Risk Operations Analyst

Summary

Join Stripe's Partner Risk Operations (PRO) team as a Risk Operations Analyst and ensure alignment between policies, operations, and workflows with financial partner needs. You will be responsible for workflows impacting internal and external stakeholders, identifying and assessing regulatory, contractual, and partner risks. The role involves advising operational teams on scalable processes, ensuring compliance with service level agreements, and mitigating risks. You will evaluate merchants, communicate effectively with various stakeholders, identify trends, and contribute to projects enhancing due diligence strategies. This position requires strong analytical and problem-solving skills, excellent communication, and experience in risk management, compliance, or financial operations. The ideal candidate will have a deep understanding of payment compliance and security, third-party risk, and policy development.

Requirements

• At least 5+ years of experience in risk management, compliance, or financial operations
• Strong analytical and problem-solving skills
• Excellent communication skills, both written and verbal
• Ability to work independently and collaboratively in a fast-paced environment
• Deep empathy for entrepreneurs running a business, and are motivated to solve problems to empower them
• Can analyze feedback patterns and use these insights to drive process and product improvements
• Payment Compliance & Security: Experience with PCI-DSS implementation, MCC classification and monitoring, and card brand compliance programs
• Third-Party Risk & KYB: Experience with in TPA/marketplace compliance oversight, KYB processes including business verification and beneficial ownership identification, and ongoing due diligence procedures
• 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

Responsibilities

• Demonstrate sound judgment and an ability to navigate non-binary, high-risk decisions
• Evaluate merchants, from successful venture-backed startups to well established institutions, by assessing suitability to process on Stripe
• 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 trends and further report these to cross functional teams to enhance detection systems
• Contribute to projects to enhance and optimize due diligence strategy systems and tools
• Help build and scale processes across the risk 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

Preferred Qualifications

Data analysis tools such as SQL