS * Deep experience with US financial regulations, particularly those impacting lending, consumer compliance (e.g., TILA, ECOA, UDAP/UDAAP, Fair Lending), and financial crimes (e.g., CIP/CDD) OR a strong technical and operational understanding of payment network funds flows for major schemes such as SEPA, FPS (UK), ACH (US), and RTP (US). * Proficiency with SQL for sourcing and analyzing data. * Proficiency using AI tools to automate document writing, assist in research and analysis, and support recommendations. * Familiarity with digital assets, cryptocurrency, and stablecoin-based payment and settlement flows. * Experience applying regional compliance expertise to new markets.

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 Connections team sources, develops, and manages relationships with our most critical financial institutions, banking, and ecosystem partners. Our team drives the expansion of Stripe's merchant and consumer offerings by building partnerships with the leading companies in these areas. Our team executes on high-impact, cross-functional initiatives with these partners across new product initiatives. These partnerships have a significant impact on Stripe and the products used by millions of our users. WHAT YOU’LL DO We are looking for a Partner Development Manager who will be responsible for driving our open banking partnership strategy and executing partnerships with top financial institutions in support of Stripe's Financial Connections business (stripe.com/financial-connections). You will focus on growing our portfolio of partners with the largest banks and credit unions in the US, expanding Stripe's direct connectivity coverage to ensure consumers have seamless access to their financial data. You will own end-to-end deal strategy and execution—from sourcing and qualification through negotiation and launch—with many of the top financial institutions across North America. As part of these efforts, you will collaborate closely with cross-functional stakeholders, including Product, Engineering, Legal, Finance, Risk, and others. You will also lead relationship management, partnering closely with external partners' executive leadership to grow our mutual businesses together over the long term. RESPONSIBILITIES * Own a partnership portfolio of top financial institutions and drive them through the full partnership lifecycle from initial outreach to scaled growth on Financial Connections * Leverage deep knowledge of the open banking ecosystem to guide internal cross-functional stakeholders (including product, risk, compliance, engineering, security) through an evolving business and regulatory landscape, implementing thoughtful partnership strategies that accelerate Stripe's connectivity across the financial ecosystem * Identify and effectively analyze new partnership opportunities, ultimately making recommendations to relevant decision makers and cross-functional stakeholders * Negotiate strategic partnership agreements with banks and credit unions, navigating complex legal, compliance, and technical requirements * Develop and maintain executive-level relationships at key financial institutions, partnering with Stripe leadership on strategic long term objectives * Exhibit an operationally focused mindset, with an ability to lead teams through complex relationship management activities by setting a clear vision, and running tight processes WHO YOU ARE You are a skilled deal maker and a strategist by nature. You understand how to work closely with Product and Engineering teams and can formulate partner strategies that drive tangible and measurable results. You are genuinely motivated by the vision of open banking, where consumers have the freedom to access, share and use their financial data with any technology platform they choose. MINIMUM REQUIREMENTS * 5+ years of experience in partnerships, business development, corporate development or related field * Experience negotiating commercial deals with financial institutions, including bilateral data access or API agreements * Exceptionally strong communication skills, in both verbal and written form, and ability to influence stakeholders across a wide variety of functions, including at executive levels * Technical acumen, especially an ability to understand product strategy and use this understanding to define requirements for scaling products through partnerships * Experience developing partnership strategies and identifying, sourcing, and analyzing new partnership opportunities * Strong agency, can handle ambiguity in a fast-moving organization, and thrives on a high level of autonomy and responsibility PREFERRED QUALIFICATIONS  * 2+ years of experience working directly with banks, credit unions, or fintechs on data access, open banking, or API connectivity initiatives * Familiarity with open banking standards (FDX), regulatory frameworks (CFPB 1033), and the competitive landscape of financial data aggregation * Experience managing complex, multi-stakeholder deal processes involving legal, compliance, information security, and technical integration teams at large financial institutions

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 Connections team sources, develops, and manages relationships with our most critical financial institutions, banking, and ecosystem partners. Our team drives the expansion of Stripe's merchant and consumer offerings by building partnerships with the leading companies in these areas. Our team executes on high-impact, cross-functional initiatives with these partners across new product initiatives. These partnerships have a significant impact on Stripe and the products used by millions of our users. WHAT YOU’LL DO We are looking for a Partner Development Manager who will be responsible for driving our open banking partnership strategy and executing partnerships with top financial institutions in support of Stripe's Financial Connections business (stripe.com/financial-connections). You will focus on growing our portfolio of partners with the largest banks and credit unions in the US, expanding Stripe's direct connectivity coverage to ensure consumers have seamless access to their financial data. You will own end-to-end deal strategy and execution—from sourcing and qualification through negotiation and launch—with many of the top financial institutions across North America. As part of these efforts, you will collaborate closely with cross-functional stakeholders, including Product, Engineering, Legal, Finance, Risk, and others. You will also lead relationship management, partnering closely with external partners' executive leadership to grow our mutual businesses together over the long term. RESPONSIBILITIES * Own a partnership portfolio of top financial institutions and drive them through the full partnership lifecycle from initial outreach to scaled growth on Financial Connections * Leverage deep knowledge of the open banking ecosystem to guide internal cross-functional stakeholders (including product, risk, compliance, engineering, security) through an evolving business and regulatory landscape, implementing thoughtful partnership strategies that accelerate Stripe's connectivity across the financial ecosystem * Identify and effectively analyze new partnership opportunities, ultimately making recommendations to relevant decision makers and cross-functional stakeholders * Negotiate strategic partnership agreements with banks and credit unions, navigating complex legal, compliance, and technical requirements * Develop and maintain executive-level relationships at key financial institutions, partnering with Stripe leadership on strategic long term objectives * Exhibit an operationally focused mindset, with an ability to lead teams through complex relationship management activities by setting a clear vision, and running tight processes WHO YOU ARE You are a skilled deal maker and a strategist by nature. You understand how to work closely with Product and Engineering teams and can formulate partner strategies that drive tangible and measurable results. You are genuinely motivated by the vision of open banking, where consumers have the freedom to access, share and use their financial data with any technology platform they choose. MINIMUM REQUIREMENTS * 8+ years of experience in partnerships, business development, corporate development or related field * Experience negotiating commercial deals with financial institutions, including bilateral data access or API agreements * Exceptionally strong communication skills, in both verbal and written form, and ability to influence stakeholders across a wide variety of functions, including at executive levels * Technical acumen, especially an ability to understand product strategy and use this understanding to define requirements for scaling products through partnerships * Experience developing partnership strategies and identifying, sourcing, and analyzing new partnership opportunities * Strong agency, can handle ambiguity in a fast-moving organization, and thrives on a high level of autonomy and responsibility PREFERRED QUALIFICATIONS  * 5+ years of experience working directly with banks, credit unions, or fintechs on data access, open banking, or API connectivity initiatives * Familiarity with open banking standards (FDX), regulatory frameworks (CFPB 1033), and the competitive landscape of financial data aggregation * Experience managing complex, multi-stakeholder deal processes involving legal, compliance, information security, and technical integration teams at large financial institutions