Financial Crimes Analyst, Crypto Investigations

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

The Financial Crimes team plays a critical role in ensuring a healthy financial ecosystem and maintaining trust in Stripe's platform. We ensure that prohibited parties cannot utilize our services and identify bad actors engaging in money laundering, terrorist financing, or other financial crimes. As Stripe’s user base and global footprint grows dramatically, this team is essential for mitigating risk and upholding regulatory compliance, directly contributing to Stripe's mission of increasing the GDP of the internet safely and responsibly.  

What you’ll do

As a Financial Crimes 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.

Responsibilities

• Demonstrate sound judgment and an ability to navigate non-binary, high-risk decisions.
• 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 and assess financial crime risks, conduct reviews using data analysis, and monitor for suspicious activity and trends.
• Facilitate the re-design of business processes including clarifying, identifying issues, and facilitating changes to attain the highest levels of efficiency, control, and compliance.
• Help build and scale processes across the financial crimes 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.

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

• 4+ years of experience in risk management, compliance, or financial operations.
• 1+ years of experience in cryptocurrency investigations.
• Understanding of FinCrime red flags, its typologies, and how they can be identified.
• Experience in developing/implementing process improvements.
• Analytical and demonstrates reasoned logic to decision making and judgements, considers external/internal factors and is able to recommend solutions in complex situations.
• Effective communication skills with the ability to produce clear, precise and concise written and presentation materials.
• Ability to analyze feedback patterns and use these insights to drive process and product improvements.
• 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.

Preferred qualifications

• Data analysis tools such as SQL
• Experience in transaction monitoring or financial investigations, Sanctions, AML/EDD/KYC/KYB
• Knowledge of payment processing systems and associated risks