Chief Risk Officer, Stripe Technology Europe Limited

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 is seeking an experienced and strategic Chief Risk Officer (CRO) for Stripe Technology Europe Limited (STEL), our Irish regulated entity. This role reports to the Chief Risk & Compliance Officer, EMEA, sits within the Financial Crime, Compliance & Risk Oversight (FinCRO) organization, and directly manages the STEL Chief Compliance Officer (CCO) and Money Laundering Reporting Officer (MLRO).

You will lead STEL’s enterprise risk management function and provide senior leadership across its risk, regulatory compliance, and financial crime oversight functions. You will play a critical role in enabling Stripe’s continued safe growth, ensuring that STEL’s risk management framework, governance, and oversight evolve alongside its business and regulatory obligations.

As CRO, you will provide independent, constructive challenge to the business and clear, actionable advice to STEL’s executive management, Risk Committee, and Board. You will build strong relationships with the Central Bank of Ireland and internal stakeholders, bringing an entity-level perspective to a global, technology-led organization.

The ideal candidate will combine deep enterprise risk management expertise with strong regulatory judgment, experience leading senior control-function professionals, and a proven ability to build practical, scalable risk and compliance programs in a regulated financial services or payments environment.

Responsibilities

• Strategic Leadership: Develop and execute STEL’s risk management strategy, aligned with its business strategy, Board-approved risk appetite, and global FinCRO objectives. Promote a culture of informed risk-taking, clear accountability, and timely escalation as Stripe expands its products and services.
• Enterprise Risk Management: Own and enhance STEL’s Risk Management Framework and oversee its implementation and effectiveness. Lead the processes for identifying, assessing, monitoring, challenging, and reporting material and emerging risks. Maintain a comprehensive entity-level risk profile, supported by risk assessments, a risk register, and meaningful management information.
• Risk Appetite and Governance: Lead the development and ongoing review of STEL’s Risk Appetite Framework and Statement for consideration by the Risk Committee and approval by the Board. Challenge proposed risk limits and thresholds, monitor performance against appetite, and ensure breaches are promptly assessed, escalated, and addressed. Provide clear recommendations on material risk decisions and proposed changes to STEL’s risk profile.
• Team Management: Lead, mentor, and develop STEL’s compliance leadership team, including direct management of the STEL CCO and MLRO. Set clear priorities, ensure appropriate resources and expertise, and foster collaboration across risk, regulatory compliance, and financial crime oversight.
• Regulatory Compliance and Financial Crime Oversight: Through leadership of the STEL CCO and MLRO, oversee the effectiveness of STEL’s regulatory compliance and financial crime programs. Ensure material compliance, AML/CFT, sanctions, and other financial crime risks are reflected in STEL’s enterprise risk assessments, governance, and reporting. Support the CCO and MLRO in delivering their mandates and escalating significant issues.
• Board and Executive Reporting: Provide comprehensive, timely, and actionable reporting to STEL’s executive management, Risk Committee, and Board on the entity’s risk profile, control effectiveness, emerging risks, and remediation priorities. Maintain direct access to the Risk Committee and Board, exercising independent judgment and escalating material concerns where necessary.
• Regulatory Engagement: Serve as a senior point of contact with the Central Bank of Ireland on risk management and governance matters, working closely with the STEL CCO and MLRO on their respective supervisory relationships. Lead risk-related supervisory engagements and contribute to regulatory submissions, examinations, and remediation programs. Ensure commitments are supported by clear ownership, credible delivery plans, and evidence of effective implementation.
• Operational Resilience, Outsourcing, and Shared Services: Provide second-line oversight and challenge of STEL’s operational resilience, technology and information security risks, and third-party and intragroup outsourcing arrangements. Ensure reliance on global infrastructure and shared services is supported by effective local oversight, appropriate reporting, and clear accountability.
• Business and Product Advisory: Partner with business, product, engineering, operations, finance, and legal teams to assess the risks associated with new products, market expansion, material business changes, and strategic initiatives. Ensure risk considerations inform decisions early and that proposed activities remain consistent with STEL’s regulatory obligations and risk appetite.
• Control Effectiveness and Remediation: Oversee risk-based monitoring and testing, working with the CCO, MLRO, and specialist teams to assess whether controls are appropriately designed and operating effectively. Challenge the adequacy and timely completion of remediation arising from incidents, risk assessments, testing, audits, and regulatory findings, while maintaining clear first-line ownership of operational risks and controls.
• Global Partnership and Continuous Improvement: Work with regional and global risk, compliance, and financial crime leaders to ensure group frameworks and services meet STEL’s needs and local requirements. Use data, automation, and technology to improve risk insight, strengthen oversight, and build efficient, scalable programs.

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

• 12+ years of relevant experience in enterprise risk management, regulatory compliance, or related control functions within regulated financial services, fintech, or payments, including substantial enterprise risk experience and senior leadership responsibility. Previous experience as a CRO or equivalent senior regulated control-function holder in Ireland.
• Demonstrated experience managing senior risk and compliance professionals, ideally including regulated control-function heads. Ability to develop talent, set clear accountability, and lead through organizational and regulatory change.
• Deep knowledge of enterprise risk management frameworks, risk appetite, risk assessment, governance, control effectiveness, and Board reporting. Experience overseeing a broad risk universe, including operational, technology, third-party, financial, strategic, and compliance risks.
• Strong understanding of the Irish and EU regulatory environment applicable to payments and electronic money institutions, including governance, operational resilience, outsourcing, safeguarding, and financial crime requirements. Ability to distinguish entity-level obligations from group-wide frameworks and translate requirements into effective oversight.
• Demonstrated experience engaging directly with financial regulators, preferably the Central Bank of Ireland, and leading supervisory reviews, examinations, or material remediation programs.
• Ability to provide credible challenge to senior stakeholders, make sound risk judgments under uncertainty, and escalate difficult issues with clarity and conviction.
• Exceptional written and verbal communication skills, with experience presenting complex risk matters to Boards and executive committees and engaging effectively with technical and non-technical audiences.
• A practical, data-driven approach to building effective risk programs. Comfort operating in a fast-moving, global, matrixed organization and balancing strategic leadership with hands-on delivery.
• Ability to meet the Central Bank of Ireland’s Fitness and Probity Standards for the PCF-14 Chief Risk Officer role. Appointment is subject to prior written approval by the Central Bank of Ireland, and the successful candidate must continue to meet applicable Fitness and Probity requirements.