Risk Operations Analyst (Mandarin Speaking)

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 Fraud Operations team works to identify, investigate, and resolve fraudulent activity before it impacts Stripe’s business or users.  From merchant fraud to card testing and account takeover, our goal is to build a scalable, highly accurate organization of investigators to mitigate risk to Stripe and our users. The team is globally distributed and regularly coordinates with stakeholders across all regions. WHAT YOU’LL DO As the Manager of Fraud Operations, you will lead a team of high-performing fraud analysts and set an inspirational vision for the broader Fraud Operations organization. You will be responsible for driving the execution of short and long-term initiatives to futureproof the organization, ensuring it is well-equipped to scale and adapt to Stripe's highly complex and evolving fraud landscape. RESPONSIBILITIES * Inspire, motivate, and develop a high performing fraud investigations team, fostering a collaborative and results-oriented environment. * Establish clear goals, provide coaching and feedback, and support the professional growth of team members. * Set a strategic vision for the team and build the path to execute it in both the short and long-term. * Proactively evolve the organization’s strategy to scale operations and address day-to-day challenges. * Collaborate with and influence risk leadership and cross-functional stakeholders to identify the highest ROI investments for user experience, process improvement, and risk mitigation. * Maintain oversight of operational vendor performance related to risk. * Lead root cause analysis to identify opportunities to predict, prevent, and mitigate risk within processes and performance. * Define and manage core metrics, SLAs, and performance of the organization. * Identify gaps in current systems, processes, and strategies, and deliver enhancements and process improvements to mitigate existing and emerging risks. * Ensure risk management efforts do not compromise the user experience.  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 * Business-level proficiency in Mandarin (written and spoken) is required, as this role involves communications with our users in the Greater China region. * 10+ years of experience in fraud/risk or management roles, including at least 2+ years of directly leading and developing high-performing teams. * Strong strategic thinking and problem-solving skills, with the ability to translate complex challenges into actionable solutions. * Excellent communication and stakeholder management skills, with the ability to influence and collaborate across functions. * Passion for delivering a user-centric experience while effectively managing risk. PREFERRED QUALIFICATIONS * Expertise in fraud and risk management including data analysis, root cause analysis, and process improvement. Experience analyzing data and creating dashboards and visualizations. * Strong proficiency sourcing and analyzing data using SQL. * Experience working closely with engineering teams to develop and enhance investigative tools and treatments. * Bachelor’s degree or higher in a relevant field; advanced degree or certification is a plus.

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.   WHAT YOU’LL DO 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. RESPONSIBILITIES * Demonstrate sound judgment and an ability to navigate non-binary, high-risk decisions. * 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 and assess financial crime risks, conduct reviews using data analysis, and monitor for suspicious activity and trends. * Facilitate the re-design of business processes including clarifying, identifying issues, and facilitating changes to attain the highest levels of efficiency, control, and compliance. * Help build and scale processes across the financial crimes 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. 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 risk management, compliance, or financial operations. * Understanding of FinCrime red flags, its typologies, and how they can be identified. * Experience in developing/implementing process improvements. * Analytical and demonstrates reasoned logic to decision making and judgements, considers external/internal factors and is able to recommend solutions in complex situations. * Effective communication skills with the ability to produce clear, precise and concise written and presentation materials. * Ability to analyze feedback patterns and use these insights to drive process and product improvements. * 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. PREFERRED QUALIFICATIONS * Data analysis tools such as SQL * Experience in transaction monitoring or financial investigations, Sanctions, AML/EDD/KYC/KYB * Knowledge of payment processing systems and associated risks

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 Strategic Supportability Operations (SSO) sits within Risk Operations and User Policy Operations. Our team is focused on protecting and advancing Stripe's business, brand, and mission by deploying industry-leading supportability solutions that instill user and partner trust in Stripe, while enabling progressive and sustainable business growth. Unlike other Risk Operations teams, SSO handles the most complex, high-stakes, and ambiguous user business cases—ones that require deep investigation, custom risk analysis, and creative problem-solving at the intersection of user experience, compliance, financial partner requirements, and Stripe's growth ambitions. WHAT YOU'LL DO As a Risk Operations Analyst on the Strategic Supportability Operations team, you will investigate and assess complex, gray-area user business cases that require deep risk judgment and tailored solutions. You will go beyond standard procedures to understand the full risk profile of users, develop custom recommendations, and collaborate across internal teams to drive cohesive, well-reasoned decisions. You will also play a key role in identifying patterns across individual cases to improve our processes, policies, and detection systems at scale—bridging tactical casework with strategic, systemic impact across Risk Operations. RESPONSIBILITIES • Investigate complex, high-risk, and gray-area user business cases, applying deep risk knowledge to make sound, non-binary judgments. • Navigate ambiguity confidently—develop custom, evidence-based solutions where standard frameworks do not fully apply. • Identify and escalate systemic trends across cases, proposing scalable solutions to cross-functional stakeholders. • Collaborate across Risk Operations, User Support, Risk Partnerships, Legal, Compliance, and Product to develop holistic risk mitigation strategies. • Engage directly with users—in both positive and sensitive conversations—always maintaining a Users First mindset while balancing regulatory and financial partner requirements. • Communicate complex risk findings clearly to internal partners, financial partners, and Stripe leadership. • Contribute to the design and continuous improvement of SSO processes, decision frameworks, and tooling. • Build and maintain documentation, procedures, and playbooks to support team scalability and knowledge management. • Identify gaps in current systems, policies, and strategies, and recommend enhancements through a collaborative approach with stakeholders. 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 experience in risk management, compliance, fraud, financial operations, or a closely related field in a fast-moving environment. • Demonstrated ability to navigate gray-area and non-binary decision-making in complex risk environments. • Strong critical thinking and problem-solving skills, with the ability to synthesize multiple data sources into a coherent risk narrative. • Experience collaborating cross-functionally on complex problems and driving alignment across teams with competing priorities. • Ability to engage directly with users—including in difficult or sensitive conversations—with empathy, clarity, and professionalism. • Strong written and verbal communication skills, with the ability to articulate complex risk findings to varied audiences. • Comfort with ambiguity and fast-paced, constantly evolving environments. • Track record of identifying systemic problems from individual case patterns and driving process improvements. • Deep empathy for entrepreneurs and businesses, and genuine motivation to solve problems that empower them. • The ability and desire to challenge the status quo as a creative thinker who considers problems from a user perspective while being pragmatic and solutions-oriented. PREFERRED QUALIFICATIONS • Familiarity with compliance or financial partnership relationship management. • Experience with risk assessment and mitigation strategies in a fintech or payments environment. • Working knowledge of data analysis and AI tools to quantify risk and inform decisions. • Background in regulatory compliance within financial services. • Experience developing scalable operational frameworks or playbooks in ambiguous, high-stakes environments. • Knowledge of payment processing systems and associated risks.