Risk Operations Analyst, EMEA

Who we areAbout StripeStripe 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 TeamRisk Operations is responsible for managing the risk relationships spanning across global payment method, card, and financial partners. It is our mission to build operational controls to mitigate user and partner risk and enable strategic development opportunities.What you’ll doAs 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.ResponsibilitiesDemonstrate sound judgment and an ability to navigate non-binary, high-risk decisionsEvaluate merchants, from successful venture-backed startups to well established institutions, by assessing suitability to process on StripeAdhere closely to process while still constantly questioning assumptions, suggesting improvements, and balancing user experience with compliance requirementsEffectively and clearly communicate with other Stripes, Stripe's users, and Stripe's financial partnersIdentify trends and further report these to cross functional teams to enhance detection systemsContribute to projects to enhance and optimize due diligence strategy systems and toolsHelp build and scale processes across the risk operations eco-systemIdentify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks through a collaborative approach with stakeholdersWho you areWe'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 RequirementsAt least 5+ years of experience in risk management, compliance, or financial operationsStrong analytical and problem-solving skillsExcellent communication skills, both written and verbalExpertise in program managementProven track record in managing compliance related programsAbility to work independently and collaboratively in a fast-paced environmentDemonstrated ability to manage multiple priorities and meet deadlinesStrong attention to detail and accuracyDeep empathy for entrepreneurs running a business, and are motivated to solve problems to empower themThe ability and desire to challenge the status quoCan analyze feedback patterns and use these insights to drive process and product improvementsYou like ownership, being accountable, and driving towards ambitious goalsPreferred QualificationsExperience conducting merchant risk assessments, transaction monitoring, and implementing risk-based compliance controlsExperience driving operational outcomes and managing large-scale operations through vendor partnerships, third-party integrations, and automated solutions to achieve efficiency and scalability in compliance processesExperience in TPA/marketplace compliance oversight, KYB processes including business verification and beneficial ownership identification, and ongoing due diligence proceduresAdvanced proficiency in data analysis tools such as SQLFamiliarity with risk management related concepts like card brand monitoring, compliance, or KYB/KYC requirementsExperience in financial partnership relationship managementBackground in regulatory compliance within the financial services industryProven track record of managing operational metrics and driving process improvementsExperience with risk assessment and mitigation strategies in a financial technology environmentKnowledge of payment processing systems and associated risksIn-office expectationsOffice-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in our Bucharest, Romania site have an 80% in-office expectation, and those in Stripe Delivery Center roles in Mexico City, Mexico and Bengaluru, India work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible.Pay and benefitsThe annual salary range for this role in the primary location is €60,300 - €90,500. This range may change if you are hired in another location. For sales roles, the range provided is the role’s On Target Earnings (“OTE”) range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and specific location. Applicants interested in this role and who are not located in the primary location may request the annual salary range for their location during the interview process.Specific benefits and details about what compensation is included in the salary range listed above will vary depending on the applicant’s location and can be discussed in more detail during the interview process. Benefits/additional compensation for this role may include: equity, company bonus or sales commissions/bonuses; retirement plans; health benefits; and wellness stipends.