User Risk Strategist, Ecosystem Risk Strategy

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 Fraud Strategy is responsible for building scaled fraud mitigation systems that prevent fraud and protect the financial ecosystem, while minimizing disruption to good users. The fraud team’s mission is to protect Stripe, our users, and the broader financial ecosystem from actors who abuse Stripe accounts for financial gain. What you’ll do As a Fraud Strategist, you will be responsible for building strategies to mitigate fraud (buyer fraud, seller fraud and account fraud) on new and existing Stripe products. You will enable safer money movement for our users and help Stripe manage fraud risks intelligently. The stakes are high, and you will be up against ever-evolving challenges. You will face some of the most complex and dynamic problems at the company, and the nature of your work will evolve rapidly to combat new and more sophisticated challenges to Stripe's integrity in the financial ecosystem.  You'll partner closely with Product, Engineering, Data Science, Operations and other Risk Strategy functions to ensure fraud controls are embedded in every Stripe product. Beyond protecting against fraud risk, you'll drive innovation in how Stripe approaches fraud management— staying ahead of emerging fraud trends and pushing the boundaries of what effective, scalable fraud risk management looks like at a global payments company. Responsibilities  * Monitor portfolio to identify, mitigate and predict risky behavior that could result in losses for Stripe, our users, and the financial ecosystem * Collaborate with internal partners like Product, Engineering, Data Science, Risk Partnerships, and Operations, to tailor fraud risk management techniques to various products and payment methods across the globe * Continually evaluate products for gaps and propose risk controls to enhance the product while enabling growth * Scale risk processes to cover a large and complex landscape of fraud risks. Effectively design, outsource and automate manual/repetitive workflows * Work with Stripe users to educate them and guide them on how to prevent potential fraud risks to their business * Effectively and clearly communicate with other Stripes, Stripe's users, and Stripe's financial and regulatory partners 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 relevant experience, preferably in Financial Services, Payments or FinTech *   Curiosity and passion for risk management - you dig into anomalies and solve root causes *   Decisiveness and openness to learning, with comfort making high-impact calls daily *   Data-driven judgment - skilled at using quantitative analysis to drive and defend decisions *   Empathy for early-stage businesses and the ability to balance enforcement with user experience *   Strong analytical skills, including the ability to frame complex tradeoffs through data and visualization *   Advanced SQL skills with hands-on experience in business environments *   Proven ability to collaborate and execute cross-functionally with Engineering, Product, Data Science, and Operations *   Excellent written and verbal communication skills, with the ability to convey complex ideas clearly across teams *   Holistic thinking and the ability to build scaled processes that bridge systemic gaps *   Track record of deriving actionable insights from complex problem spaces and influencing product direction *   Ownership mentality and the ability to lead without formal authority *   Proficient with AI tools to accelerate productivity and process automation Preferred qualifications * Expertise with quantitative tools such as Python, R, etc * Experience with payments, risk, or trust & safety * Experience working with machine learning teams * Experience working in fast-paced and rapidly changing start-up environments

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.

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 Fraud Strategy is responsible for building scaled fraud mitigation systems that prevent fraud and protect the financial ecosystem, while minimizing disruption to good users. The fraud team’s mission is to protect Stripe, our users, and the broader financial ecosystem from actors who abuse Stripe accounts for financial gain. What you’ll do As a Manager on the Fraud Strategy team, you will lead a team of high performing and tenured fraud strategists responsible for safeguarding Stripe’s rapidly expanding portfolio of money movement and money management capabilities from fraud. You will lead the team to create short, medium and long term strategies that prevent fraud while enabling growth on rapidly expanding Stripe products like Treasury, Issuing, Capital, Crypto and Stablecoins.   Responsibilities  * Lead a Specialized Team: Coach and mentor a world-class team of fraud strategists. You'll be responsible for their professional growth and for fostering a culture of rigorous, data-driven fraud system development. * Own the E2E Fraud Prevention Lifecycle: Oversee the team's execution across all critical decision points—from new user onboarding, through offboarding and funds recovery * Strategic Stakeholder Partnership: Act as a key partner to Product, Engineering, Data Science, and Operations. You will navigate complex cross functional fraud prevention system development and tuning, ensuring our risk appetite aligns with both internal goals and external partner requirements. * Systems Thinking: Deeply understand our performance metrics including loss trends and leading indicators. Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential fraud losses. Understand our fraud controls and strategies to identify opportunities for improvement. Work closely with our core risk team to mitigate potential risks with specific users. * Executive Communication: Effectively and clearly communicate with internal leadership teams across Stripe, and effectively communicate with external leadership teams across Stripe's users, and Stripe's financial and regulatory partners. * Thought Leadership: Drive innovative fraud strategies that scale across Stripe’s wide range of products. Embrace AI technologies to accelerate execution and improve fraud prevention 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 relevant experience, preferably in Financial Services, Payments or FinTech. * A coach and mentor dedicated to nurturing talent and helping team members perform at their best * Experience recruiting, developing, and managing diverse and high-performing teams. * Strong collaboration, communication, and relationship-building skills, with an ability to influence stakeholders across organizations and functions. * Excellent communicator (verbal and written) who is able to convey complex ideas succinctly in high stakes situations both internally with Stripe leadership teams and externally with users, financial partners and regulators. * Decisive, yet open to learning — you will make many critical decisions every day, even with the knowledge that you will be wrong some of the time. * Proven ability to collaborate and execute scaled and high complexity projects cross-functionally with both technical and non technical teams. * 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. Preferred qualifications * Strong data visualization skills and a willingness to use data and AI tools to analyze and make decisions.  * Experience in a high-growth technology company managing risk at scale. * Experience working in tech, or in another fast-paced, high-growth environment. * Experience in building scaled systems to prevent bank account fraud, issuing fraud and/or crypto/stablecoin fraud. * Expertise with quantitative tools such as Python, R, etc.