## 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 Financial Crimes Compliance Risk Oversight (FinCRO) team is looking for a U.S. Regulatory Compliance Lead for our Banking-as-a-Service (BaaS) business. You’ll own second-line oversight of Stripe’s U.S. BaaS products and bank-fintech partnerships. The work is practical and cross-functional: turn federal and state requirements and supervisory expectations into clear policies, controls, monitoring, evidence, and ownership.

## What you’ll do

This role is focused on U.S. BaaS regulation. You’ll work across sponsor-bank and fintech responsibility mapping; BSA/AML and sanctions; consumer protection and fair lending; deposits and FDIC insurance representations; privacy, cybersecurity, incident response, and third-party risk; complaints and disputes; payment network and ACH rules; state money transmission and lending requirements; and regulatory exams, remediation, and change management.

### Responsibilities

* Own the second-line compliance framework for Stripe’s U.S. BaaS products (i.e., Capital, Issuing, and Treasury) and bank-fintech partnerships. Make sure responsibilities are clear across Stripe, sponsor banks, program managers, processors, and other partners.
* Turn U.S. federal and state laws, guidance, enforcement actions, and supervisory expectations into practical policies, product requirements, controls, procedures, evidence standards, and monitoring.
* Set and oversee controls for BSA/AML, customer identification and verification, customer due diligence and beneficial ownership, transaction monitoring, suspicious activity escalation, sanctions screening, and recordkeeping.
* Oversee consumer and lending compliance for BaaS products, including UDAAP; Regulations E, Z, B, and DD; fair lending; FCRA; SCRA; FDCPA; complaints and disputes; adverse action; collections; marketing and disclosures; fees; account restrictions; and account closures.
* Oversee deposit-product compliance, including FDIC insurance representations, Reg CC, pass-through insurance requirements, pooled or custodial structures, customer-level records, ledger integrity, reconciliation, and access to funds.
* Define compliance expectations for privacy, cybersecurity, incident escalation, operational resilience, business continuity, data access, record retention, and an orderly wind-down of BaaS programs.
* Provide second-line oversight on behalf of sponsor banks and other BaaS partners through risk assessments, due diligence, contract requirements, control testing, performance and complaint monitoring, issue management, and exit planning.
* Review new U.S. BaaS products and material changes. Identify applicable obligations, control gaps, licensing implications, and launch conditions, then drive remediation to closure with clear owners.
* Keep pace with U.S. BaaS regulatory developments and enforcement trends, assess what they mean for Stripe, and coordinate timely changes with first-line teams.
* Help Stripe prepare for and respond to U.S. regulatory exams, supervisory engagements, audits, and formal commitments. Maintain defensible obligation mappings and evidence, identify gaps, and oversee remediation.
* Work closely with Product, Legal, Risk, Engineering, Operations, Internal Audit, sponsor-bank teams, and other specialists. Clarify ownership, challenge control design and execution, and give leaders a clear view of risk and progress.

## 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. 

### Minimum requirements

* At least 7 years of experience in U.S. banking, fintech, or financial-services compliance, including substantial work with BaaS, bank-fintech partnerships, embedded finance, or deposit, card, payment, or lending products.
* A deep understanding of the U.S. regulatory framework for BaaS and how responsibilities are divided among sponsor banks, fintechs, program managers, processors, and other service providers.
* Hands-on expertise across several relevant areas, such as BSA/AML and sanctions, consumer financial protection, fair lending, deposit and FDIC insurance requirements, third-party risk, complaints and disputes, privacy and cybersecurity, ACH or card programs, and state money transmission or lending requirements.
* A track record of turning complex U.S. legal and regulatory requirements into practical policies, product requirements, controls, procedures, monitoring, testing, and evidence.
* Experience with the full compliance control lifecycle: assessing risk and obligations, designing and implementing controls, documenting decisions, testing or monitoring, managing issues, overseeing remediation, and reporting to governance forums.
* Experience reviewing new products and material changes, as well as supporting regulatory change, licensing analysis, exams, audits, enforcement remediation, or commitments to regulators and Boards.
* Sound judgment, especially when ownership, regulatory precedent, or operating boundaries are not clear. You know how to separate second-line oversight from first-line execution and still move the work forward.
* The ability to influence and coordinate across Compliance, Legal, Product, Engineering, Risk, Operations, Internal Audit, sponsor banks, and senior stakeholders without relying on formal authority.
* Clear, concise writing and strong documentation skills. You can explain complex BaaS requirements and control decisions to technical, business, governance, partner-bank, and regulatory audiences.



U.S. Banking Regulatory Compliance Lead